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2025BeyondWealthReportforWealthyAmericans
Tableofcontents
3
Methodology
5
Clickthroughtokeytakeaways
6
Sourcesandattitudestowardwealth
12
Wealthbuilding,financialgoalsandpriorities
17
Retirementandwealthtransfer
26
WealthyAmericans’profileandsubgroupsnapshots
2|FirstCitizensWealth©2025
Methodology
FirstCitizensWealth
partneredwithLogicaResearchtoconducttheseconditerationoftheBeyondWealthReports.
ItuncoversnewinsightsaboutthebehaviorsandattitudesofwealthyAmericansandbusinessownersonmoneymanagement,retirementandestateplanning,andbusinesssuccessionplanning.
Thisstudy,theBeyondWealthReportforWealthyAmericans,focusesonfindingsandinsightsrelatedtowealthyAmericans–thosewith$500,000ormoreininvestableassets.
Acompanionstudy,the
BeyondWealthReportforBusinessOwners
,focusesonthosewealthyAmericanswhoarealsobusinessowners.
3|FirstCitizensWealth©2025
ResponseswerecollectedthroughanonlinesurveyduringAugustandSeptemberof2025.
1,100wealthyAmericanswith$500K+ininvestableassets
Throughoutthisreport,weincludethefollowinggroupsbasedoninvestableassets:
•Affluent:$500,000tolessthan$1million
•Highnetworth(HNW):$1milliontolessthan$10million
•Ultrahighnetworth(UHNW):$10millionormore*
*100UHNWAmericansareanoversampleandarenotincludedinthetotalsampleof1,000wealthyAmericansunlessotherwisenoted.
AAA
LogicaResearchisanindependentresearchfirmandisneitheraffiliatedwith,noremployedby,FirstCitizensBank.
4|FirstCitizensWealth©2025
Growingcomplexity,enduringresilience
Personalwealthisneverstatic—itevolveswiththeeconomy,themarketsandthepersonalchoicesindividualsmake.Eachyear,theBeyondWealthReportforWealthyAmericansprovidesawindowintotheseshifts,
capturinghowwealthyAmericansfeelabouttheenvironmentaroundthem—andhowthey’readaptingtheirstrategies.
In2025,macroeconomicforceshavereshapedfinancialstrategies.
MorethanhalfofwealthyAmericansreportfeeling“somewhat”or“very”stressedabouttheirfinancesthisyear,withinflation,marketvolatilityandchanginggovernmenteconomicpoliciescitedaskeystressors.
We’vealsoseenagrowingshiftinretirementexpectations.Whilethe
averageamountrespondentsbelievethey’llneedtoretirehasincreasedsincelastyear'sreport,theirsavingshaveremainedflat.Perhaps
unsurprisingly,theaverageageatwhichwealthyAmericansexpecttofullyretirehasalsoincreasedoverthelastyear—from64to65.
Yetamidthesechallenges,wealthyAmericansaredemonstratingtrueresilience.Manyarechannelingfinancialstressintopurposeful
adjustmentsthatstrengthentheirfinancialfoundation:they’recuttingbackonluxuries,redirectingresourcestowardlong-termgoalsand
increasingbothretirementcontributionsandinvestments.
Wealsoseegreaterdiversificationofincomesourcesin2025.WhilemostwealthyAmericanscontinuetobuildwealththroughacombinationof
investmentsandemployment,manyarecitingmultipleincomesources,suchasbusinessownership,equitycompensationorinheritance.
Perhapsmostencouragingly,thevalueofprofessionalguidanceisclear.
ThreeinfourwealthyAmericansnowworkwithafinancialadvisor,citing
notonlystrongeroutcomesbutalsogreaterconfidenceandreducedstress.
Inaneradefinedbycomplexity,thathumanconnection—trustedadvicetailoredtotheindividual—remainsindispensable.
Ultimately,thesefindingsaremorethanstatistics.TheyaresignalsofhowwealthyAmericansarerespondingtochange.
MarcHorgan
ReportAuthor&ExecutiveDirector,FirstCitizensWealth
Ihopeyoufindthisyear’sBeyondWealthReportforWealthyAmericansavaluablelensforunderstandingnotjustwheretheseindividualsaretoday,butwheretheyareheading—andhowwecanhelpthemmoveforwardwithclarityandconfidence.
5|FirstCitizensWealth©2025
Clickthroughtokeytakeaways
Sourcesandattitudestowardwealth
Investmentsandincomearetopwaystogeneratewealth
Jumptoslide
WealthyAmericansareconfidentyetstressedaboutfinances
Jumptoslide
Stresscanfuelproductiveshiftsinfinancialhabits
Jumptoslide
Wealthbuilding,financialgoalsandpriorities
Workingwithafinancialadvisorhasmaterialandmentalbenefits
Jumptoslide
Financialprioritiesshiftasinvestableassetsincrease
Jumptoslide
WealthyAmericanshavediverseinvestmentportfolios
Jumptoslide
Retirementandwealthtransfer
Retirementagesaremovingback,butsavingsarethesame
Jumptoslide
Laterretirementagesmaybedrivenbypersonaldesire
Jumptoslide
SomewealthyAmericanslackformallegacyplanning
Jumptoslide
Sourcesandattitudestowardswealth
Inresponsetoeconomicuncertainty,wealthyAmericansareadjustingtheirfinancialhabitstostrengthentheirfinancialfoundation.
InvestmentsandincomearethetopwayswealthyAmericansgeneratetheirwealthandsavings
WealthyAmericanssaytheirfinancescausethemstressdespitefeelingsofconfidence
StresscanbethecatalystforproductiveshiftsinwealthyAmericans’financialhabits
6|FirstCitizensWealth©2025
Investmentsandworkincomedrivewealth
Comparedtoayearago,wealthyAmericanshavebroadenedtheirsourcesofsavingsandwealth
InvestmentsandincomefromworkingarethetopsourcesofwealthyAmericans’savingsandwealth.Othercommonsourcesincludebusinessownershipandstock/optionsintheiremployer’scompany.
Since2024,wealthyAmericansreporthavingmoresourcesfortheirsavingsandwealth,withthegreatestincreasebeingstock/optionsintheiremployer’scompany.AswealthyAmericansnavigateeconomicuncertainties,theymaybeturningtomoresourcesofwealthandsavingsasasecuritymeasure.
WealthyAmericans’reportedsourcesofsavingsandwealth
20252024
Investments
89%
88%
Incomefromworking
75%
69%
Businessownership
45%
39%
Stock/optionsincompanyemployedwith
43%
30%
Inheritance
23%
22%
Divorcesettlement
2%
3%
Q.1:Whatareallthesourcesofyoursavingsandwealth?
7|FirstCitizensWealth©2025(Base:Total2025=1,000;Total2024=1,000)
Agecaninfluencesourcesofsavingsandwealth
Workingincomeandinvestmentsaretheprimarysourcesofsavingsandwealth
UHNWAmericansaremostlikelytosourcetheirsavingsandwealthprimarilyviaincomefromworking.Forallwealthy
Americans,incomefromworking,investmentsandbusinessownershipareallcommonprimarysourcesforwealthandsavings.Ontheotherhand,aninheritanceisrarelyaprimarysourceofwealth.
AgecanalsoimpactwherewealthyAmericanssourcetheirsavingsandwealth,withMillennialscitingbusinessownershipandBoomerscitinginvestmentsastheirprimarysourcesofwealthandsavings.
WealthyAmericans’reportedprimarysourcesofsavingsandwealth
TotalwealthyAmericans
UHNW
Americans($10M+)
Incomefromworking
34%
69%
Investments
$$
32%
13%
Businessownership
25%
11%
Stock/optionsincompanyemployedwith
5%
7%
Inheritance3%-
Businessownership34%Incomefromworking38%Investments49%
Generationspotlight–Topprimarysourceofsavingsandwealth
Millennials(29-44)
GenX
(45-60)
Boomers(61-79)
8|FirstCitizensWealth©2025
Optionswith%valuesbelow2%areexcluded(Divorce,Other)
Q.2:Whatistheprimarysourceofyoursavingsandwealth?
(Base:Total=1,000;UHNW=120;Millennials=390;GenX=314;Boomers=244)
ForwealthyAmericans,financialstressiscommon
FactorsoutsidewealthyAmericans’controlarefuelingtheirfinancialstress
MorethanhalfofwealthyAmericanssaytheyaresomewhatorverystressedabouttheirfinances.
WealthyAmericanstendtobestressedbymacroeconomicfactorsoutsideoftheircontrol.Inflationisthetopfinancialstressor,followedbystockmarketvolatilityandchangesingovernmenteconomicpolicy.
Stresswithfinancialsituation
7%
48%
45%
Verystressed
SomewhatstressedNotstressed
9|FirstCitizensWealth©2025
Topfinancialstressors
Inflation
Stockmarketvolatility
Changesingovernment
economicpolicy HighinterestratesChallengingjobmarket
42%33%
44%
62%
15%
Q.7:Whatlevelofstressdoyougenerallyfeelsurroundingyourfinances,ifany?/Q.8:Whatarethetopthreestressors,ifany,youcurrentlyfeelrelatedtoyourfinances?
(Base:Total=1,000;UHNW=120)
Confidenceishigh,butdoubtslinger
WealthyAmericansareleastconfidentabouttaxliabilitiesandlifestylemaintenanceinretirement
Whileconfidenceintheirfinancialsituationishigh,especiallyamongbusinessowners,mostwealthyAmericansstilllackconfidenceinatleastoneaspectoftheirpersonalwealthplanning.
Theyareleastconfidentwhenitcomestoreducingtaxliabilities,followedbylater-lifeplanssuchaslifestylemaintenanceinretirement,retiringontimeandwealthtransferstoheirs.
Confidenceinfinancialsituation
Businessowners
35%
Verystressed
SomewhatstressedNotstressed
43%
5%
Non-owners
60%
54%
3%
10|FirstCitizensWealth©2025
Top5areaswealthyAmericansareleastconfidentinwhenwealthplanning
Incontrast,63%ofUHNWAmericans($10M+)feelconfidentabouttheirpersonalwealthplanning
26%24%
RetiringTransferringontimewealthto
heirs
planning
Sustaining
yourlifestyle
during
retirement
Ifeelconfident
aboutmy
personalwealth
Managing
personal
investment
portfolio
Reducingtaxliabilities
34%
32%
21%
27%
Q.5:Howconfidentdoyoucurrentlyfeelaboutyourcurrentfinancialsituation?/Q.34:Thinkingaboutpersonalwealthplanning,whatarethetopthreeareaswhereyoucurrentlyfeeltheleastconfident?
(Base:Total=1,000;Non-Owners=500;BusinessOwners=500;UHNW=120)
WealthyAmericansarecuttingbackandsavingmore
FormanywealthyAmericans,economicuncertaintiesareawaytobetterpreparefortheirfuture
Inresponsetoeconomicconditionslikeinflationandtariffs,wealthyAmericansaremostlikelytosaytheyarespendinglessonluxurieslikevacationsandhobbies.
However,wealthyAmericansaren’tpullingbackonpreparingfortheirfuture,withmanyalsosayingtheyareincreasinghowmuchtheysaveforretirementandspendoninvestments.Thissuggeststhateconomicuncertaintiescanalsoactas
opportunitiesforwealthyAmericanstostrengthentheirfinancialfutures.
Topactionstakeninresponsetocurrenteconomicconditions
38%
Spendinglessonluxuries
13%
Updatingwill/estateplan
24%
Spendingmoreoninvestments
12%
Increasingrateofdebtrepayment
30%
Increasingrate
ofsavingforretirement
12%*
Postponingdateofretirement
$
$
11|FirstCitizensWealth©2025
*Responseshownonlytoparticipantswhoarenotyetretired
Q.9:Whatchanges,ifany,haveyoumadetoyourpersonalfinancesinresponsetorecenteconomicconditionslikeinflationandtariffs?
(Base:Total=1,000;NotRetired=865)
Wealthbuilding,financial
goalsandpriorities
Astheirfinancesgrowmorecomplex,wealthyAmericansturntofinancialadvisorsfortrustedadviceandpeaceofmind.
WealthyAmericanspartnerwithfinancialadvisorsforbothmaterialandmentalbenefits
Financialprioritiesshiftasinvestableassetsincrease
WealthyAmericanshavediverseinvestmentportfolios,withageimpactingpreferences
12|FirstCitizensWealth©2025
Advisorsaremostvaluedfortheirfinancialexpertise
Trustedadviceandfinancialpreparationarethetopbenefitsofworkingwithafinancialadvisor
ThreeinfourofallwealthyAmericansandninein10UHNWAmericansworkwithaprofessionalfinancialadvisor.
Thetopperceivedbenefitsincludeaccesstotrustedfinancialexpertiseandfeelingsofbeingmorepreparedforthefuture.Reducingstresslevels,earningmoremoneythantheywouldontheirownandsavingtimearesecondarybenefits.
Hasafinancialadvisor
75%
Totalwealthy
Americans
92%
UHNWAmericans
($10M+)
13|FirstCitizensWealth©2025
Topbenefitsofworkingwithafinancialadvisor
Trustedsourceforfinancialexpertise
Ifeelbetterpreparedforthefuture
Itreducesmystress
EarnmoremoneythanIwouldonmyown
Itsavesmetime
43%
32%
37%
63%
54%
S.12:Doyouhaveaprofessionalfinancialadvisor?/Q.10:Whatarethethreebiggestbenefitsofworkingwithaprofessionalfinancialadvisor?
(Base:Total=1,000;HasFinancialAdvisor=750;UHNW=120)
Whenfinancesbecomecomplex,turntoanadvisor
FinancialadvisorshelpwealthyAmericansgrowtheirwealthonceitbecomestoocomplex
WealthyAmericans’initialreasonstoseekoutafinancialadvisoraretogrowtheirwealthandgainaccesstofinancialadvice,guidanceandaplan.
ThedecisiontoworkwithafinancialadvisoristypicallydrivenbywealthyAmericans’financesbecomingtoocomplexorpassingaspecificnetworththreshold;significantlifemomentsarelesslikelytobeatrigger.
25%Growmywealth
23%
Accesstofinancial
adviceandguidance
17%
Puttogethera
financialplan
Topreasonsforinitiallyseekingfinancialadvisor
14|FirstCitizensWealth©2025
Topmomentsdrivingdecisiontobeginworkingwithfinancialadvisor
Financesbecametoocomplextomanage22%Crossedacertainnetworththreshold19%Identifiedspecificobjectivetoachieve16%
Crossedacertainincomethreshold
Experiencedasignificantlifeevent12%
14%
Q.13:Whatmadeyouseekoutaprofessionalfinancialadvisorinthefirstplace?/
Q.14:Atwhatmomentdidyoudecidetoworkwithaprofessionalfinancialadvisor?
(Base:HasaFinancialAdvisor=750)
Prioritiesshiftaswealthgrows
Aswealthgrows,prioritiesshifttowealthgrowthandretirementsavings,thenreducingtaxliabilities
Aftersurpassing$500,000and$1millionininvestableassetsrespectively,AffluentandHNWAmericansshifttheirprioritiestogrowingtheirwealthandsavingmoreforretirement.
Aftertheypass$10millionininvestableassets,UHNWAmericansfocuslessoncontinuingtogrowtheirwealthandmoreonreducingtheirtaxliabilities.Oneinthreealsoreportnotchangingprioritiesatall.
AffluentAmericans-Prioritiesshiftaftersurpassing$500,000
$
Morefocusongrowinglevelofwealth
Morefocusonsavingfor
retirement
Morefocuson
preservingcurrentlevelofwealth
38%
38%
31%
16%
Prioritiesdidnotchange
15|FirstCitizensWealth©2025
HNWAmericans-Priorities
shiftaftersurpassing$1million
UHNWAmericans-Priorities
shiftaftersurpassing$10million
Morefocusongrowinglevelofwealth
Morefocusonsavingfor
retirement
Morefocusonreducingtaxliabilities
TAX
Morefocusonreducingtaxliabilities
Morefocusonsavingfor
retirement
Morefocuson
preservingcurrentlevelofwealth
45%
38%
34%
43%
37%
35%
TAX
16%
33%
Prioritiesdidnotchange
Prioritiesdidnotchange
Q.17:Howhaveyourwealthplanningprioritiesshiftedaftersurpassing$500,000/$1million/$10millionininvestableassets(includingstocks,bonds,mutualfunds,cash,andallotherliquidassets,aswellasretirementfundssuchas401(k)or403(b)plans),ifatall?
(Base:Affluent=544;HNW=436;UHNW=120)
WealthyAmericansownavarietyofinvestments
WealthyAmericansownavarietyofinvestmentproducts,withafocusontraditionalinvestments
MostwealthyAmericansownstocks,mutualfundsorETFs,followedbyrealestate.Thoughlesscommon,almosthalfofwealthyAmericansownprivateequityandathirdowncryptocurrencies.
Millennialsaremorelikelytoownprivateequityandcryptocurrencies,whileBoomersaremorelikelytoownCDsandMMAs.
InvestmentproductswealthyAmericanscurrentlyreportowning
Generationalspotlight
88%
76%
Millennials(29-44)whoownPE/PI58%,crypto56%Boomers(61-79)whoownCDsandMMAs74%
67%
63%
56%
45%
35%
Realestate
CDsandMoneyMarketAccounts
Privateequity/
privateinvestments
Guaranteed
income
Cryptocurrencies
Bonds
Stocks,mutualfundsorETFs
16|FirstCitizensWealth©2025
Q.18:Whichofthefollowingdoyoucurrentlyownorare
planningtoown:<SummaryofCurrentlyown>
(Base:Total=1,000;Millennials=390;Boomers=244)
Retirementandwealthtransfer
WealthyAmericansareredefiningretirementbyworkinglongerandpreparingtopassonwealth,butmanystillfallshorton
formallegacyplanning.
WealthyAmericansexpecttoworklongerandretirelater,thoughsavingsremainunchanged
UHNWAmericansareexpectinglaterretirements,partiallydrivenbypersonaldesire
WhilemanywealthyAmericansfeelpreparedtopassonwealth,manywouldbenefitfromformallegacyplanning
17|FirstCitizensWealth©2025
WealthyAmericansareexpectingtoretirelater
WealthyAmericanswhoaren’tretiredyetexpecttoworklongerthancurrentretirees
Lookingbackat2024,wealthyAmericanshave,onaverage,movedtheirexpectedageofretirementoneyearlater–from
60to61toretirepartially,and64to65toretirefully.However,retirementsavingshaveremainedunchanged,stayingat,onaverage,$1.6million.
Comparedtothosewhoareretired,non-retiredwealthyAmericansexpecttoretirelaterinlife,sayingtheydon’tanticipatefullyretiringuntil,onaverage,66–afive-yeargapfromwhatcurrentretireesreport.
$1.6million
(Average)
$875,000
(Median)
$1.8million$1.6million
(Average)(Average)
$875,000$875,000
(Median)(Median)
Currentretirementsavings
Averageexpectedageofretirementandcurrentretirementsavings
Totalwealthy
Retired
Non-retired
Americans
wealthyAmericans
wealthyAmericans
Averageagetoretirefromprimaryoccupationbutworkpart-time
61yearsold
60yearsold
(Actualage)
61yearsold
(Expectedage)
Averageagetoretirecompletely,nolongerworking
65yearsold
62yearsold
(Actualage)
66yearsold
(Expectedage)
Q.19:Atwhatagedoyouexpecttoretire/didyouretire?/Q.48:Howmuchmoneydoyoucurrentlyhavesavedforretirement?Thisincludesretirementfundsheldbyemployers,suchas401(k)or403(b)plansandotherretirementfundssuchasIRAs.
18|FirstCitizensWealth©2025
(Base:Total=1,000;Retired=135;NotRetired=865)
Q.19:Atwhatagedoyouexpecttoretire/didyouretire?/Q.48:Howmuchmoneydoyoucurrentlyhavesavedforretirement?Thisincludesretirementfundsheldbyemployers,suchas401(k)or403(b)plansandotherretirementfundssuchasIRAs.
19|FirstCitizensWealth©2025
(Base:Total=1,000;Affluent&HNW=980;UHNW=120)
UHNWAmericansplantoretireevenlater
Asinvestableassetsincrease,sodoestheageofretirement
ComparedtoAffluentandHNWAmericans,UHNWAmericansexpecttoretirelaterinlife:partiallyat66versus61yearsold,andfullyat69versus65yearsold.
ThisisdespiteUHNWAmericanshaving,onaverage,morethanthreetimesasmuchsavedforretirementcomparedtoAffluentandHNWAmericans.
$1.6million
(Average)
$875,000
(Median)
$1.5million$5.2million
(Average)(Average)
$875,000$4million
(Median)(Median)
Currentretirementsavings
Averageexpectedageofretirementandcurrentretirementsavings
TotalwealthyAmericans
Affluent&HNWAmericans
UHNWAmericans
Averageagetoretirefromprimaryoccupationbutworkparttime
61yearsold
61yearsold
66yearsold
Averageagetoretirecompletely,nolongerworking
65yearsold
65yearsold
69yearsold
WhywealthyAmericansdecidetoretire
UHNWAmericansmayberetiringlaterbecausetheywantto
UHNWAmericansmayberetiringatalateragebecausetheywantto,notbecausetheyhaveto.
ForAffluentandHNWAmericans,theirtopconsiderationwhendecidingtoretireishowmuchtheyhavesaved.Meanwhile,amajorityofUHNWAmericanssaythatinadditiontotheirhealthneedsandamountofretirementsavings,theyarealso
consideringtheirpersonaldesire,abilitytoworkandachievementofprofessionalgoalswhendecidingwhentoretire.
WealthyAmericans’considerationswhendecidingtoretire
AffluentandHNWAmericans
UHNWAmericans
1
Amountofmoneysavedforretirement
62%
Physicalandmentalhealthneeds
71%
2
Personaldesiretoretire
54%
Amountofmoneysavedforretirement
69%
3
Amountofmoneyfromincomeduringretirement
46%
Personaldesiretoretire
69%
4
Physicalandmentalhealthneeds
42%
Inabilitytocontinueworking
57%
5
Familyneeds
31%
Achievementofprofessionalgoals
54%
······
☆
$
Q.20:WhichofthefollowingDO/DIDyouconsiderwhendecidingwhentoretire?
20|FirstCitizensWealth©2025(Base:Affluent&HNW=980;UHNW=120)
Currentretirementsavingslagexpectations
Non-retiredwealthyAmericanshave$1.6millionsavedforretirementbutexpecttoneedatleast$2million
Non-retiredwealthyAmericansexpecttoneed,onaverage,$2.3milliontoretirewiththebareminimumandupto$6.3milliontoretireandpassonwealthtotheirheirs.
BasedontheaverageamountwealthyAmericanscurrentlyhavesavedforretirement,theyare$2.5millionawayfromretiringcomfortably.
Currentretirementsavingsversusexpectedamountneededtoretire
$6.3M
$4.1M
$1.6M
Expectedamountneededtoretire
withbareminumum
(Average)
Expectedamountneededtoretire
andpassonwealthtoheirs
(Average)
Expectedamountneededto
retirecomfortably
(Average)
Currentretirementsavings
(Average)
$2.3M
21|FirstCitizensWealth©2025
Q.21:Whenyoureachretirementage,whatamountofmoneydoyoufeelyouwillneedforthefollowingconditions?Q.48:Howmuchmoneydoyoucurrentlyhavesavedforretirement?Thisincludesretirementfundsheldbyemployers,suchas401(k)or403(b)plansandotherretirementfundssuchasIRAs.
(Base:NotRetired=865)
Aswealthgrows,sodoretirementexpectations
Aswealthgrows,sodotheexpectationsforhowmuchisneededtoretire
Affluent,HNWandUHNWAmericans’expectationsforhowmuchtheyneedtoretirefollowaconsistentpattern.AswealthyAmericansmovetoeachinvestableassetthreshold,fromAffluenttoHNWtoUHNW,theaveragedollaramountneededtoretireroughlydoubles.
Averageexpectedamountneededtoretirecomfortably
$10.9M
$5.3M
$2.8M
Affluent
($500K-$999K)
HNW
($1M-$9.99M)
UHNW($10M+)
Averageexpectedamount
neededtopasswealthtoheirs
$14.2M
$8.0M
$4.8M
Affluent
($500K-$999K)
HNW
($1M-$9.99M)
UHNW($10M+)
Averageexpectedamountneededtoretirewithbareminimum
$8.0M
$3.1M$1.4M
Affluent
($500K-$999K)
HNW
($1M-$9.99M)
UHNW($10M+)
Q.21:Whenyoureachretirementage,whatamountofmoneydoyoufeelyouwillneedforthefollowingconditions?
22|FirstCitizensWealth©2025(Base:NotRetired-Affluent=465;HNW=384;UHNW=111)
Retirementgoalsareinfluencedbywealth
MostwealthyAmericanswanttomaintainorenhancetheirlifestyleinretirement,andUHNWarefocusedonleavingalegacy
AmongallwealthyAmericanswhoaren’tretired,thetopgoalinretirementistoeithermaintainorenhancetheirlifestyle.However,almosttwoinfive(35%)alsowanttosupporttheirfamilyfinanciallybefore(18%)orafter(17%)they’regone.
AffluentandHNWAmericansaremorelikelytosaytheirprimaryretirementgoalismaintainingtheirlifestyle,whileUHNWAmericansfocusonpassingwealthtotheirfamilyoncethey’regone.
Primarygoalinretirement
Maintainlifestyle
throughoutretirementAffluent:41%|HNW:42%|UHNW:23%
Haveenoughmoneyto enhancelifestyleinretirementAffluent:25%|HNW:22%|UHNW:23%
17%
PassonwealthtohelpmyfamilywhenIamgone
Affluent:16%|HNW:19%|UHNW:39%
41%
18%
Helpmyfamilyfinanciallyas
24%
muchaspossiblebeforeI’mgoneAffluent:18%|HNW:17%|UHNW:15%
Q.22:Whichofthefollowingbestdescribesyourprimarygoalforretirement?
23|FirstCitizensWealth©2025(Base:NotRetired=865;Affluent=465;HNW=384;UHNW=111)
RetiredwealthyAmericanswishtheysavedsooner
Lookingback,retiredwealthyAmericanswishtheysavedsoonerandmoreforretirement
ForretiredwealthyAmericansreflectingontheirpastactions,savingsoonerandsavingmoreforretirementarethetopthingstheywoulddodifferently.
Inadditiontoamorerobustretirementfund,retiredwealthyAmericanssaytheywishtheyweremoreattentivetotheirlater-lifeneeds,suchaspurchasinglong-termcareinsuranceandresearchingwaystoearnanincomeduringretirement.
WhatretiredwealthyAmericanswishtheydiddifferentlywhenretirementplanning
27%
Startsavingforretirementsooner
16%
Purchaselong-termcareinsurance
25%
Savemoreinaretirementplan
16%
Takeadvantageofemployerretirementcontributions
Q.25:Lookingback,isthereanythingyouwoulddodifferentlywhenplanningforretirement?
24|FirstCitizensWealth©2025(Base:Retired=135)
WealthyAmericansarem
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