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Would you like to visit our UK site?",[],"Stay on US site","You’re currently on our US site",[695],{"_uid":696,"heading":697,"cta_link":55,"cta_text":698,"component":699,"description":700,"pro_heading":701,"pro_cta_link":33,"pro_cta_text":702,"pro_description":703},"7404adca-dc5b-443e-a1b4-4c8bed2673b3","Financial advice","Match with an advisor","sidebar_cta","We’ll find a professional perfectly matched to your needs. Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the 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",{"type":760,"attrs":802,"content":803},{"level":762},[804],{"text":805,"type":22},"What key trends will shape the retirement advisory landscape?",{"type":18,"content":807},[808],{"text":809,"type":22},"For retirement advisors, these are the trends that will have the most impact in 2025:",{"type":18,"content":811},[812],{"text":813,"type":22,"marks":814},"Demographic shifts & an aging workforce",[815],{"type":38},{"type":18,"content":817},[818],{"text":819,"type":22},"The US is experiencing a surge in retirees, with the baby boomer generation leaving the workforce. ",{"type":18,"content":821},[822,824,830],{"text":823,"type":22},"By 2030, ",{"text":825,"type":22,"marks":826},"all baby boomers will be at least 65",[827],{"type":31,"attrs":828},{"href":829,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.census.gov/library/stories/2019/12/by-2030-all-baby-boomers-will-be-age-65-or-older.html",{"text":831,"type":22},", significantly increasing the proportion of the population in retirement. This shift puts immense pressure on the retirement planning industry. ",{"type":18,"content":833},[834],{"text":835,"type":22},"A retirement advisor will need to prioritize solutions that provide income sustainability over extended periods, addressing potential gaps caused by longer life spans.",{"type":18,"content":837},[838],{"text":839,"type":22},"Healthcare is another critical factor. Rising medical expenses, coupled with the need for long-term care, require proactive financial planning. 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",{"type":18,"content":855},[856,858,870],{"text":857,"type":22},"An online retirement advisor offers accessibility and efficiency, ",{"text":859,"type":22,"marks":860},"leveraging AI",[861],{"type":31,"attrs":862},{"href":863,"uuid":864,"anchor":34,"target":35,"linktype":74,"story":865},"/pro/discover/trends-insight/the-future-of-financial-advice-and-ai","5f32be58-b660-4827-852a-3b8f48775def",{"name":866,"id":867,"uuid":864,"slug":868,"url":869,"full_slug":869,"_stopResolving":558},"The future of financial advice and AI",613608522,"the-future-of-financial-advice-and-ai","pro/discover/trends-insight/the-future-of-financial-advice-and-ai",{"text":871,"type":22}," to provide insights on risk tolerance, spending habits, and investment diversification. Tools like robo-advisors enable automatic portfolio rebalancing, providing clients with a streamlined and intuitive experience.",{"type":18,"content":873},[874,876,888],{"text":875,"type":22},"Beyond AI, ",{"text":877,"type":22,"marks":878},"advanced customer relationship management (CRM) systems",[879],{"type":31,"attrs":880},{"href":881,"uuid":882,"anchor":34,"target":35,"linktype":74,"story":883},"/pro/discover/business-growth/best-crm-software-for-financial-advisors","fedfa760-f822-4bbb-ba0e-a4bd185fe56b",{"name":884,"id":885,"uuid":882,"slug":886,"url":887,"full_slug":887,"_stopResolving":558},"Best CRM software for financial advisors",578843116,"best-crm-software-for-financial-advisors","pro/discover/business-growth/best-crm-software-for-financial-advisors",{"text":889,"type":22}," are becoming essential for retirement financial advisors. These systems allow for personalized communication, help advisors track client milestones and provide timely advice. ",{"type":18,"content":891},[892],{"text":893,"type":22},"Technology also makes it easier to offer real-time updates, such as market alerts or retirement fund performance, ensuring clients remain informed and engaged.",{"type":18,"content":895},[896],{"text":897,"type":22,"marks":898},"Emphasis on ESG (Environmental, Social, and Governance)",[899],{"type":38},{"type":18,"content":901},[902],{"text":903,"type":22},"ESG investing is more than a passing trend; it has become a priority for many clients. ",{"type":18,"content":905},[906,908,920,922,934],{"text":907,"type":22},"A growing number of investors want their retirement funds to align with their values, whether those values involve environmental sustainability, corporate ethics, or social equity. Retirement planning advisors can ",{"text":909,"type":22,"marks":910},"differentiate themselves",[911],{"type":31,"attrs":912},{"href":913,"uuid":914,"anchor":34,"target":35,"linktype":74,"story":915},"/pro/discover/trends-insight/how-to-differentiate-yourself-as-a-financial-advisor","c3affbac-db9c-4e98-86a4-f9fd5e0a2d58",{"name":916,"id":917,"uuid":914,"slug":918,"url":919,"full_slug":919,"_stopResolving":558},"How to differentiate yourself as a financial advisor",613623344,"how-to-differentiate-yourself-as-a-financial-advisor","pro/discover/trends-insight/how-to-differentiate-yourself-as-a-financial-advisor",{"text":921,"type":22}," by offering ",{"text":923,"type":22,"marks":924},"ESG-focused investment options",[925],{"type":31,"attrs":926},{"href":927,"uuid":928,"anchor":34,"target":35,"linktype":74,"story":929},"/pro/discover/trends-insight/esg-investing-what-do-your-clients-need-to-know","796c3b86-d8c3-4b86-849d-5787c30b32ea",{"name":930,"id":931,"uuid":928,"slug":932,"url":933,"full_slug":933,"_stopResolving":558},"ESG investing: what do your clients need to know?",248464947,"esg-investing-what-do-your-clients-need-to-know","pro/discover/trends-insight/esg-investing-what-do-your-clients-need-to-know",{"text":935,"type":22},", such as mutual funds and ETFs.",{"type":18,"content":937},[938],{"text":939,"type":22},"Educating clients on ESG criteria is equally important. Many investors are unfamiliar with how these principles are measured and implemented. Advisors who can break down ESG scoring and demonstrate the impact of socially responsible investments on long-term returns will earn their clients' trust and loyalty.",{"type":18,"content":941},[942],{"text":943,"type":22,"marks":944},"Regulatory updates & compliance",[945],{"type":38},{"type":18,"content":947},[948,950,956],{"text":949,"type":22},"In 2025, several key legislative changes are expected to impact retirement planning, particularly focusing on ",{"text":951,"type":22,"marks":952},"tax reform",[953],{"type":31,"attrs":954},{"href":955,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://tax.thomsonreuters.com/blog/upcoming-tax-law-changes/",{"text":957,"type":22},". ",{"type":18,"content":959},[960],{"text":961,"type":22},"The IRS has announced an increase in the annual contribution limit for 401(k) plans to $23,500, up from $23,000 in 2024. This allows individuals to save more in tax-deferred accounts, potentially lowering their taxable income for the year. ",{"type":18,"content":963},[964],{"text":965,"type":22},"As part of SECURE 2.0, catch-up contributions for individuals aged 60 to 63 will increase to $11,250, offering additional tax-advantaged savings opportunities.",{"type":18,"content":967},[968],{"text":969,"type":22},"Tax reforms are also reflected in changes to Roth IRA income phase-out thresholds. ",{"type":18,"content":971},[972],{"text":973,"type":22},"For 2025, singles earning between $150,000 and $165,000 and married couples filing jointly with incomes between $236,000 and $246,000 will remain eligible to contribute. These adjustments help more taxpayers access the tax benefits of Roth accounts, such as tax-free growth and withdrawals in retirement.",{"type":18,"content":975},[976,978,984],{"text":977,"type":22},"On the compliance side, the ",{"text":979,"type":22,"marks":980},"Department of Labor",[981],{"type":31,"attrs":982},{"href":983,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.dol.gov/newsroom/releases/ebsa/ebsa20231031",{"text":985,"type":22}," is expected to revisit fiduciary rules, which could expand advisors’ responsibilities to act in their clients’ best interests. These potential updates highlight the need for advisors to stay informed and adjust their practices to align with evolving regulations.",{"type":18,"content":987},[988],{"text":989,"type":22,"marks":990},"Political changes",[991],{"type":38},{"type":18,"content":993},[994,996,1002],{"text":995,"type":22},"President Trump’s proposed elimination of ",{"text":997,"type":22,"marks":998},"taxes on Social Security benefits",[999],{"type":31,"attrs":1000},{"href":1001,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://edition.cnn.com/2024/11/13/politics/benefits-trump-social-security-plan/index.html",{"text":1003,"type":22}," is poised to have a far-reaching impact. ",{"type":18,"content":1005},[1006],{"text":1007,"type":22},"On one hand, this measure could increase retirees’ disposable income, providing immediate relief for seniors. On the other hand, experts caution that the proposal might accelerate the depletion of Social Security funds, leading to potential benefit reductions for future generations.",{"type":18,"content":1009},[1010],{"text":1011,"type":22},"Advisors must prepare clients for these uncertainties by emphasizing the importance of private savings and diversified investment portfolios. Encouraging clients to view Social Security as a supplement rather than a primary income source is key to ensuring financial stability.",{"type":760,"attrs":1013,"content":1014},{"level":762},[1015],{"text":1016,"type":22},"What challenges do retirement advisors face in 2025?",{"type":18,"content":1018},[1019],{"text":1020,"type":22},"These are the most prevalent challenges for retirement planning advisors this year:",{"type":18,"content":1022},[1023],{"text":1024,"type":22,"marks":1025},"Balancing risk & return in volatile markets",[1026],{"type":38},{"type":18,"content":1028},[1029],{"text":1030,"type":22},"Economic uncertainty remains a major challenge for a retirement financial advisor. Fluctuating interest rates, geopolitical tensions, and unpredictable market cycles make it harder to balance risk and return. ",{"type":18,"content":1032},[1033],{"text":1034,"type":22},"To navigate these complexities, retirement advisors are turning to strategies such as dollar-cost averaging, which reduces the impact of market volatility over time. ",{"type":18,"content":1036},[1037],{"text":1038,"type":22},"Advisors could also consider incorporating alternative investments, such as real estate or commodities, to hedge against inflation and market downturns.",{"type":18,"content":1040},[1041],{"text":1042,"type":22,"marks":1043},"Educating clients on retirement options",[1044],{"type":38},{"type":18,"content":1046},[1047,1049,1061],{"text":1048,"type":22},"Retirement planning often involves navigating a maze of complex rules and structures. Simplifying these concepts is crucial, whether explaining the tax implications of a Roth IRA conversion or guiding clients through ",{"text":1050,"type":22,"marks":1051},"401(k) rollovers",[1052],{"type":31,"attrs":1053},{"href":1054,"uuid":1055,"anchor":34,"target":35,"linktype":74,"story":1056},"/discover/retirement/401k-rollover","1f0b3350-4e47-4df8-80f0-2d2f7202728a",{"name":1057,"id":1058,"uuid":1055,"slug":1059,"url":1060,"full_slug":1060,"_stopResolving":558},"401(k) rollover",569244794,"401k-rollover","discover/retirement/401k-rollover",{"text":957,"type":22},{"type":18,"content":1063},[1064],{"text":1065,"type":22},"Visual aids, such as infographics and interactive calculators, can help clients understand the impact of their decisions. Advisors should also encourage proactive planning. For example, discussing required minimum distributions (RMDs) early can prevent surprises later. ",{"type":18,"content":1067},[1068],{"text":1069,"type":22,"marks":1070},"Adapting to evolving client expectations",[1071],{"type":38},{"type":18,"content":1073},[1074],{"text":1075,"type":22},"Today's clients expect a blend of traditional and digital services. ",{"type":18,"content":1077},[1078],{"text":1079,"type":22},"Younger investors value mobile app integration, real-time account tracking, and automated recommendations, while older clients may prefer in-person meetings and paper-based statements. ",{"type":18,"content":1081},[1082],{"text":1083,"type":22},"To cater to these diverse preferences, retirement advisors must offer hybrid solutions that balance high-tech efficiency with personal engagement.",{"type":760,"attrs":1085,"content":1086},{"level":762},[1087],{"text":1088,"type":22},"What opportunities do retirement advisors have in 2025?",{"type":18,"content":1090},[1091],{"text":1092,"type":22},"As a retirement planning advisor, you have several opportunities available, including: ",{"type":18,"content":1094},[1095],{"text":1096,"type":22,"marks":1097},"Expanding services to niche markets",[1098],{"type":38},{"type":18,"content":1100},[1101],{"text":1102,"type":22},"Retirement advisors have a unique opportunity to expand their reach by targeting underserved markets. For example, gig economy workers often lack access to employer-sponsored retirement plans. ",{"type":18,"content":1104},[1105],{"text":1106,"type":22},"Creating tailored solutions for these individuals — such as SEP IRAs or solo 401(k)s — can open new revenue streams. ",{"type":18,"content":1108},[1109],{"text":1110,"type":22},"Similarly, small business owners frequently struggle to balance personal savings with business investments, offering another avenue for customized advisory services.",{"type":18,"content":1112},[1113],{"text":1114,"type":22,"marks":1115},"Leveraging technology for growth",[1116],{"type":38},{"type":18,"content":1118},[1119],{"text":1120,"type":22},"Advisors who embrace technology can significantly enhance client outcomes. Predictive analytics tools enable advisors to identify trends, assess risk profiles, and recommend strategies tailored to individual goals. ",{"type":18,"content":1122},[1123],{"text":1124,"type":22},"Additionally, integrating AI into client-facing platforms allows for more dynamic interactions, such as real-time scenario modeling and personalized recommendations.",{"type":18,"content":1126},[1127],{"text":1128,"type":22,"marks":1129},"Continuing professional development",[1130],{"type":38},{"type":18,"content":1132},[1133],{"text":1134,"type":22},"Staying ahead of industry trends is essential, and advisors are often encouraged to pursue certifications in areas such as ESG investing or tax-efficient planning. ",{"type":18,"content":1136},[1137,1139,1151],{"text":1138,"type":22},"Conferences like the NAPA 401(k) Summit provide valuable insights into evolving best practices, while ",{"text":1140,"type":22,"marks":1141},"webinars",[1142],{"type":31,"attrs":1143},{"href":1144,"uuid":1145,"anchor":34,"target":35,"linktype":74,"story":1146},"/pro/discover/business-growth/webinar-lead-generation","bcf80448-00f4-4f9f-a2ec-ea5a5214036c",{"name":1147,"id":1148,"uuid":1145,"slug":1149,"url":1150,"full_slug":1150,"_stopResolving":558},"Webinar lead generation",625313310,"webinar-lead-generation","pro/discover/business-growth/webinar-lead-generation",{"text":1152,"type":22}," and online courses offer accessible ways to enhance skills.",{"type":760,"attrs":1154,"content":1155},{"level":762},[1156],{"text":1157,"type":22},"What are some must-attend events for retirement advisors in 2025?",{"type":18,"content":1159},[1160],{"text":1161,"type":22,"marks":1162},"NAPA 401(k) Summit",[1163],{"type":38},{"type":18,"content":1165},[1166],{"text":1167,"type":22},"April 28–30, 2025",{"type":18,"content":1169},[1170],{"text":1171,"type":22},"Las Vegas, NV",{"type":18,"content":1173},[1174],{"text":1175,"type":22},"This is widely recognized as the leading event specifically for retirement planning advisors. It offers actionable, advisor-driven content and provides insights into business strategies and regulatory updates tailored to retirement planning professionals.",{"type":18,"content":1177},[1178],{"text":1179,"type":22,"marks":1180},"PLANSPONSOR National Conference",[1181],{"type":38},{"type":18,"content":1183},[1184],{"text":1185,"type":22},"June 3–5, 2025",{"type":18,"content":1187},[1188],{"text":1189,"type":22},"Chicago, IL",{"type":18,"content":1191},[1192],{"text":1193,"type":22},"This event gathers plan sponsors, retirement advisors, and consultants to discuss best practices, industry trends, and retirement planning strategies. It is a key opportunity to stay informed and network with industry leaders.",{"type":18,"content":1195},[1196],{"text":1197,"type":22,"marks":1198},"Retirement Plan Advisor Summit Central",[1199],{"type":38},{"type":18,"content":1201},[1202],{"text":1203,"type":22},"March 25–26, 2025",{"type":18,"content":1205},[1206],{"text":1189,"type":22},{"type":18,"content":1208},[1209],{"text":1210,"type":22},"This summit, focused on senior-level retirement plan advisors, provides in-depth discussions on the most pressing issues in retirement planning. It is highly relevant for advisors looking to exchange innovative ideas and practical solutions.",{"type":760,"attrs":1212,"content":1213},{"level":762},[1214],{"text":1215,"type":22},"Work with Unbiased",{"type":18,"content":1217},[1218],{"text":1219,"type":22},"In 2025, the role of a retirement advisor will continue to be shaped by demographic shifts, technological advancements, and regulatory changes. By staying informed and adapting to these trends, advisors can better serve their clients, ensuring financial security and peace of mind in retirement. ",{"type":18,"content":1221},[1222],{"text":1223,"type":22},"Success in the year ahead will depend on embracing innovation, proactively addressing challenges, and seizing emerging opportunities.",{"type":18,"content":1225},[1226,1228,1232],{"text":1227,"type":22},"Grow your firm in 2025 with ",{"text":793,"type":22,"marks":1229},[1230],{"type":31,"attrs":1231},{"href":33,"uuid":34,"anchor":34,"target":35,"linktype":36},{"text":1233,"type":22}," by getting retirement-focused clients delivered straight to your inbox.","article-rich-text",[1236],{"_uid":1237,"image":1238,"title":1243,"subtitle":12,"component":1255,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1239,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1240,"copyright":12,"fieldtype":1241,"meta_data":1242,"is_external_url":543},17449768,"https://a.storyblok.com/f/185166/2812x1874/7f9c23e639/wealth-advisors-for-high-net-worth-families.webp","asset",{},{"type":15,"content":1244},[1245],{"type":18,"content":1246},[1247,1249],{"text":1248,"type":22},"What does 2025 look like ",{"text":1250,"type":22,"marks":1251},"for retirement advisors?",[1252],{"type":25,"attrs":1253},{"class":1254},"primary-gradient","app-hero",{"name":1257,"created_at":1258,"published_at":1259,"updated_at":1260,"id":1261,"uuid":1262,"content":1263,"slug":1272,"full_slug":1273,"sort_by_date":34,"position":1274,"tag_list":1275,"is_startpage":543,"parent_id":1276,"meta_data":34,"group_id":1277,"first_published_at":1278,"release_id":34,"lang":730,"path":34,"alternates":1279,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1264,"_uid":1265,"name":1257,"image":1266,"component":1270,"description":1271},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1267,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1268,"copyright":12,"fieldtype":1241,"meta_data":1269,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1281],{"_uid":1282,"body":1283,"title":12,"component":1284},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[],"app-links-list",{"_uid":1286,"title":746,"plugin":1287,"og_image":12,"og_title":12,"description":1288,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"07e58ce6-21da-42a1-aa54-50582f6631c0","seo_metatags","Discover the trends, challenges, and opportunities for retirement advisors in 2025 and what’s next for the industry.","app-article",[],[],[],"what-does-2025-look-like-for-retirement-advisors","pro/discover/trends-insight/what-does-2025-look-like-for-retirement-advisors",-320,[],247713438,"248843e3-509c-4318-a5a5-c7885d5302ff","2025-01-23T09:58:23.259Z",[],{"left":727,"top":727,"width":1302,"height":1302,"rotate":727,"vFlip":543,"hFlip":543,"body":1303},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1305},"\u003Cpath fill=\"currentColor\" d=\"m216.49 104.49l-80 80a12 12 0 0 1-17 0l-80-80a12 12 0 0 1 17-17L128 159l71.51-71.52a12 12 0 0 1 17 17Z\"/>",[1307,1310,1311],{"title":1308,"exact":558,"href":1309},"Home","https://www.unbiased.com",{"title":596,"exact":558,"to":600,"disabled":543},{"title":746,"exact":558,"to":1312,"disabled":558},"/pro/discover/trends-insight/what-does-2025-look-like-for-retirement-advisors",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1314},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777454717826]