The RIA channel is targeting the other end — and it is the more valuable one. Cerulli Associates estimated in its 2026 US Retail Investor Solutions report that mass-affluent households alone, those with between $100,000 and $2 million in financial assets, represent a $25 trillion wealth opportunity across approximately 46.9 million households. These are households with multiple properties, umbrella requirements, valuable collections, and a strong preference for dealing with advisors they already trust. Over 75% of wealthy clients carry excess liability protection, and 60 to 65% prefer multi-line bundled coverage, according to market data — exactly the complex, relationship-dependent coverage profile that financial planners are best positioned to identify and address in a single conversation.
Are wealth managers muscling in on personal lines?
