Why is physical capacity important for financial planning?

Physical capacity is the ultimate constraint on an investment horizon. By focusing on longevity and health-span, investors can ensure they have the physical ability to enjoy and manage their wealth through retirement and beyond.

How does health-span impact wealth preservation?

Health-span is the period of life spent in good health. Extending health-span through strength training and metabolic health reduces long-term healthcare liabilities and allows for a more aggressive and fulfilling wealth-giving strategy.

Physical Capacity

RetirementHealth SpanInterviews

Jan 11

Written By John Cervantes, CFA

Retire. Spend. Give has become my mantra. Do it with who you love, and do it when you are most physically capable of enjoying it. But how do we extend our physical capacity, how do we ensure we are aging not only with grace, but with a bit of rage.

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So, I had a conversation with the man himself, Jeremy Tucker, the owner of Elite Strength & Conditioning, in San Antonio, TX. Not only is he one of the fittest 50 year old men in the world (33rd to be exact), his gym has an astounding amount of extremely fit 50, 60, and 70+ year old men and women. There are several that I have a hard time keeping up with. It’s a long conversation, but it’s timestamped so you can scroll to what you may find most relevant.

My very unscientific approach revolves around improving my physical fitness. The more capable I am, and the more my diet revolves around improving that physical capacity, the less I concern myself about “longevity.” In my opinion, improved physical capacity will drive longevity.

Dr. Gabrielle Lyon touts the quality and health of our muscle mass: “Muscle is the organ of longevity®. As we age, our quality of life depends on our muscle health.”

Find what works for you and do it across generations if you can.

I ran a half marathon in the inaugural San Antonio Marathon this past December with the old man. What an experience.

I train Jiu Jitsu with the kids.

I run with my wife. (She races, I run. lol)

And every once in a while, we chow. Have some fun!

John Cervantes, CFA

John Cervantes is a Partner and Senior Investment Advisor at Crossvault Capital Management, LLC, where he leverages over 17 years of experience advising and managing investment portfolios for families of high and ultra-high networth.

Before joining Crossvault Capital Management, John served as a Senior Investment Advisor at Texas Capital Bank, where he was also a voting member of the bank’s Investment Strategy Committee. Prior, he held the position of Senior Investment Manager at Merrill Lynch, managing $1.25 billion in client assets for one of the largest wealth management practices in the country. In this role, John managed a suite of investment strategies, focusing on U.S. Value Equity and Global Asset Allocation. He also developed the team’s Private Equity processes, including fund selection and client allocations.

John began his career at JPMorgan Chase before transitioning to USAA. He holds the Chartered Financial Analyst® designation and earned his BBA in Finance from the University of Texas at San Antonio.

John resides in San Antonio, Texas with his wife, Kaycee, and their two children, Edee and John Kelly.

https://www.crossvault.com/

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