I suggest an attractive alternative is to foster a collegiate advice response, with each entity (accounting, financial, estate planning etc) still remaining independent, without an added corporate overhead to support, and strictly client focused. This could be achieved by 'collegiate' entities agreeing to empower and prepare all clients through personal longevity planning (where time is the bottom line). Each entity is then working as part of a team for the client, with a genuinely holistic outcome underpinned by each person's (and their partner's) longevity plan. With excellent communications now available, increased aggregation can be less attractive and more prone to dis-empower advisers and clients.