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Understand the changing wants and needs of the new "cyclic" consumer and employee


Maddy Dychtwald

travels from USA

Co-founder of Age Wave, business advisor and thought leader on how population aging and increasing longevity

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About Maddy

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Drawing from more than fifteen years of research and analysis, our keynote speaker Maddy Dychtwald combines her engaging delivery with humor, anecdotes, examples and illustrative multi-media. She helps business executives, managers, sales groups and recognition groups understand the changing wants and needs of the new "cyclic" consumer and employee.

Speaker Maddy Dychtwald is an internationally recognized author, entrepreneur, business advisor and thought leader on how population aging, increasing longevity, and the ascent of women’s power are transforming the marketplace, the workplace, and our lives. Since co-founding Age Wave more than 30 years ago, more than half of the Fortune 500 have been clients – in industries ranging from pharmaceuticals and medical technology to automotive design and retail merchandising.

She has led numerous studies on the subject of women, power and finances, including “The Allianz Women, Money, and Power Study” and “A New Era of Women and Financial Planning” for LPL. She is currently leading a new initiative on “Women, Longevity and Money” for Bank of America Merrill Lynch.

Maddy is the author of Influence: How Women’s Soaring Economic Power Will Transform Our World for the Better; Cycles: How We Will Live, Work, and Buy, and co-author of an illustrated children’s book on personal reinvention, Gideon’s Dream: A Tale of New Beginnings. Her books have been translated into five foreign languages and continue to make an impact worldwide. A highly sought-after speaker, Maddy has addressed more than 300,000 business and social service leaders worldwide, and organizations including the American Society on Aging, Allstate Insurance, Blue Cross/Blue Shield, Chevron, Direct Marketing Association, Fidelity Investments, Lincoln Financial, National Association of Educators, the Network of Executive Women, and The World Future Society.

She is regularly featured in prominent national media, including Bloomberg Businessweek, Forbes, Newsweek, Time, U.S. News & World Report, Fox Business News, CNBC, and NPR. She is an ongoing contributor to the Wall Street Journal’s Retirement Expert Panel where she had the top wealth-management expert post for 2017 based on reader traffic. She also regularly contributes to The Huffington Post, thirdage.com, and caring.com.

Together with her husband Dr. Ken Dychtwald, Maddy recently received the prestigious Esalen Prize for outstanding contributions to advancing the human potential of aging men and women worldwide. Maddy is also a founder of the nonprofit organization Women Against Alzheimer’s and serves as a board member of the BrightFocus Foundation, which funds early stage research to eradicate diseases of the brain and eye. She is also a founding member of the XPRIZE Alzheimer’s Braintrust gearing up to globally crowdsource innovation solutions to end Alzheimer’s disease.

Maddy is passionate not just about longevity as a demographic phenomenon, but living a long life with good health, vitality, and purpose. She is personally focused on fitness, eating well, and meditation – and traveling the world with her family.

See keynotes with Maddy Dychtwald

    Keynote by Speaker Maddy Dychtwald

    How the Age Wave Will Transform the Marketplace, the Workplace, and Our Lives

    • Increasing longevity, declining fertility, and aging baby boomers are triggering an enormous age wave. This demographic tsunami has the potential to create tremendous marketplace and work/talent opportunities—and equally pressing social and financial challenges.
    • This informative and entertaining presentation will explore: How will people use their newfound longevity? How will a cyclic lifeplan replace the traditional linear model? How will aging boomers change established paradigms of work, leisure, learning, and retirement? What’s the most effective way to market and sell to “middlescent” boomers? And why is managing a four-generation workforce the new diversity mandate?

    Keynote by Speaker Maddy Dychtwald

    Re-visioning Retirement: New Timing, New Purpose, New Planning, New Funding

    • The convergence of rising longevity, today’s uncertain economy, and widespread insufficient savings has reset the retirement clock. Yet highly acclaimed Age Wave research reveals that the new retirement could be a good thing—for individuals, the consumer marketplace, and financial-planning professionals.
    • Why has financial peace of mind become far more important than wealth? How will women’s rising financial power transform the field of retirement planning? How will the demands of eldercare, sibling care, grandparenthood, singlehood, and “rehirement” impact retirement planning? This presentation will explore these questions and reveal how to safeguard a successful retirement while avoiding the five retirement “wildcards” that threaten to shatter dreams.


    Keynote by Speaker Maddy Dychtwald

    Influence: A New Era of Women, Money, and Financial Planning

    • A critical mass of women—bolstered by education, unprecedented levels of workforce participation, and escalating income and wealth—are assuming increasingly powerful roles in financial management. The financial services industry must recalibrate in order to court this influential client base.
    • Drawing on insights from her landmark book, Influence: How Women’s Soaring Economic Power Will Change Our World for the Better, and decades of proprietary Age Wave research, Maddy answers questions such as: What are the core values/characteristics defining women investors? How will greater longevity catalyze women to plan more effectively for retirement? How do new family interdependencies impact women and their approach to money? How can financial service professionals most effectively communicate with women?


    Keynote by Speaker Maddy Dychtwald

    The Longevity Revolution: The Future of Health and Health Care

    • Whether we live our increasingly longer lives with vitality and purpose or with sickness and suffering will greatly depend on our ability to reshape the skills, services, and incentives of our current health care system.
    • This presentation provides a visionary glimpse into the future, outlining the critical course corrections required to support healthy aging and productive longevity. Topics covered include: preventing, delaying, and eliminating horrific diseases of aging (such as Alzheimer’s) with scientific breakthroughs, training health care professionals to become “aging-ready,” making disease prevention a national priority, shifting from hospitals and nursing facilities to home-based care with new technologies and emerging community services, and establishing a humane approach to end-of-life care.


    Keynote by Speaker Maddy Dychtwald

    Optimizing Generational Diversity: Four Cohorts Rethink Work, Money, Family, Retirement, and Success

    • For the first time in history, four generations of active adults are simultaneously participating in the workforce and marketplace. Each generation has its own lifestyle values, attitudes about work and money, means of connecting and communicating, role models, and marketplace preferences.
    • This high-impact presentation will examine the key social forces that have shaped each generation and produced their distinct, core lifetime characteristics. Proven generation-specific strategies for attracting and retaining valuable talent will be revealed, based on their specific career hopes, responses to styles of management, motivation drivers, and measures of success.

Interview with Maddy Dychtwald

What is the “age wave”?

At the heart of the age wave is the fact that people are living longer and better than at any other time in history. We are on the cusp of a longevity revolution that is dramatically altering who we are, how we live and work, how companies do business and who they target. It impacts each and every one of us personally as well as the communities and the industries that serve us.  Standard & Poor’s report, Global Aging, emphatically states that “no other force is likely to shape the future of national economic health, public finances and policy-making” more than the global aging of the population. The age wave definitely has arrived and is transforming us in ways we may never have imagined.

Are we really living that much longer?

Throughout most of human history, average life expectancy was under the age of 18.  At the beginning of the twentieth century, it had increased to about age 47. By the end of the twentieth century, life expectancy soared to, on average, age 78…and even higher in some countries. That means that each of us has already been given a longevity bonus of more than 30 years, in just a 100 year span of time. With impending breakthroughs in medicine and biotechnology, it seems likely that longevity may continue to rise. Some of the questions we might be asking include “how will I use this longevity bonus,” “does it make sense to retire at age 65,” “what products and services will long-lived adults really need?”

What does this mean for us?

It’s truly staggering to think about the implications of long life. We have designed our world to match the size and the shape of who we have been, and, until now, most of us have been young. So simple things like how we define “old” will be redefined; the typefaces in our adverts will need to be easier to read; doorknobs will be replaced by door levers for ease of use; the time it takes for a traffic light to change will need to be slowed; our cars will need to be ergonomically designed for the aging body and reflexes; clothing will need to be fashionable and functional for aging bodies; exercise equipment will need to be designed for the changing movement patterns of aging bodies; families will be multi-generational with inter-generational financial burdens; marriages could last more than 50 years or no longer be defined as “’til death do us part,” retirement will need to be reimagined and start at a later age; and health and healthcare will need to create a laser focus on the needs of older adults while each individual will need to take more personal responsibility for their own health and well-being.

To change directions slightly, I know your most recent book, Influence: How Women’s Soaring Economic Power will Transform Our World for the Better,” zeroed in on another demographic trend. What made you decide to focus on women?

I believe that women will be the biggest change agent of the next several decades. From the research I’ve been involved with, I’ve come to realize that we are at a unique moment in history, a kind of tipping point. Around the world from developing countries like Uganda to the economic powers like the European Union, Australia, and the United States, for the very first time in history, we are beginning to see a critical mass of women moving from economic dependency to economic emancipation. Just as an example, for the first time ever, we are now seeing almost as many women as men in the U.S. workforce. If current trends continue, the average woman could out-earn the average man by the year 2020.

What does this mean for men in the workplace?

The goal is not for women to succeed at the expense of men but for women to have the same opportunities to succeed as men. For example, according to recent McKinsey/Wall Street Journal research, women are primarily promoted based on performance while men are primarily promoted based on promise. Men are better at finding sponsors within their organization to, not only mentor them, but nurture their careers within the organization itself. Women must deliberately seek out sponsors to help move their careers forward.

Does women’s soaring economic power translate into the marketplace?

Absolutely. Women have always bought things. That’s nothing new. But now they are large purchasers of products that used to be primarily the domain of men: financial services, real estate, automobiles, and technology, to name a few. Conversely, as we see the dual income couple dominate, more men are doing the food shopping, caring for children, and purchasing household-related products. Reaching consumers in this new environment poses some exciting opportunities that savvy companies will respond to.

See keynotes with Maddy Dychtwald
Non-binding request for Maddy Dychtwald

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Keynote topics with Maddy Dychtwald