Two years ago, the onset of the pandemic brought profound disruption and a necessary pivot toward navigating the unknown. That ongoing experience, however, has now resulted in a coalescing of new, sharpened perspectives on values, family, health, careers — and the greater meaning of wealth.

Reinventing Retirement

U.S. adults are retiring earlier, with

3.5 million Americans

aged 55 and older entering the ranks of retirees over the last 2 years.

Source: Pew Research Center, 2021

But the pandemic is changing the way we think about retirement, with more people finding fulfillment in a second chapter or direct investment venture. For those interested in pursuing direct investing opportunities, it will be critical to appropriately structure your investment to best meet your personal and family objectives.

Creating Value from Values

Investors are increasingly interested in aligning their portfolios with their values, but continue to face challenges with doing so effectively and understanding the impact of their investment. A clear definition of what impact means to you and a process for measuring that impact will help ensure you meet your objectives.

Appetite for ESG investments has risen sharply

Morningstar. Based on the monthly ESG flows of all US open-end and ETF funds (ex MM, ex-FofF, ex VA), generated Dec. 6, 2021.

Planning for Tax Uncertainty

On November 19, the House of Representatives passed the Build Back Better Act. While the bill faces an uncertain future in the Senate, it proposes several new taxes including:

The underlying uncertainty stresses the need to build flexible plans that can adapt to changing circumstances. Indeed, regardless of the current potential changes to tax law, history shows that they, too, are likely to fluctuate as economic and political environments shift.

Protecting Digital Assets

20 million U.S. adults

plan to purchase cryptocurrency in the next 12 months, almost doubling the current crypto investor population.

Gemini, 2021 State of U.S. Crypto Report.

The proliferation of cryptocurrency and digital accounts increases the need for thoughtful estate planning. Take steps to ensure your executors and loved ones have access to the information they need, as well as the assets themselves.

Preparing for Disability

46% of parents

reported that their teenage child had developed a new or worsening mental health condition since the pandemic began.

Source: C. S. Mott Children’s Hospital, 2021

Mental illness was on the rise prior to the pandemic, and the uncertainty associated with mental health and disability can have very real implications for your financial planning. Revisit your estate plan to ensure it fully contemplates the complexity of these conditions.


Register to read the full report which distills these forward-looking trends into actionable wealth advice.