Cedar Leadership financial services platform and experience is designed to help pursue your specific life goals.
No matter your life story, our tailored approach to planning for a better tomorrow will meet you where you are and address your specific goals. And for entrepreneurial-minded individuals looking to grow wealth on their terms, our turnkey system and experienced leadership can help you build your own business through supporting the needs of others. We help make the dream of financial independence and financial resilience possible for all those in our communities across North America.
The American Dream at a Crossroads
The American middle class has long been the engine of the nation’s prosperity, embodying the promise of the American Dream. Today, that dream faces new challenges as shifting economic realities continue to reshape expectations for the future. The journey to a secure financial future is increasingly complex shaped by economic uncertainty, technological disruption and shifting realities.
Services Rendered
Income Replacement
Ensures your family keeps earning even if you can’t.
Income Protection
Safeguards your paycheck against life’s unexpected events.
Family Protection
Provides financial security for your loved ones when it matters most.
College Savings
Helps you plan and save early for your children’s education.
Increased Cash Flow
Teaches smart money strategies to keep more of what you earn.
Index Strategies
Builds steady growth through low-risk, market-based solutions.
Tax Free Retirement
Creates a retirement plan that lets you enjoy your income, tax-free
Passive Income Literacy
Equips you with knowledge to earn beyond your 9–5.
Elevating any possible event
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Key findings across generations
The 2025 report, based on a survey of more than 5,300 U.S. residents with household incomes between $50,000 and $200,000, highlights how the retirement journey—and its challenges—shift across different stages of life:
- Twenties: Most twentysomethings are employed (86%) and saving for retirement (77%), but 55% are having trouble making ends meet. Over half (52%) worry that artificial intelligence and robotics will make their job skills obsolete. Many are also being called upon to serve as caregivers, and 28% have already taken a hardship or early withdrawal from retirement accounts.
- Thirties and Forties: In their 30s, 83% are saving for retirement, but many are guessing how much they need. About 41% have served as caregivers, and 23% have taken a hardship or early withdrawal. In their 40s, 80% are saving for retirement, but with so many demands, many are at risk of falling behind. One in five (21%) have taken a hardship or early withdrawal, and 50% cite focusing on family as a top priority.
- Fifties and Beyond: Many individuals in their 50s are falling short on retirement savings (estimated median $112,000), and their window to save is closing. Nearly half expect to work past age 65 or do not plan to retire, but success depends on health and job opportunities. In their 60s, more than half have already retired, and 40% expect Social Security to be their primary income source. For those in their 70s and older, 43% expect Social Security to be their primary income, and only 16% are very confident they could afford long-term care if needed.
We help individuals and families create lasting financial freedom — from protecting income to building wealth that works for generations.
Deborah Bosah Momoh
Licensed Financial Profession
Common threads and unique challenges
Across all ages, the report finds that the middle class shares a desire to enjoy life, stay healthy, and provide for family. Yet, each generation faces unique pressures. Younger adults are more likely to feel anxious, overwhelmed and isolated, while older adults report higher levels of happiness and life satisfaction. The urgency to save for retirement grows with age, but so do the obstacles—whether it’s debt, caregiving responsibilities, or uncertainty about the future of Social Security.
Common threads and unique challenges
Financial knowledge is another dividing line. While nearly three-quarters (73%) of the middle class say they have at least “some” working knowledge of personal finance, this confidence grows with age. Reliance on professional financial advisors also increases over time, though many still turn to family, friends and digital sources for guidance.
Common threads and unique challenges
Many middle-class Americans face financial challenges, such as difficulty making ends meet and managing competing priorities like debt repayment, emergency savings, and retirement planning. The median emergency savings for the middle class is $10,000, and more than one in ten (12%) have no emergency savings at all. Over one-third (36%) of those not yet retired have tapped into retirement accounts by taking loans, hardship withdrawals, and/or early withdrawals, risking their long-term security for short-term needs.
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A Path Forward
The findings point to a clear need for collaboration. Retirement security for the middle class is influenced by many factors—personal savings habits, workplace benefits and public policy. While individuals are taking steps to prepare, the report notes that employer practices and government programs also shape outcomes. Access to retirement plans, financial education, and sustainable social safety nets remain critical components of the broader system.
Together, these elements can help create an environment where middle-class Americans have a better chance of achieving a secure and dignified retirement.
Your journey to lasting wealth starts here.
What guests say
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