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Joan Ruff

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  1. Milken Institute57 min

    The Upside of Aging: Turning Headwinds into Tailwinds

    Paul Irving, Alan Brannigan, Andrew Byrne, Doris Ho, Joan Ruff

    This panel convened to address the critical intersection of global demographic shifts, specifically the rapid aging of Asia and the resulting $20 trillion longevity market, which remains significantly underserved by current business and policy frameworks. Speakers including Andrew Byrne of AXA and Joan Lubick of AARP outlined strategies to leverage cross-border labor mobility and intergenerational workforce productivity while urging corporate boards to adopt formal longevity strategies. The discussion highlighted the urgent need to modernize outdated health technology standards and restructure pension systems to accommodate the growing dependency ratio, framing the failure to plan for aging as a significant corporate and societal risk.

  2. Milken Institute59 min

    Return on Longevity: Capitalizing on the Demographic Shift

    Jim Mellon, Chip Conley, Joseph Coughlin, Joan Ruff, Andrew Scott, Joe Coughlin

    Experts including Andrew Scott, Chip Conley, and Joe Coughlin argue that advancing technologies and shifting demographics will soon extend average life expectancy to 110 years, rendering the traditional three-stage life obsolete and forcing a restructuring of pension systems and corporate culture. To adapt, the economy must embrace a multi-stage life model where older adults contribute a "productivity dividend" through wisdom and emotional intelligence, while consumer markets pivot toward exciting, non-stigmatizing products that support continuous education and travel. This fundamental social transition requires eliminating age-based labels and designing financial and healthcare frameworks that accommodate the risks of living from age 50 to 100 without assuming a fixed retirement age.