\n\u201cRetirement plans are designed to withstand market dips, inflation and rising healthcare costs. What catches people off guard is money moving out of their own household to address other areas such as a child’s rent, a parent\u2019s care or a sibling\u2019s emergency,\u201d said Glen Franklin, Assistant Vice President of Research, RIA and Lead Generation Strategy for Jackson National Life Distributors LLC (JNLD), the marketing and distribution business of Jackson. \u201cOur research shows these commitments are not necessarily one-time events, but rather an ongoing practice. Once a client\u2019s family support becomes a recurring obligation rather than a surprise, it belongs directly in the financial plan next to the mortgage and the car payment, not off to the side.\u201d<\/p>\n
\nKey findings from the research include:<\/p>\n
Helping family is common, substantial and tends to repeat:<\/b><\/p>\n Family support is associated with a meaningful gap in retirement savings:<\/b><\/p>\n Gen X is carrying the heaviest load:<\/b><\/p>\n Few financial plans account for it:<\/b><\/p>\n \nAndrew Eschtruth, director of the Center for Retirement Research at Boston College commented that \u201cIn addition to boosting awareness of family needs for financial support, it\u2019s equally important to help investors plan ahead for how to handle them \u2013 so they don\u2019t end up compromising their own retirement security.\u201d<\/p>\n \nFranklin added, \u201cGen X investors face a collision of financial pressures that other generations have not experienced in quite the same way. They are still building toward retirement while supporting family members on multiple fronts and doing so in ways that can quietly undermine that progress. Using a retirement account or a credit card to help a loved one does not feel like a retirement risk in the moment. But compounded over time, it becomes one. Our goal is to give financial professionals the research they need to have these conversations proactively, so that family risk is part of the retirement plan \u2014 not an afterthought to it.\u201d<\/p>\n About the Study & Security in Retirement Series<\/strong><\/p>\n \nThe research, fielded between March 24-31, 2026, included online surveys of more than 1,000 investors between the ages of 45 to 80 \u2013 of those, this analysis included 819 respondents with investable assets between $100,000 and $2.5 million. An additional online survey of 400 financial professionals was conducted between April 29 and May 11, 2026, with respondents being client-facing financial professionals with at least 75 clients.<\/p>\n \nJackson\u2019s Security in Retirement Series is a multi-phase research initiative in partnership with the Center for Retirement Research at Boston College designed to provide actionable insights on key risks to retirement security. Previous studies have explored longevity risk<\/a>, inflation risk<\/a>, healthcare risk<\/a>, market risk<\/a> and policy risk<\/a>.<\/p>\n \nTo access the full report and additional resources from Jackson\u2019s Security in Retirement Series,as well as other proprietary research materials developed by Jackson on topics that impact the saving and spending habits of Americans, visit www.jackson.com\/researchcenter<\/a>.<\/p>\n ABOUT JACKSON<\/b><\/p>\n \nJackson\u00ae (NYSE: JXN) is committed to helping clarify the complexity of retirement planning\u2014for financial professionals and their clients. Through our range of annuity products, financial know-how, history of award-winning service* and streamlined experiences, we strive to reduce the confusion that complicates retirement planning. We take a balanced, long-term approach to responsibly serving all our stakeholders, including customers, shareholders, distribution partners, employees, regulators and community partners. We believe by providing clarity for all today, we can help drive better outcomes for tomorrow. For more information, visit www.jackson.com<\/a>.<\/p>\n *SQM (Service Quality Measurement Group) Call Center Awards Program for 2004 and 2006-2025. (Criteria used for Call Center World Class FCR Certification is 80% or higher of customers getting their contact resolved on the first call to the call center (FCR) for three consecutive months or more.)<\/i><\/p>\n \nJackson\u00ae is the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company\u00ae (Home Office: Lansing, Michigan) and Jackson National Life Insurance Company of New York\u00ae (Home Office: Purchase, New York).<\/p>\n Jackson, its distributors, and their respective representatives do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Tax laws are complicated and subject to change. Tax results may depend on each taxpayer\u2019s individual set of facts and circumstances. You should rely on your own independent advisors as to any tax, accounting, or legal statements made herein.<\/b><\/p>\n \nThis material should be considered educational in nature and does not take into account your particular investment objectives, financial situations, or needs, and is not intended as a recommendation, offer, or solicitation for the purchase or sale of any product, security, or investment strategy.<\/p>\n \nAnnuities are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states, and state variations may apply. These products have limitations and restrictions. Discuss them with your financial professional or contact the Company for more information.<\/p>\n \nJackson\u00ae is committed to ensuring more Americans in or nearing retirement can benefit from greater clarity and confidence in their financial futures. To better support this important goal, we have partnered with leading academic experts at the Center for Retirement Research at Boston College to launch the Jackson Security in Retirement Series. This multiphase research effort will take a comprehensive look at a range of potential threats to financial security with the goal of helping financial professionals and retirement savers more effectively identify and manage them. Jackson is not affiliated with the Center for Retirement Research at Boston College.<\/p>\n\n
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