PEAK 35TM: Millennials and managing wealth

Optimizing wealth strategies for a generation balancing growth, protection, and the stewardship of inherited assets

Explore PEAK 35™ findings on millennial wealth builders and inheritors, and how advisors can build trust through personalized guidance.

This article will...

  • Explore PEAK 35™ and how millennials’ growing wealth creates a unique opportunity for financial advisors.
  • Look at key Millennial segments—Wealth builders, wealth inheritors and wealth management for women.
  • Show how values alignment, transparency, and hybrid advisory models can help build trust and confidence.

At PEAK 35™, equal numbers of Americans are turning 35 and 65 - a shift reshaping financial planning and creating new opportunities in millennials and wealth management. This infographic highlights two emerging investor groups, wealth builders and wealth inheritors, whose evolving needs and expectations are redefining how advisors engage, plan and deliver guidance. As the Great Wealth Transfer unfolds, these investors are poised to benefit from significant inheritance wealth, making personalized advice and proactive planning more important than ever.

Despite this rapid growth, there are important differences within the millennial generation. Their financial circumstances, priorities and sources of wealth often require distinct approaches to relationship-building and advice. Effective financial planning for millennials means understanding their unique needs, then tailoring strategies to support their goals and aspirations.

Find out in our study, PEAK 35™: Guiding a New Generation of Wealth, how to incorporate actionable financial planning strategies that can help to attract and retain millennial clients through values-based advice, transparent communications and hybrid advisory approaches, and also address the growing importance of women and wealth management in an era of unprecedented wealth transfer.

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As millennials build wealth, inherit assets and take on greater financial decision-making responsibilities, advisors have a unique opportunity to deepen relationships and demonstrate value. Understanding the perspectives, priorities and expectations of this generation can help position advisors for growth as The Great Wealth Transfer continues to unfold.

Download the full whitepaper to explore all the insights

Source: PEAK 35TM: Millennials and Managing Wealth Study, Equitable Holdings Inc., 2025. ​

1 Very likely/Somewhat likely​
2 Strongly agree; Very prepared​
3 Very important/Moderately important/Somewhat important​

Disclosures:

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and backed solely by their claims-paying obligations. 

IMPORTANT

For purposes of the discussion, advisor is used as general term to describe insurance/annuity, investment sales, and advisory professionals who may hold licensing as insurance agents, registrations with broker-dealers, and registrations as investment advisory representatives (IAR) of registered investment advisors, respectively. Advisor in this context is not intended to necessarily refer to IAR offered fee-based financial advisory/planning services.

©2026 Equitable Holdings, Inc. All rights reserved. 

GE-8277648.2 (10/2026) (Exp. 10/2030)