As markets shift and tax laws evolve, advisors face growing questions about how to keep clients confident and engaged. From emotional drivers to upcoming tax law changes, these insights equip advisors with fresh ways to spark meaningful conversations throughout the year. This program highlights approaches for addressing retirement income concerns, navigating market volatility, and preparing clients for key tax and policy developments.
With client confidence increasingly shaped by emotion as much as data, the following findings highlight the most significant data points shaping client behavior today, along with practical ways to turn them into year‑round planning conversations.
Key findings
73% of participants
in the investor survey were very or somewhat concerned that market volatility will negatively impact ability to generate retirement income.
$150,000
is the amount of FICA wages to be considered a “high earner” regarding the Roth catch-up contribution mandate.
675% increase
in losses between 2018 and 2024 due to financial exploitation.
Key points for advisors
Year-round conversation starters
Use trends like cash holdings and tax law changes (e.g., Roth catch-up rules, QSBS opportunities) as timely reasons to reach out and keep clients engaged across different life stages and market conditions.
View tax rate schedulesSpark deeper planning dialogues
Protecting clients from financial exploitation begins with awareness and proactive planning. Frame discussions around emotional drivers such as peace of mind and income stability to better show how retirement income plans translate into monthly spending and reinforce confidence.
Explore how to strengthen client protectionLeverage behavioral insights
Incorporate findings from the 2025 Janus Henderson Investor Survey and behavioral finance frameworks to guide conversations about market downturns, cash allocations, and diversification.
Learn more about our Investor Survey
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