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Americans face rising costs and uncertainty in retirement planning

A 2026 survey found 72% of employees are off track for retirement, up from 68% in 2025.

Reported · Written up by our desk · Residential

New surveys from NFP and Thrivent suggest many Americans trust employer-provided financial advisors, but still doubt they can retire comfortably as costs rise and uncertainty builds.

According to HousingWire, 89% of employees say they trust financial advisors offered through their employer, yet 69% are unsure they can retire comfortably. The findings also indicate that 84% would consider working with an advisor if given the opportunity, with one-on-one meetings cited as the most helpful planning resource.

HousingWire reports that financial pressures are delaying retirement savings for 46% of workers, with respondents pointing to housing, healthcare, and other expenses taking priority. It also said the share of employees who are off track increased to 72% in 2026 from 68% in 2025.

The surveys found that 24% of respondents say they do not have enough money to invest and another 24% question the value of working with an advisor, while 20% worry about fees and 19% are unsure how advisors could help. HousingWire added that nearly half of non-retirees expect AI-driven job changes to negatively affect retirement, with younger generations expressing the most concern.

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