{"id":4053,"date":"2025-08-04T10:40:54","date_gmt":"2025-08-04T09:40:54","guid":{"rendered":"https:\/\/jigsaw-research.strat7.com\/?p=4053"},"modified":"2025-08-04T16:23:28","modified_gmt":"2025-08-04T15:23:28","slug":"bridging-the-financial-advice-gap","status":"publish","type":"post","link":"https:\/\/jigsaw-research.strat7.com\/us\/blog\/bridging-the-financial-advice-gap\/","title":{"rendered":"Bridging the financial advice gap"},"content":{"rendered":"

There\u2019s a growing gap in the world of financial advice\u2014one that\u2019s leaving Gen Z without the guidance they need to make confident, informed financial decisions.<\/p>\n\n\n\n

Today\u2019s young adults are facing a very different financial reality than their parents did.<\/strong><\/h3>\n\n\n\n

Skyrocketing housing costs, heavy student debt, a tough job market, and little expectation of inheritance (thanks to rising later life care costs) are just a few of the challenges Gen Z is up against. It\u2019s no wonder 73% of Gen Z describe their generation as anxious, compared to just 25% of Gen X who said the same about theirs. And only 49% of Gen Z consider their generation successful, versus 60% of Gen X.<\/p>\n\n\n\n

Traditional financial advice doesn\u2019t always land.<\/strong><\/h3>\n\n\n\n

Traditional financial advice that may have worked for their parents \u2014such as \u201cbuy a home in your 20s\u201d or \u201csave 10% of your income\u201d\u2014often feels out of touch with today\u2019s economic reality. In fact, 44% of Gen Z agree that their parents\u2019 financial strategies are outdated. And when advice doesn\u2019t reflect lived experience, it can be more discouraging than helpful\u2014setting unrealistic expectations or pushing people toward decisions that don\u2019t actually make sense for them.<\/p>\n\n\n\n

Left to figure it out alone<\/strong><\/h3>\n\n\n\n

With few options that feel relevant, affordable, or trustworthy, many young people are piecing together financial guidance from a mix of sources. Some of it\u2019s useful, but a lot is oversimplified\u2014or just plain wrong. The result? Confusion, mistrust, and common missteps.<\/p>\n\n\n\n

This isn\u2019t just anecdotal\u2014our research confirms that more than half of younger generations are worried about their finances (58% of Gen Z and 59% of Millennials) and find learning about their finances overwhelming (55% of Gen X and 57% of Millennials). The main barriers are cost, lack of trust, and the perception that financial services are tailored to older, wealthier individuals. In short, Gen Z often feels like financial advice simply isn\u2019t built for them.<\/p>\n\n\n\n

How Financial Services providers can close the gap<\/strong><\/h3>\n\n\n\n

To serve this generation effectively, financial institutions need to shift their mindset\u2014and their approach. Here\u2019s how they can start:<\/p>\n\n\n\n

    \n
  1. Design products for today\u2019s realities<\/strong>
    Offer tools and services that reflect the challenges young adults face, such as flexible savings options, affordable, accessible and transparent investing platforms, debt support, and innovative paths to homeownership like fractional investing.<\/li>\n\n\n\n
  2. Make advice accessible and relatable<\/strong>
    Meet young people where they are\u2014on the platforms they already use. Think short-form videos, gamified budgeting apps, and interactive content that explains complex ideas in simple, engaging ways\u2014but don\u2019t forget offline channels, too!<\/li>\n\n\n\n
  3. Combine technology with human support<\/strong>
    Use AI and chatbots for quick, routine questions, but provide real<\/em> human guidance for more complex or emotional decisions. A hybrid approach offers the best of both worlds.<\/li>\n\n\n\n
  4. Shift the conversation around wealth-building<\/strong>
    For many, starting from scratch is the norm. Financial advice should acknowledge that reality and focus on building financial resilience and opportunity without assuming family wealth or financial safety nets.<\/li>\n<\/ol>\n\n\n\n

    A critical moment for the industry<\/strong><\/h3>\n\n\n\n

    Financial services providers are at a crossroads. They can continue to focus on legacy clients with traditional models\u2014or they can evolve to meet the needs of a new generation navigating a far more uncertain world.<\/p>\n\n\n\n

    Helping Gen Z isn\u2019t just smart business\u2014it\u2019s essential for building long-term trust and a more inclusive financial system. Because if the rules have changed, the advice must change too.<\/p>\n\n\n\n

    Statistics taken from our Boomers to Zoomers eBook \u2013 click here<\/a><\/strong> to download the full report or if you would like to hear more in person, contact Ali <\/a>or Tara<\/a>.<\/p>\n\n\n\n

    Ali Pugh\/Tara Bonello du Puis, August 25<\/p>\n\n\n\n

    <\/p>","protected":false},"excerpt":{"rendered":"

    There\u2019s a growing gap in the world of financial advice\u2014one that\u2019s leaving Gen Z without the guidance they need to make confident, informed financial decisions. Today\u2019s young adults are facing a very different financial reality than their parents did. Skyrocketing housing costs, heavy student debt, a tough job market, and little expectation of inheritance (thanks […]<\/p>\n","protected":false},"author":2,"featured_media":4055,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[3],"tags":[76,21,49,47,52,38,37],"class_list":["post-4053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-financial-advice","tag-financial-services","tag-genz","tag-insights","tag-market-research","tag-qualitative","tag-quantitative"],"acf":[],"yoast_head":"\nBridging the financial advice gap - Jigsaw Research<\/title>\n<meta name=\"description\" content=\"There\u2019s a growing gap in the world of financial advice\u2014one that\u2019s leaving Gen Z without the guidance they need to make confident, informed financial decisions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jigsaw-research.strat7.com\/us\/blog\/bridging-the-financial-advice-gap\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bridging the financial advice gap - 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