The headline finding from Northwestern Mutual’s 2025 Planning & Progress Study on Leaving a Legacy is the kind of result worth reading twice. The bottom line and biggest takeaway from this study is that…
Most retirees sitting on heavily appreciated stock face an uncomfortable choice: hold it and accept the concentration risk, or sell it and hand roughly a quarter of the gain to the IRS. A Charitable…
Nearly half of Americans are saving without a roadmap, and a recent Allianz study has put a sharp number on the cost to them. According to the study, 47% of Americans have no written…
Northwestern Mutual’s 2025 Planning & Progress Study turned up a number that should worry everyone who watches household balance sheets. 69% of millennials say an inheritance is critical or highly critical to their long-term…
The headline number from Northwestern Mutual’s 2025 Planning & Progress Study is one of those statistics that sorts the country into two groups before you finish reading it. One big takeaway is that 74%…
The headline number from Northwestern Mutual’s 2025 Planning & Progress Study, Wave 5 on Leaving a Legacy, is the kind of figure that quietly reframes how American families are thinking about money. Three in…
A new contradiction sits at the center of how Americans say they invest versus how they actually invest. The Charles Schwab Modern Wealth Survey 2025 found that over 63% of Americans believe investing today…
The threshold sounds like a finish line: if you hit $1 million in investable assets, the math says you have made it. The reality is that the people who have actually crossed that line…
The popular image of an American millionaire often starts with a trust fund or a lucky break, but the data tell a different story. According to Northwestern Mutual’s 2025 Planning & Progress Study, only…
A retiree with $500,000 can skip the traditional 4% withdrawal approach and instead build a three-ETF portfolio generating around $35,500 per year in cash distributions, roughly $2,963 per month, without selling a single share.…
Northwestern Mutual’s 2025 Planning & Progress Study reveals that nearly half of American millionaires (49%) say their financial planning needs improvement, and only 36% describe themselves as wealthy. People who reached seven figures are…
Nobody handed Sue a pension, and after decades of working at the same elementary school administrative office, she retired with a 401(k), a Social Security check, and a decision about how to turn her…
There is a version of retirement income planning that does not involve learning about covered calls, tracking options premiums, or deciding whether this year’s market environment favors growth or value. It involves two funds,…
The Goldman Sachs Retirement Survey 2025 captures a tension that runs through the entire retirement landscape. A full 68% of working respondents say they are confident they will meet their retirement goals. At the…
The Goldman Sachs Retirement Survey & Insights Report 2025 puts a hard number on what many workers already sense: the bar for retirement keeps moving higher. The estimated total cost of retirement for a…
The Goldman Sachs Retirement Survey & Insights Report 2025 shows that working Americans aim for an average income replacement rate of about 57% in retirement. A large share of respondents expect to live on…
Goldman Sachs Asset Management’s latest retirement survey puts a number on something advisors have long suspected. Retired respondents with a written, personalized retirement plan report a savings‑to‑income ratio of 5.92x, compared with 4.68x for…
Goldman Sachs’ 2025 retirement survey puts numbers around a pattern most savers sense but rarely quantify. Respondents with high Financial Grit hold 49 percent more in retirement savings than those with low Financial Grit,…
A new national survey from Goldman Sachs Asset Management lays out a structural reality that is reshaping retirement planning in America. The 2025 Retirement Survey & Insights Report shows that the traditional advice to…
Most Americans will make one of the most consequential financial decisions of their lives without understanding the rules governing it. That is not a prediction. It is what the Nationwide Retirement Institute’s 2025 Social…
