SAN DIEGO — More than once during Monday’s last general session of the day at the NAPA 401(k) conference, it was tough to tell whether Stanford University professor Laura Carstensen’s presentation was a celebration or a cautionary tale.

“We’re on the cusp of an era our grandparents couldn’t even have dreamed of,” Carstensen said, her even tone belying her own sense of awe. “The majority of babies born since the year 2000 will live until the age of 100 — and beyond.”

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