08.25.25

Advisors Face New Challenge: Helping Clients Navigate ‘Gray Divorce’

by: Ayo Mseka

The 2025 Allianz Annual Retirement Study highlights the rising trend of “gray divorce” after retirement and its financial risks. While overall divorce rates declined, divorce among adults 65+ is increasing. Over half (56%) of married Americans said a divorce would derail their retirement strategy, with Hispanic respondents (67%) most likely to express concern. Unlike younger adults, older couples lack time to rebuild savings, and dividing assets can strain retirement funds. Forty percent of divorced Americans said their retirement plans were derailed, and many report higher financial stress. Advisors are urged to employ risk-management strategies, such as annuities.

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