Cerulli Estimates that US Retail Financial Assets Broke above $100 Trillion in 2025
- 5 days ago
- 1 min read
Cerulli Associates. (2026). U.S. Retail Investor Solutions 2026. Cerulli Associates.
U.S. households control more than $102 trillion in financial assets as of year-end 2025, representing a 12% increase compared to 2024.
Middle-market and mass-affluent households with assets between $100,000 and $2 million have grown their total wealth from $14 trillion to $25 trillion since 2013.
This segment comprises 46.9 million households that are typically younger and less advised than their ultra-high-net-worth counterparts.
Growth in this market will benefit providers that can effectively offer streamlined advisory services at scale to meet the demand for involved relationships.
Service providers must engage prospects earlier in their lifecycle or develop more effective strategies to displace incumbent advisors.
Knote: Cerulli also estimates that the $100,000 to $2,000,000 segment rose to $25 Trillion and 47 million households. I'm calling that out because it should be of interest to growth-minded advisors as these prospects are more "gettable" than more established households. They note a stat I have not seen before and like: new client engagement drops from 44% for those under 30 to 24% for those over 50.