Key Wealth poll shows 64% of mass affluent Americans reshape finances around unconfirmed inheritance expectations
KEY•Women showed a larger planning gap
Women showed a larger planning gap: 41% discussed inheritance with an advisor versus 54% of men; only 17% built it into long-term plans.
KeyCorp poll findings on inheritance expectations
KeyCorp analysis found 64% of mass affluent inheritors changed financial decisions based on expected inheritances they have not confirmed.
- 36% saved or invested at least $100,000 less due to inheritance expectations.
- 40% reduced retirement saving.
- 36% took more investment risk.
- Only 34% based inheritance expectations on a direct family conversation with specifics on amounts, timing, or conditions.
- 61% rated their plans “very prepared” without an inheritance, yet 25% would work significantly longer if it failed to materialize.
