Retirement

$84 trillion will pass from Baby Boomers to their heirs in the coming decades — the largest intergenerational wealth transfer in history. For most White families, it will compound generational advantage. JBI examines the retirement savings gap, the estate planning crisis, and the structural forces that determine who benefits from the Great Wealth Transfer.

19%

of Black Americans have an estate plan — vs. 39% of White Americans — causing wealth to be lost at the moment of transfer
JBI 2050 Survey, 2025

32%

of Hispanic Boomers have an estate plan — the generation actively transferring wealth now — vs. 66% of White Boomers
JBI 2050 Survey, 2025
 

62%

of Black Millennials have an employer-sponsored retirement account — vs. 73% of White Millennials
JBI 2050 Survey, 2025
 

51%

of Black Gen Z who aspire to build intergenerational wealth feel they will never achieve it
JBI 2050 Survey, 2025
 

JBI Research & the 2050 Survey

Key Figures

CALL TO ACTION HERE