Allianz Center for the Future of Retirement™

Addressing the complex challenges of retirement planning requires innovative thinking, grounded in data. The new Allianz Center for the Future of Retirement™, part of Allianz, produces actionable insights and signature research to help financial professionals prepare for the future. 

The Allianz Center for the Future of Retirement™ draws on more than 125 years of experience in risk management at Allianz and our history of innovation in annuities, life insurance, and ETFs (offered through Allianz Investment Management LLC). We provide insights to support financial professionals and their clients.

How well do Americans understand Social Security?

Many Americans have misconceptions about how Social Security works and the role it plays in a retirement strategy. In fact, the majority of Americans say they don’t know much about Social Security or how it will fit into their retirement strategy. This knowledge gap is an opportunity to help Americans use the benefit effectively in retirement.

Strong interest in lifetime income solutions in employer plans

Most defined contribution plan participants worry they will run out of money from their employer-sponsored plan during retirement and have strong interest in adding guaranteed lifetime income solutions into their plans, such as annuities. Participants favor product designs that offer stability, risk management, growth potential, and protection against market downturns.

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Risk management in practice

We share how financial professionals can help address their clients’ biggest problems with our deep understanding of the market and risk management.

Divorced clients can get spousal Social Security benefits

If divorce has affected your client’s retirement plan, claiming a spousal benefit could offer them greater Social Security income during retirement.

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Why Americans may not retire when they think – and it might not be their choice

Retiring earlier than planned presents risk by potentially depleting a client’s assets prematurely.

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5 reasons for financial professionals to call their clients right now

Feeling financially confident has become increasingly challenging for Americans, and many could benefit from the advice of a financial professional.

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How to help clients balance debt and retirement savings

Conversation starters that can help mitigate the risk that debt can pose to their financial future.

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In the media

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How Americans feel about financial risks

Consumer feelings about retirement and the economy are constantly changing. To help financial professionals better understand their clients’ needs, we conduct ongoing consumer insight research.

Fact check: Americans' understanding of Social Security benefits (PDF)

Nearly nine in 10 Americans over age 65 receive Social Security benefits, yet many still have misconceptions about how the program works and the role it plays in a retirement plan.

How Americans feel about retirement in 2025 (PDF)

Retirement confidence is slipping. The 2025 Annual Retirement Study revealed growing concern about inflation, market volatility, and the risk of outliving savings.

Driving improved financial security for Black Americans (PDF)

Black and African American clients are striving to build lasting financial security. While they are optimistic about their future, many are unsure how to get there.

Driving improved financial security for Asian Americans (PDF)

Asian and Asian American clients are often focusing on family, tradition, and purposeful living. Concerns about retirement readiness, rising costs, and financial security show a need for tailored guidance.

Driving improved financial security for Hispanic Americans (PDF)

Many Hispanic Americans are hopeful about their financial future. Yet, while balancing multiple financial priorities, few have a roadmap to get there.

Debt and retirement: Helping your clients strike a balance to prepare for their financial future (PDF)

Study found that Americans are carrying more debt than ever, and many are holding onto it later in life.
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Market and economic insights

The market environment affects how financial professionals create retirement strategies. Our investment professionals within Allianz Investment Management LLC1 use their deep understanding of the economy to share market commentary every quarter to aid in conversations about long-term strategy.

2025 Q4 Market Outlook: The independent view on rate cuts

2025 3Q Outlook: A wider range of outcomes

2025 2Q Outlook: a “Tariffed” Market
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Insights from our industry partners

2025 Insurance Barometer Study

This annual research study, conducted jointly by LIMRA and Life Happens, finds that a lack of knowledge may be contributing to a coverage gap among young consumers.

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Learn about Allianz

We are a leading provider of financial and retirement solutions with more than a century-long tradition of keeping our promises. Those appointed with Allianz will have access to a suite of retirement risk management products that can help your clients achieve their retirement goals.

1 Allianz Investment Management LLC (AllianzIM) is a registered investment adviser and a wholly owned subsidiary of Allianz Life Insurance Company of North America.

This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Allianz Life Insurance Company of North America (Allianz), its affiliated companies, and their representatives and employees do not give fiduciary, tax, or legal advice or advice related to Social Security or Medicare. Clients are encouraged to consult their tax advisor or attorney, or Social Security Administration (SSA) office, for their particular situation.

Allianz Life Insurance Company of North America (Allianz), Allianz Investment Management LLC (AIM LLC) and Allianz Life Financial Services, LLC are affiliated companies.

AllianzIM ETFs are distributed by Foreside Fund Services, LLC. Allianz Investment Management LLC and Allianz Life Insurance Company of North America are affiliated companies and part of Allianz Group, and are not affiliated with Foreside Fund Services, LLC.

Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Registered index-linked annuity guarantees do not apply to the performance of the variable subaccount(s), which will fluctuate with market conditions.

Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.com

This content does not apply in the state of New York.