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A recent study by financial behemoth Prudential Insurance Co., “The African-American Financial Experience” reveals that African Americans are a strong and growing market for financial firms but also identifies impediments to African American wealth creation. We are an important, powerful, and integral part of the American landscape, comprising an influential and growing population that tends to be younger than the general market with a rapidly emerging middle class and affluent segment, according to Charles Lowrey, Prudential Executive Vice President and Chief Operating Officer. Counter-balancing the generally positive outlook for African-American financial success are significant self-imposed impediments to wealth creation. Understanding the financial concerns and aspirations of the our community is key for any financial professional looking to build upon these strengths.
First the Good News
One of the study’s primary findings is that Black wealth and income are both improving as a group. Affluence, Education, and Homeownership rates have all increased vis-a-vis previous generations. The majority of respondents, 58%, were considered “Emerging Affluent” (a term which I really love) with annual incomes over $50,000. Moreover, when compared to the general population, blacks express more confidence in the nation’s economic prospects, a key indicator of an individual’s willingness to spend and or invest. While only 37% of the general population thinks the economy will improve any time soon, according to a USA Today/Gallup Poll released in September, nearly twice as many African Americans, 62%, believe the economy will recover within the next two years.
The study also found that the goals of African American clients resemble goals held by the general population at large. This supports the real-life experience of professionals in the field. In an article appearing in lifehealthpro.com Lazetta Rainey Braxton, CFP, founder of advisory firm Financial Fountains in Chicago, says that her black clients are mostly concerned about:
• Ensuring their estate planning documents reflect their wishes
• Maintaining tax efficiency with their financial accounts
• Properly allocating their investments and align those investments with their lifestyles
• Understanding Medicare and long-term care coverage
• Balancing their financial needs with the needs of their children and grandchildren
The Prudential study found that survey respondents rated “educating children about debt avoidance, providing college tuition, and passing money on to heirs as very important, significantly more often than did the general population.” Additionally, the study found that “African-Americans are significantly more likely than the general population to cite charitable donations as an important financial goal” according to Rhode Island financial planner Ed McCarthy CFP in a recent article appearing on lifehealthpro.com.
Individuals and SMBs (Small/Medium Businesses) attending to the Banking Casework Industry to advice them advance in their bread-and-butter futures. Managing funds and authoritative budgetary accident are what these banking professionals do, yet administration your advice with a banking specialist has an bulk of accident itself.
What types of advice are shared? If accounts are opened or transferred as an alone or SMB, claimed anecdotic advice is accordingly transmitted amid you and your banking casework adumbrative (and sometimes their abutment staff). This advice includes and is not bound to:
* Name
* Address
* Social Aegis Number
* Annual Numbers (e.g. if accomplishing a rollover or appointment banks or acclaim cards)
* Date of Birth
* Employment History and Income
* Current Assets and Portfolio information
Much of this advice is done in being or online via a anchored website, but generally SMBs and alone audience attending to their brokers, annual assembly and chump account cadre to acknowledgment specific questions to their accounts. Added and more, these advice affairs yield abode electronically.
How can applicant advice be at accident if the paperwork is taken affliction of cautiously in being or via a anchored web process? Claimed banking advice (PFI) can be compromised as a one-on-one accord with your banking casework able grows and builds. Sometimes abutting with a banking casework close is done on the phone, added times via email. It’s the aegis of email advice amid applicant and firm/organization area your PFI is put at risk.
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