{"id":26226,"date":"2026-09-28T11:15:23","date_gmt":"2026-09-28T09:15:23","guid":{"rendered":"https:\/\/behaviorquant.com\/?p=26226"},"modified":"2026-09-28T15:37:32","modified_gmt":"2026-09-28T13:37:32","slug":"for-advisors-%c2%b7-3-min-nextgen-is-changing-the-advisors-role","status":"publish","type":"post","link":"https:\/\/behaviorquant.com\/en\/for-advisors-%c2%b7-3-min-nextgen-is-changing-the-advisors-role\/","title":{"rendered":"<span style=\"color: #22a17e; font-size: 16px;\">FOR ADVISORS<\/span> <span style=\"font-size: 16px;\"> &nbsp;&nbsp;&nbsp;\u00b7&nbsp;&nbsp;&nbsp;4 MIN<\/span><br> <br>NextGen is changing the advisor\u2019s role"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"26226\" class=\"elementor elementor-26226\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95ef0d7 e-flex e-con-boxed e-con e-parent\" data-id=\"95ef0d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-546a866 e-con-full e-flex e-con e-child\" data-id=\"546a866\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1ff258 elementor-widget elementor-widget-post-info\" data-id=\"b1ff258\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-982f0ae\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/behaviorquant.com\/en\/2026\/09\/28\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12 192h424c6.6 0 12 5.4 12 12v260c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V204c0-6.6 5.4-12 12-12zm436-44v-36c0-26.5-21.5-48-48-48h-48V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H160V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H48C21.5 64 0 85.5 0 112v36c0 6.6 5.4 12 12 12h424c6.6 0 12-5.4 12-12z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>September 28, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b267d9b e-con-full e-flex e-con e-child\" data-id=\"b267d9b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-551aa72 elementor-author-box--layout-image-right elementor-author-box--align-right elementor-widget elementor-widget-author-box\" data-id=\"551aa72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/behaviorquant.com\/en\/blog-news-section\/\" class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/behaviorquant.com\/wp-content\/uploads\/2024\/02\/gb_fwa_trans_70-300x300.webp\" alt=\"Picture of Gerlinde Berghofer\" loading=\"lazy\">\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/behaviorquant.com\/en\/blog-news-section\/\">\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tGerlinde Berghofer\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>COO and Co-Founder of BehaviorQuant<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c720ecb e-flex e-con-boxed e-con e-parent\" data-id=\"c720ecb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cf6d60 elementor-widget elementor-widget-heading\" data-id=\"8cf6d60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">NextGen is changing the advisor\u2019s role<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d14f33 elementor-widget elementor-widget-heading\" data-id=\"6d14f33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Expertise still matters \u2013 but transparency, explanation and collaboration are becoming more important<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc0bf5d e-flex e-con-boxed e-con e-parent\" data-id=\"cc0bf5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-948b415 elementor-widget elementor-widget-text-editor\" data-id=\"948b415\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Young investors engage intensively with their finances. They compare ETFs, follow markets, use apps and social media, and increasingly turn to AI to inform themselves. But that does not mean they want to do without professional advice.<\/p><p>Quite the opposite: An international study by CFA Institute, surveying more than 2,400 mass-affluent, high-net-worth and very-high-net-worth investors across Canada, India, Singapore, the United Arab Emirates, the United Kingdom and the United States, finds that human advisors remain the single most trusted source of investment guidance \u2013 despite the constant availability of information. About one third of young investors have used generative AI for financial education, which does not replace advice but means they arrive better informed.<br \/><em>Source: CFA Institute, 2026, Next-Gen Investors: A Guide for Wealth Managers and Financial Advisers<\/em><\/p><p>The effect is measurable: 71 percent of young investors who work with a financial advisor report being very or extremely confident about reaching their financial goals, compared with 60 percent of those using neither an advisor nor a digital advisory solution.<\/p><p>This matters now because substantial wealth is moving to this generation. With it, the question of which advisory relationships survive the transition is being decided.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44534df elementor-widget elementor-widget-image\" data-id=\"44534df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1672\" height=\"558\" src=\"https:\/\/behaviorquant.com\/wp-content\/uploads\/2026\/09\/newsletter_09-1672-85.webp\" class=\"attachment-full size-full wp-image-26240\" alt=\"\" srcset=\"https:\/\/behaviorquant.com\/wp-content\/uploads\/2026\/09\/newsletter_09-1672-85.webp 1672w, https:\/\/behaviorquant.com\/wp-content\/uploads\/2026\/09\/newsletter_09-1672-85-300x100.webp 300w, https:\/\/behaviorquant.com\/wp-content\/uploads\/2026\/09\/newsletter_09-1672-85-1024x342.webp 1024w, https:\/\/behaviorquant.com\/wp-content\/uploads\/2026\/09\/newsletter_09-1672-85-768x256.webp 768w, https:\/\/behaviorquant.com\/wp-content\/uploads\/2026\/09\/newsletter_09-1672-85-1536x513.webp 1536w, https:\/\/behaviorquant.com\/wp-content\/uploads\/2026\/09\/newsletter_09-1672-85-18x6.webp 18w\" sizes=\"(max-width: 1672px) 100vw, 1672px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7b7c8a elementor-widget elementor-widget-text-editor\" data-id=\"b7b7c8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Expertise still matters. But its role is changing.<\/h3><p>Clients who arrive with their own information and views often do not simply want to hear: \u201cThis is the right solution for you.\u201d<\/p><p>They want to understand: Why are you recommending this? What are the alternatives? What are the consequences? And where can I have a say?<\/p><p>This does not mean advisors lose authority. On the contrary: transparency and participation can strengthen trust precisely when clients are already well informed and bring their own views. The advisor\u2019s value shifts away from simply having an information advantage, and toward context, orientation, and better decisions.<\/p><h3>Not every NextGen client wants the same level of involvement<\/h3><p>Even within one generation, there is no single \u201cright\u201d form of advice. Some clients want a clear recommendation. Others prefer to weigh several options together. Still others arrive with specific views and primarily expect their advisor to put them into context or challenge them professionally.<\/p><p>In Germany, this shift is also reflected in the numbers: Among Generation Z savers, 48 percent own securities\u2014significantly more than among Millennials, Generation X, and Baby Boomers. About 40 percent of these young investors spend one to two hours a week managing their investments.<br \/><em>Source: Commerzbank, 2026, investment study \u201cSo investiert Deutschland\u201d (over 3,200 respondents, surveyed by Ipsos)<\/em><\/p><p>That makes one question increasingly important: how does this client actually want to be advised?<\/p><h3>What this means in practice<\/h3><p>For wealth managers, this adds a dimension of personalization that is rarely captured systematically. Personalization is not only about the portfolio, but also about the form of collaboration. That requires understanding more than age, wealth, and investment horizon:<\/p><ul><li>How does this person make decisions?<\/li><li>How important is autonomy to them?<\/li><li>When do they seek orientation \u2013 and when not?<\/li><li>How do they want to receive information?<\/li><li>How much responsibility do they want to retain?<\/li><\/ul><p>\u00a0<\/p><p>One simple question in conversation reveals a great deal: \u201cWhere would you like a clear recommendation from me \u2013 and where would you prefer to be more involved in the decision?\u201d<\/p><h3>For advisor networks, banks and advisory firms<\/h3><p>Where many advisors work under the same brand or platform, this also becomes a question of consistency. Whether a NextGen client receives a clear recommendation or is more actively involved in the decision should not depend on the individual advisor\u2019s personal style. A structured behavioral approach helps make advice both individual and consistent across the organization.<\/p><h3>How BQ Advisory supports advisors<\/h3><p>BQ Advisory helps wealth advisors make clients\u2019 risk perceptions, values, preferences, and decision behavior more visible and structured. This provides an additional basis for advice that not only asks what fits the client, but also considers how that client wants to make decisions and be involved in the advisory process.<\/p><p>Because the easier information becomes to access, the more valuable something else becomes: truly understanding the client.<\/p><h3>Key Takeaway<\/h3><p>The easier information becomes to access, the less an information advantage decides \u2013 and the more it matters how well an advisor understands the client.<\/p><p>How do your clients actually want to be advised?<\/p><p>Discover how BQ Advisory helps make preferences, risk perceptions, and decision behavior more visible and structured:<br \/><a href=\"https:\/\/behaviorquant.com\/en\/bq-advisory\/#start_advisory\">Discover BQ Advisory<\/a><\/p><p><strong>Your BehaviorQuant Team<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9714330 elementor-widget elementor-widget-text-editor\" data-id=\"9714330\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0<\/p><p><strong>BehaviorQuant \u2014 because better decisions start with people.<\/strong><\/p><p>For further discussion or information:<br \/><a href=\"mailto:contact@behaviorquant.com\">contact@behaviorquant.com<\/a><\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ee58bd e-flex e-con-boxed e-con e-parent\" data-id=\"6ee58bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-059f22f e-con-full e-flex e-con e-child\" data-id=\"059f22f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8ca167 elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b8ca167\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Dive into the World of Behavioral Finance and Stay Informed!<\/h3><p>Are you eager to delve deeper into the fascinating realm of Behavioral Finance, while staying in the know about the latest breakthroughs and exclusive offers?<\/p><p>Join us for a newsletter packed with top insights. We respect your time &#8211; only the best content, once a month. Subscribe now!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79d5832 e-con-full e-flex e-con e-child\" data-id=\"79d5832\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0066564 elementor-widget elementor-widget-hubspot-form\" data-id=\"0066564\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hubspot-form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 6341835,\n\t\t\t\t\t\t\t\t\tformId: \"2ed19b1b-861e-4091-b709-bcb4e72ce225\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1791907807000-3380078310\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1791907807000-3380078310\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>BQ Advisory makes risk perception, values, preferences, and decision behavior visible in a structured way \u2013 including how a client wants to be involved in decisions.<\/p>\n","protected":false},"author":3,"featured_media":26253,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-26226","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein"],"_links":{"self":[{"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/posts\/26226","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/comments?post=26226"}],"version-history":[{"count":41,"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/posts\/26226\/revisions"}],"predecessor-version":[{"id":26269,"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/posts\/26226\/revisions\/26269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/media\/26253"}],"wp:attachment":[{"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/media?parent=26226"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/categories?post=26226"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/behaviorquant.com\/en\/wp-json\/wp\/v2\/tags?post=26226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}