Expensive Today, Elusive Tomorrow: A Survey About Affordability and the 2026 Election

Many factors shape Americans’ financial confidence. Consumers worry about the health of their savings, investments and overall financial plans, while also affected by external factors such as the cost of living, economic conditions and government policies. Ongoing issues like inflation, including sharp increases in gas prices due to conflicts in the Middle East, can heighten anxiety. Economic pressures are always an important issue for Americans, but in election years, it is an issue that is particularly salient.

CFP® professionals report that elevated costs and affordability concerns continue to weigh on clients. Many Americans speak about rising costs, and inflation weighs heavily in national surveys of consumer sentiment. Affordability concerns have made it increasingly difficult for young people to manage on their own and have diminished their ability to achieve their goals and aspirations, such as becoming financially independent, purchasing a home and starting a family.

During volatile periods, many consumers seek guidance and reassurance from their financial advisors. A CERTIFIED FINANCIAL PLANNER® professional plays a key role in helping clients stay calm amid short-term market noise, recognizing that economic pressures are inevitable. Their personalized approach always considers costs and affordability, ensuring clients’ financial plans remain resilient under stress. This helps clients stay focused on their long-term goals.

CFP Board’s Research team sought to gain insight into how cost and affordability concerns are shaping CFP® professionals’ client sentiment and decision-making, and how CFP® professionals are supporting their clients today and into the future.

View Infographic of Report Highlights

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