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Wealth management
2025 Wealth survey
Discover how Americans are navigating financial uncertainty and what it means for building lasting wealth.
The financial confidence crisis.
U.S. Bank surveyed a nationally representative sample of 5,000 American adults from different generations, genders and regions to understand how they’re managing their money in an era of unprecedented uncertainty.
The new American reality: Americans trust their financial decisions but feel a lack of control over external uncertainties.
77% said the current economic environment influences their retirement timeline.
77% said the economy influences where to live, including more affordable parts of the country or tax-friendly states.
75% said the economy influences whether they buy or rent a home.
Redefining success: Success still means stability and fulfillment, but feels just out of reach.
88% say homeownership is a key indicator of financial success, yet 23% have given up on buying a home due to cost.
93% say having enough retirement savings to live comfortably is a key indicator of success.
16% of Americans say they’ve given up on retiring due to financial reasons.
Long-term financial planning: Many Americans feel confident in their ability to manage daily expenses, but long-term financial planning has taken a backseat.
68% have created a household budget to reduce spending.
39% have moved money into safer investments.
Only 37% of non-retired adults are actively planning and saving for retirement.
63% worry they'll have to return to work after retiring, with the percentage trending higher for younger generations.
Planning builds confidence: A financial advisor and financial plan can bring clarity and a feeling of control when everything else feels uncertain.
Those working with an advisor are more confident they can achieve their key goals in the next 5 years.
Having enough to own a home:
with advisor
0%
without advisor
0%
0%
Having enough retirement savings:
with advisor
0%
without advisor
0%
0%
Being able to retire early:
with advisor
0%
without advisor
0%
0%
Personalized guidance tailored to your financial goals.
Understanding your goals and making sense of your finances is our starting point for your personalized guidance. Wherever you are in your financial journey, we'll tailor a strategy to help you work toward your financial goals with confidence.
Read the full 2025 Wealth survey
Dive deeper into how different groups of Americans are feeling about the current economic environment and discover how working with a financial advisor or creating a financial plan can help you navigate your wealth journey.
Practical financial guidance to help you feel more in control.
Setting financial goals step by step
Achieving financial goals starts with small, manageable steps. Focus on what you can control to build momentum and work toward long-term success.
Planning for a longer retirement
With Americans expecting to be retired for 15+ years, discover strategies to make your savings last through retirement.
Why professional guidance matters now
Learn how financial advisors help clients feel more confident and in control, even when external forces create uncertainty.
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Disclosures
Equal Housing Lender. Deposit products are offered by U.S. Bank National Association. Member FDIC. Mortgage, Home Equity and Credit products are offered by U.S. Bank National Association. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.