The wealthiest clients expect more from financial advisors than just high rates of return. Planning for a longer and more fulfilling life is becoming a new goal. According to Capgemini's latest "World Wealth Report 2026," 69% of wealth management executives consider longevity strategies and health-related wealth solutions to be their top priority when serving HNWI (High-Net-Worth Individual) clients. This represents a fundamental shift for an industry that for decades focused solely on stock market portfolios and risk profiles.

The contemporary understanding of wealth is clearly changing. For HNWIs, money is becoming not only a tool for accumulating assets but also a way to secure quality of life, independence, health, and family well-being. As a result, modern financial advice increasingly extends beyond traditional portfolio management to encompass succession, retirement planning, healthcare, and multigenerational management.

Health is included in the official wealth management offer

Leading financial institutions are already developing services that combine wealth management with health and well-being. The Capgemini report highlights, for example, Standard Chartered Bank, which in November 2025 entered into a partnership with the international health insurer Bupa Global and WHOOP, a manufacturer of body monitoring devices.

The goal of this collaboration is to incorporate health insurance and fitness data into a coordinated service model for affluent clients. This signals that health and longevity are no longer a sideline to investment performance, but are becoming a key element in building lasting client relationships.

Record wealth and the growing problem of personalization

The focus on health and quality of life comes amid a breakthrough surge in global wealth. In 2025, the HNWI population increased by 7.9%, reaching 25.3 million. Their combined portfolio increased by 8.7%, reaching an unprecedented $98.3 trillion. This performance was fueled, among other factors, by a strong stock market and investments in artificial intelligence companies.

Despite the favorable market environment, traditional financial institutions are grappling with service quality issues. Only 17% of HNWI clients rate their advisory experience as seamless and fully personalized. As many as 42% of respondents report having to repeatedly reiterate their goals and preferences to different employees within the same institution. At the same time, 97% of firms still segment clients primarily by asset value, and 78% rely on static risk profiles.

" Health, longevity, and family security are increasingly becoming an integral part of conversations about money. Affluent clients expect advice that goes beyond product recommendations and helps them plan the next decades of their lives. This requires wealth management firms to adopt a completely different work model: better use of data, collaboration between multiple specialists, and technology that supports advisors rather than replacing their relationship with clients, " comments Piotr Siuda, Head of Financial Services Poland at Capgemini Polska.

The advisor as a coordinator of the client's financial life

The answer to these challenges is to reshape the role of advisors, or relationship managers. Currently, 41% of their work time is spent on operational tasks rather than direct client contact. A Capgemini report indicates that the future belongs to advisors acting as coordinators of interdisciplinary expert teams – from taxes, alternative investments, and succession to health, insurance, and philanthropy. Data shows that 53% of clients whose advisors effectively coordinate the work of specialized teams declare their willingness to recommend their firm to others.

In this model, so-called augmented intelligence plays a key role. Its purpose is not to replace humans, but rather to automate routine processes, organize data, and create a more complete picture of the client's situation. This allows the advisor to devote more time to conversation, empathy, and understanding the client's personal goals.

About the report

" World Wealth Report 2026: Wealth.AI " is the 30th edition of Capgemini's global report on the wealth management market. The study is based on, among other things, a survey of 6,510 HNWI investors from four global regions, a survey of 144 wealth management firms from 10 markets, and a survey of 1,317 relationship advisors from 16 markets. The report's market model covers 71 countries accounting for over 98% of global gross national income and 99% of global stock market capitalization.