• KeyCorp analysis found 64% of mass affluent inheritors changed financial decisions based on expected inheritances they have not confirmed.
• 36% saved or invested at least $100,000 less due to inheritance expectations; 40% reduced retirement saving, 36% took more investment risk.
• Only 34% based inheritance expectations on a direct family conversation with specifics on amounts, timing, or conditions.
• 61% rated their plans “very prepared” without an inheritance, yet 25% would work significantly longer if it failed to materialize.
• Women showed a larger planning gap: 41% discussed inheritance with an advisor versus 54% of men; only 17% built it into long-term plans.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. KeyCorp published the original content used to generate this news brief on July 15, 2026, and is solely responsible for the information contained therein.