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2025 Beyond Wealth Report for Wealthy Americans Summary

Core Content

The 2025 Beyond Wealth Report for Wealthy Americans highlights the financial behaviors, attitudes, and priorities of wealthy Americans with $500,000 or more in investable assets. The report includes insights on wealth building, retirement planning, and legacy transfer, with a focus on how economic uncertainties are influencing financial decisions. It also underscores the role of financial advisors in helping individuals navigate complex financial landscapes.

Main Findings

Financial Stress and Resilience

• Financial stress is common: Over half of wealthy Americans report feeling "somewhat" or "very" stressed about their finances, with inflation, market volatility, and changes in government policies as the top stressors.
• Resilience through adjustment: Despite stress, wealthy Americans are adapting by cutting back on luxuries, increasing retirement savings, and investing more. This suggests a proactive response to economic challenges.
• Stress can lead to positive change: Financial stress is often a catalyst for more disciplined financial behavior, such as better planning and increased savings.

Retirement Trends

• Retirement ages are increasing: The average age to fully retire has risen from 64 to 65, with non-retired wealthy Americans expecting to retire at 66 on average.
• Retirement savings remain flat: Despite the shift in retirement expectations, the average retirement savings for wealthy Americans remains at $1.6 million.
• UHNW Americans retire even later: UHNW Americans (those with $10 million or more) expect to retire fully at 69, which is significantly later than the average of 65 for the broader group.
• Retired wealthy Americans wish they had saved more: Many retired individuals regret not saving sooner or more, and emphasize the importance of long-term care insurance and retirement income planning.

Wealth Transfer and Legacy Planning

• Formal legacy planning is lacking: While most wealthy Americans feel prepared to transfer wealth, one-third lack a will or life insurance plan, and half lack an estate plan.
• Informal plans may not be sufficient: The absence of formal documents may indicate a gap in structured wealth transfer strategies, even if there are informal intentions.

Financial Advisors

• High reliance on financial advisors: Three in four wealthy Americans and nine in 10 UHNW Americans work with a financial advisor.
• Benefits of advisor engagement: Advisors are valued for their financial expertise, and their guidance leads to greater confidence, reduced stress, and better financial outcomes.
• Advisors are sought for complexity management: Many wealthy Americans turn to advisors when their financial situation becomes too complex or when they pass a specific net worth threshold.

Key Insights

Wealth Building and Investment Diversity

• Investments and work income are primary wealth sources: Stocks, mutual funds, and ETFs are the most common investment products, followed by real estate. Private equity and cryptocurrencies are also increasingly owned, especially by Millennials.
• Diversification of income sources: Many wealthy Americans are relying on multiple income streams, including business ownership, equity compensation, and inheritance.
• Age influences investment preferences: Millennials are more likely to own private equity and cryptocurrencies, while Boomers prefer CDs and MMAs.

Financial Priorities by Wealth Group

• Affluent Americans ($500K–$999K): Focus on growing wealth and saving for retirement.
• HNW Americans ($1M–$9.99M): Prioritize wealth growth and retirement savings, with some also focusing on reducing tax liabilities.
• UHNW Americans ($10M+): Shift focus to reducing tax liabilities and preserving wealth, with less emphasis on further wealth growth.

Generational Differences

• Millennials (29–44): More likely to own business assets and private investments, with a higher percentage (58%) owning private equity and 56% owning cryptocurrencies.
• Gen X (45–60): Focus on income from work and investments, with a lower percentage owning business assets.
• Boomers (61–79): Prefer traditional investments like CDs and MMAs, and are more likely to have formal financial plans.

Regional Variations

• Northeast: Most wealthy Americans cite income from working and investments as primary sources.
• Midwest: Similar to the Northeast, with a focus on income and investments.
• South: Investments are the most common source of wealth.
• West: Investments and income from working are the main sources, with a slightly higher percentage of UHNW Americans.

Conclusion

The report emphasizes that while wealthy Americans are facing increasing financial stress due to macroeconomic factors, they are also demonstrating resilience by adjusting their financial habits. Retirement expectations are rising, but savings remain unchanged, highlighting the need for better financial planning. Financial advisors play a crucial role in providing guidance and reducing stress, and their importance is growing as wealth becomes more complex. The data also shows that while many are prepared to pass on wealth, formal legacy planning is still lacking, particularly among UHNW individuals.