Wealth Management Strategies for the American Retirement Market

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Are wealth managers prepared to help clients transition to retirement?

Traditionally, wealth management (WM) firms have focused on wealth accumulation and growth for clients. Firms claim they are personalizing services and offerings for retirees. However, they may not be serving some segments that most need to manage post-retirement spending efficiently.

Demand is high in the United States – not only from high-net worth individuals (HNWIs) but also from low net worth, mass affluent, and affluent segments. Everyone needs to determine a comfortable monthly retirement income level based on all income sources.

In this white paper, Capgemini Financial Services and Income Discovery explore how the most strategic firms are shifting focus from wealth accumulation to decumulation. It highlights how wealth managers can guide American retirees about safe spending while optimizing their cash flow across all income sources tax efficiently.  Future-focused firms will need to leverage a new capability – Unified Managed Income (UMI) – an in-plan managed account that offers personalized, holistic strategy for inflation-adjusted retirement income.


File size: 1.82 MB File type: PDF

Kees Jacobs

Expert in Consumer Products and Retail

James Robey

James is the Global Head of Corporate Sustainability at Capgemini. He manages sustainability risks and drives our program to reduce environmental impacts in our most material areas.

Benjamin Alleau

Expert in Business Technology

Geert van der Linden

Expert in Cybersecurity Consulting, Service Offerings, Strategy.

Arthur Arrighi de Casanova

Expert in Net-zero climate strategy, New business models, Energy Transition, Renewable energy

Nora Preisker

Expertin für Enterprise Transformation

Sebastian Tschödrich

Experte in Automotive Digital Customer Experience

Shobha Meera

Chief Corporate Social Responsibility Officer

Vinod Balakrishnan

Expert in Product and Engineering Services.