Recent surveys paint a troubling picture: retirement confidence is dropping, with 65% of Americans relying on advisors to navigate uncertainties, yet only 37% feel fully prepared.
For most Americans, this decline—down 5% year-over-year—signals a need for action amid market volatility and policy shifts.
At Davenport & Associates, we use insights from the latest 2025 retirement survey to restore your confidence.
What does the 2025 retirement survey reveal? It highlights gaps in savings, income strategies, and advisor trust.
This article breaks down key findings and offers practical steps to rebuild your security. How can you boost retirement confidence in 2025? Read on to turn insights into your plan.
What are the main 2025 retirement survey insights? The October 2025 report shows declining confidence due to inflation (2.8%) and healthcare costs (up 5.4%), with 58% behind on savings. Pre-retirees cite stagnant wages, while retirees worry about longevity—expecting 20–30 years post-retirement.
Only 42% are confident, down from 47% in 2024, with 65% seeking advisor guidance for annuities and Roth strategies.
Why is confidence dropping? Economic volatility and unclear policy changes amplify fears for 70% of unplanned individuals.
How do advisors help per the survey? 65% of respondents value personalized advice for diversified portfolios and tax-efficient IRAs.
Our MoneyGuidePro tools model scenarios, helping clients close the $1.46M savings gap (median $88K). Trusts protect assets, ensuring legacy transfer without tax hits.
What steps can you take? Maximize Roth conversions for tax-free growth and delay Social Security for 8% higher benefits.
Explore annuities for guaranteed income, and review trusts for asset protection. The survey emphasizes advisor-led plans, saving thousands in fees.
| Insight | Challenge | Strategy |
|---|---|---|
| 65% Seek Advisor Help | Declining confidence (down 5%) | Personalized MoneyGuidePro reviews |
| 58% Behind on Savings | Median $88K vs. $1.46M needed | Roth conversions, IRA catch-ups |
| Inflation 2.8% | Erodes purchasing power | Annuities for guaranteed income |
| 70% Unplanned | Longevity risks (20–30 years) | Trusts for tax-efficient legacy |
Why trust a financial advisor in 2025? They help you navigate volatility, with 65% reporting higher confidence post-guidance.
How do trusts fit? They minimize inheritance taxes, preserving more for heirs. Our 30+ years ensure tailored solutions.
The 2025 retirement survey underscores a confidence crisis, but with the right strategies, you can overcome it. Ready to regain control? Schedule a free consultation below.