In a sign that the K-shaped economy is impacting financial planning clients, CFP® professionals report clients feel both cautious (53%) and optimistic (36%) about year ahead
WASHINGTON, December 04, 2025–(BUSINESS WIRE)–Americans working with CFP® professionals are approaching 2026 with cautious optimism and strong confidence in achieving their financial goals, even as uncertainty dominates financial planning conversations, according to CFP Board’s 2026 CFP® Professionals Financial Outlook Survey.
The political environment has emerged as the primary concern clients are raising with their advisors. Half of CFP® professionals report clients mention it in relation to reaching their financial goals — surpassing concerns such as inflation and prices (39%), the national economy (34%) and market stability (34%).
Still, the survey finds that half (49%) of clients have a positive outlook for the year ahead. Confidence in their financial plans is high, with 80% expecting to achieve long-term goals and 72% expecting to reach short-term goals.
“When uncertainty grows, the value of professional financial planning becomes even more clear,” said CFP Board CEO Kevin R. Keller, CAE. “CFP® professionals provide the strategic direction that helps clients maintain confidence and stay focused on their long-term objectives, even when circumstances feel unpredictable.”
Complex Emotions, Clear Confidence
Client emotions about 2026 reflect the complexity of the moment. While 36% feel optimistic and 24% feel confident, many describe themselves as cautious (53%), uncertain (43%) or anxious (36%).
Regardless of their individual outlook, clients are taking action. Nearly half (48%) of CFP® professionals say their clients are more likely to increase investment levels in 2026, while many are also planning home repairs or renovations (40%), vacations (35%) or retirement (39%).
“The current landscape calls for proactive financial planning that addresses both immediate concerns and long-term objectives,” said Kevin Roth, Ph.D., Managing Director of Research at CFP Board. “CFP® professionals are helping clients separate sound financial strategy from emotional reactions to political headlines, guiding them to make decisions based on personal goals rather than external noise.”
Tax Optimization and Comprehensive Planning Top 2026 Recommendations
CFP® professionals are focusing 2026 planning conversations on retirement planning (67%), tax planning (58%), investment planning (51%), estate planning and wealth transfer (44%), and health-care costs (30%).