There are two types of investors in the world, those that use an advisor and those that don’t. Understanding how these investors make decisions and behave is key to determining if they
can be converted into a client.

Nearly every person is influenced in some way by their cultural heritage and background, and that influence can certainly carry over into matters related to personal finance and economics. This Spectrem Perspective takes steps toward understanding the influences.

Gen X Investors: The Pressure is On examines the decisions Gen X investors make regarding investments as well as their communication preferences with advisors.

Spectrem's annual trust report reviews the growth of the trust industry, the growth and usage of collective investment funds as well as assets managed by institutional trustees.  New this year - wealth management services.

The Insurance Gap: Why the Wealthy are Underinsured discusses the amount of property and casualty insurance, as well as excess liability coverage, held by wealthy households.  It highlights for financial advisors of all types the need to ensure that wealthy households truly understand the risks to their overall financial health for failure to properly insure.

What’s next for Millennials? As this generation ages, their financial attitudes and behaviors will shape investing and economics for decades to come, so understanding the forces which influence their decisions benefits professionals who work with this new set of investors.

Defining Financial Planning examines how investors define financial planning and provides advisors and providers with an awareness of client expectations regarding what is to be included in a financial plan.   

Parenting and Financial Issues examines how becoming a parent impacts financial decisions and attitudes.

The second edition in Spectrem’s Legacy series will focus on affluent Baby Boomers planning their own wealth transfer and the mindset they had upon receiving an inheritance from their parents or others earlier in their life.

Communicating with Advisors and Providers examines the mechanics of investor-advisor communication.