Curated News
By: NewsRamp Editorial Staff
December 05, 2025
Boldin Survey: Year-End Planning Boosts Financial Confidence for Savvy Americans
TLDR
- Boldin's survey reveals that high-net-worth individuals who use their planning tools gain confidence and maintain wealth, offering a strategic advantage for financial decision-making.
- Boldin's survey shows 92% of users increase confidence through regular financial check-ins and end-of-year planning, which includes tax optimization and goal-setting for systematic wealth management.
- Boldin's tools democratize financial planning, empowering individuals to build confidence and secure their futures, fostering greater financial well-being and independence across diverse populations.
- Boldin's survey found that 99% of financially savvy Americans engage in end-of-year planning, with 40% optimizing taxes and 39% completing Roth conversions for smarter wealth growth.
Impact - Why it Matters
This news matters because it highlights practical strategies for financial well-being that anyone can adopt, not just high-net-worth individuals. The survey reveals that consistent, thoughtful planning—especially at year-end—significantly increases confidence and informs better decision-making, which is crucial in today's uncertain economic climate. For readers, this underscores the importance of proactive financial management, whether through tools like Boldin or personal habits, to reduce stress, optimize taxes, and secure long-term stability. It democratizes financial advice by showing that self-directed planning, supported by accessible resources, can lead to tangible benefits like wealth preservation and informed retirement choices, impacting personal financial health and broader economic resilience.
Summary
Boldin, the financial confidence company, has released compelling insights from its year-end financial planning survey, revealing how financially savvy Americans approach their finances. The company polled over 1,000 individuals who manage their own financial plans using Boldin's platform, with respondents evenly split between retirees (51%) and those planning for retirement (49%). Notably, 70% are high-net-worth individuals with assets between $1 million and $5 million, and most anticipate maintaining or increasing their wealth over time, suggesting their strategies are worth emulating. The survey highlights that regular financial check-ins—with 27% reviewing weekly and 92% agreeing that annual reflection boosts confidence—are crucial for building financial security.
The findings show that 99% of respondents engage in end-of-year planning, with 34% taking a strategic, long-term approach and 54% using a balanced mix of tactics and strategy. Key activities include reflecting on past financial performance (60%), reviewing spending and income (62%), and setting goals for the upcoming year, such as planning healthcare coverage (50%). Additionally, many take actionable steps like optimizing tax liability (40%), completing Roth conversions (39%), and making charitable contributions (24%). The primary motivation for this planning is confidence, with 79% citing it as their main driver, followed by reducing tax burdens (50%) and building wealth (43%). Steve Chen, founder and CEO of Boldin, emphasizes that planning is about feeling informed and confident, not just optimizing performance.
Boldin's Retirement Planning software empowers users to build and manage their own retirement plans with tools for taxes, retirement income modeling, and Monte Carlo analysis, allowing for "what-if" scenarios and strategic decision-making. The platform, which includes in-app chat, classes, and access to coaches and Certified Financial Planner® professionals, has been used by tens of thousands to gain financial confidence. Recognized as Bankrate's Best Financial Planning Software of 2025, Boldin offers a 14-day free trial and resources like online classes and Boldin Advisors for personalized advice. With over 450,000 users to date, the company is democratizing access to high-quality financial planning, helping individuals take control of their financial futures.
Source Statement
This curated news summary relied on content disributed by Reportable. Read the original source here, Boldin Survey: Year-End Planning Boosts Financial Confidence for Savvy Americans
