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Unpredictable climactic events have been occurring with increasing frequency as well as intensity and it's no longer just animals or insects or forests getting decimated. This time it's personal. The change is literally at our doorsteps in the form of wildfires, record high temperatures, flash floods, droughts.

What used to be something we thought was a hundred years away is now being measured in decades. In our lifetime. And so, weirdly and very unfortunately, it has suddenly become critical to factor in climate change when laying out your retirement plan. How should we begin?