What do the Great Wealth Transfer, prediction markets, and AI-guided wealth management all have in common? They are great disruptors with glaring gaps and/or disconnects as it relates to the average investor's confidence, intentions, and realities. These gaps will impact the future of wealth management for the foreseeable future, and we believe Vassant is an obvious platform choice for the groups affected by these disruptions.

Allow me to be more specific and provide some more context.

The Great Wealth Transfer is an event occurring right now, and will last through to 2048, in which the Baby Boomer generation will be transferring large sums of money and assets to younger generations and charities in the form of inheritances and will directions. Estimates range heavily, but according to VISA, their Business and Economic Insights unit finds that "$36 trillion in baby boomer wealth will pass to Gen X and millennial heirs over the next 20 years." As consumer spending is accounted for, that leaves roughly $28 trillion on the table for investing or saving.

The group that will most immediately benefit from this great transfer is Gen X. However, just 31% of GenXers are confident in their retirement future. When you dive into that sentiment, there are some legitimate reasons that underlie the low confidence figure:

• The Great Wealth Transfer will mostly benefit those with a high net worth, leaving rank-in-file individuals excluded from large monetary or asset transfers.
• Financial commitments to children to fund college.
• Care costs for aging parents.

What's clear is that those not benefiting from an asset transfer in which they can seamlessly handoff to a financial advisor will need to consider streamlined approaches to strong capital allocation, debt payoff, and investment strategies. Done properly, this can secure a strong, forward-looking foundation – even if one were late to the starting gate.

Prediction Markets

We explored one of the most preeminent wealth disruptors to Gen Xers, but what are Gen Zers grappling with? A new financial sector that is estimated to grow from $260 billion in 2026 to $1 trillion by 2030: prediction markets.

Prediction markets are financial exchanges regulated by the Commodity Futures Trading Commission (CFTC) which allow traders to trade on the outcome of events like sports, politics, and cryptocurrency, or other news-related topics.

We'll be honest: prediction markets are completely against what Vassant stands for. At our core, and as we have argued extensively, we believe emotion drives poorer outcomes for investors. And judging by the subject matter prediction markets are driven by, it is clear emotion is a key factor in decision making.

What's concerning is that even with research by Citizens from July 2025 showing "the median ROI for a prediction market user was -8% (excluding individuals with fewer than 10 trades)," Wall Street is cozying up to the new sector. And Gen Z is jumping in on the wave with "52% have redirected money originally intended for investing toward it in the past year."

This might be a little controversial to say, but prediction markets are not an investing strategy – investing is.

AI for Financial Advice

AI is the disruptor that is cutting across every generation and causing seasoned investing pros to doubt their own strategy. However, the increased usage of AIs to manage portfolios or to provide financial advice does not come without risks of its own.

In an AP article, an MIT professor at the Sloan School of Management suggests to use AI sparingly, only for learning pathways in conjunction with other trusted sources. The reason is that AI does not have a fiduciary responsibility. We go further in a different blog about how AI also requires a high burden to get to the structure you might need to build confidence in creating a capital allocation framework or an investing plan.

The main gap as the AP article highlights is that "3 in 10 have 'a great deal' or 'some' confidence in its expertise for managing money." This gap is again where Vassant steps in to provide the structure everyday investors need to build confidence in how they allocate and invest their money.

Responding to Blurred Lines

It's very clear that as capital and capital-accelerating technology continues to arrive and be refined for investors, the guidance infrastructure is buckling. Popular online brokerages are pushing poor-performing, novel markets, wealth transfers and advice structures are leaving out the middle class, and AI is overwhelming the system as people sit in siloed advice channels (or chats).

Vassant is at the intersection.

One platform. Simple, customizable structures. A knowledge-base that connects it all.

The result we're aiming for: more confidence and steady wealth creation.