Six transformative forces are reshaping financial services distribution, changing who holds influence, how advisors grow, what clients expect, and the role technology plays in delivering value. Understanding these shifts is critical for organizations seeking to remain relevant, competitive, and future-ready.
Explore the trends defining what comes next, and the opportunities and challenges that will define the industry’s next chapter.
of our advisors operate within teams. It’s a big part of developing the next generation of advisors.
of employers said they preferred carries that worked well with existing benefits technology*
*Source: 2025 LIMRA EY Harnessing Growth Study
of employers identified claims and enrollment as the top areas needing further digitization*
"Even with all the M&A activity that has taken place over the last decade, there remain over 40,000 independently owned agencies in the U.S., making it a ripe market for further consolidation." — Michael Scherer, Partner at KPMG U.S.
As merger and acquisition activity and private equity investment accelerate, financial services distribution is being redefined by larger, more sophisticated players reshaping the industry's future.
Explore Key Drivers of Strategic Consolidation