THE EVERGREEN.AI FINANCIAL DECISIONS STUDY 2026: CHART PACK

Source: The Evergreen.ai Financial Decisions Study, 2026 (3,097 U.S. adults surveyed; 1,981 analyzed after quality screening).

Data and charts from this study may be reproduced with attribution:
  Source: The Evergreen.ai Financial Decisions Study, 2026.
Press inquiries: press@evergreen.ai

Full report and interactive page: https://www.evergreen.ai/financial-decisions-study

CONTENTS

report/png, report/svg: each chart in the published report, in report order.
  01-fs-decision-matrix.png  [The Year-End Decision Matrix]  Retirement contributions rank as the highest-stakes year-end decision
  02-fs-tax-waffle.png  [The tax blind spot]  About a quarter of Americans decided without knowing the tax impact
  03-fs-tax-distribution.png  [The tax blind spot]  Only a third calculated the tax impact of their largest decision in detail
  04-fs-tax-wealth-gap.png  [The tax blind spot]  Americans with under $100K in assets are far more likely to skip the tax math
  05-fs-tax-advice-gap.png  [The tax blind spot]  Americans without an advisor are about three times as likely to skip the tax math
  06-fs-ai-cascade.png  [AI and money]  Nearly half of Americans asked an AI tool about money, and most acted on the answer
  07-fs-ai-trust.png  [AI and money]  Nine in ten AI users trusted the answer they got about their money
  08-fs-ai-advisor-paradox.png  [AI and money]  Advised Americans are more likely to ask AI about money, and to act on it unchecked
  09-fs-daf-gap.png  [The American giver]  Nearly half of Americans have never heard of donor-advised funds
  10-fs-giving-tax-gap.png  [The American giver]  Wealthier households are about three times as likely to factor taxes into giving
  11-fs-equity-gap.png  [Equity compensation]  Equity tax confusion is far higher among holders without an advisor
  12-fs-putoff-tasks.png  [Putting it off]  Estate documents top the list of tasks Americans put off
  13-fs-postpone-reasons.png  [Putting it off]  Waiting for more information is the top reason financial tasks stay undone
  14-fs-region-matrix.png  [Across the country]  No region escapes the money blind spots, but gaps run widest in the Midwest
  15-fs-region-ai.png  [Across the country]  Southerners and Californians are the most likely to ask AI about money
  16-fs-ca-profile.png  [Across the country]  Californians are more likely than Americans overall to ask AI about money and to donate
  17-fs-retirement-waffle.png  [The confidence gap]  More than four in ten Americans have never calculated what retirement will require
  18-fs-confidence-gap.png  [The confidence gap]  Americans without an advisor are three times as likely to lack confidence

explorer: each measure x comparison the interactive page can build.
Weighted results. Groups with fewer than 200 respondents are not shown.

tax: Did not know the tax impact of their largest decision
  Base: Respondents who made a major financial decision in the past 12 months where taxes were relevant (excludes 'Taxes were not relevant' and 'I have not made a major financial decision').
  Counted: Answered 'No, I did not calculate or estimate the tax impact' or 'Not sure'.
  evergreen-financial-decisions-study-2026-tax-by-region.png
    Among Americans who made a tax-relevant major financial decision in the past year, Midwesterners are the most likely to have decided without knowing the tax impact, Northeasterners the least
    Statistic IDs: flagship_tax_blind, flagship_tax_blind__region_Northeast, flagship_tax_blind__region_Midwest, flagship_tax_blind__region_South, flagship_tax_blind__region_West
  evergreen-financial-decisions-study-2026-tax-by-assets.png
    Among Americans who made a tax-relevant major financial decision in the past year, those with under $100K in investable assets are more than twice as likely as those with $100K or more in investable assets to have decided without knowing the tax impact
    Statistic IDs: flagship_tax_blind, flagship_tax_blind__gen_pop_non_affluent, flagship_tax_blind__affluent
  evergreen-financial-decisions-study-2026-tax-by-advisor.png
    Among Americans who made a tax-relevant major financial decision in the past year, those without an advisor are roughly three times as likely as those who work with an advisor to have decided without knowing the tax impact
    Statistic IDs: flagship_tax_blind, flagship_tax_blind__advised, flagship_tax_blind__not_currently_advised

equitytax: Do not understand how their equity compensation is taxed (among equity holders)
  Base: Respondents holding any employer equity, answering the follow-up.
  Counted: 'Not very well', 'Not at all', or 'Not sure'.
  evergreen-financial-decisions-study-2026-equitytax-by-advisor.png
    Among Americans who hold employer equity compensation, those without an advisor are more than three times as likely as those who work with an advisor not to understand how their equity compensation is taxed
    Statistic IDs: equity_tax_not_understood, equity_tax_not_understood__advised, equity_tax_not_understood__not_currently_advised

ai: Asked an AI tool about their money
  Base: All qualified respondents answering the AI usage question.
  Counted: 'Yes, several times' or 'Yes, once or twice'.
  evergreen-financial-decisions-study-2026-ai-by-region.png
    Southerners are the most likely to have asked an AI tool about their money in the past 12 months, Midwesterners the least
    Statistic IDs: ai_money_usage, ai_money_usage__region_Northeast, ai_money_usage__region_Midwest, ai_money_usage__region_South, ai_money_usage__region_West
  evergreen-financial-decisions-study-2026-ai-by-assets.png
    Americans with $100K or more in investable assets are far more likely than those with under $100K in investable assets to have asked an AI tool about their money in the past 12 months
    Statistic IDs: ai_money_usage, ai_money_usage__gen_pop_non_affluent, ai_money_usage__affluent
  evergreen-financial-decisions-study-2026-ai-by-advisor.png
    Americans who work with an advisor are far more likely than those without an advisor to have asked an AI tool about their money in the past 12 months
    Statistic IDs: ai_money_usage, ai_money_usage__advised, ai_money_usage__not_currently_advised

aiact: Acted on an AI answer without checking it (among AI users)
  Base: Respondents who used AI for a money question and answered the follow-up.
  Counted: 'Yes, without checking it against another source'.
  evergreen-financial-decisions-study-2026-aiact-by-assets.png
    Among Americans who asked an AI tool about their money in the past year, those with $100K or more in investable assets are more than twice as likely as those with under $100K in investable assets to have acted on an AI answer without checking it against another source
    Statistic IDs: ai_acted_unverified, ai_acted_unverified__gen_pop_non_affluent, ai_acted_unverified__affluent
  evergreen-financial-decisions-study-2026-aiact-by-advisor.png
    Among Americans who asked an AI tool about their money in the past year, those who work with an advisor are roughly three times as likely as those without an advisor to have acted on an AI answer without checking it against another source
    Statistic IDs: ai_acted_unverified, ai_acted_unverified__advised, ai_acted_unverified__not_currently_advised

aiacted: Acted on an AI money answer (among AI users)
  Base: Respondents who used AI for a money question and answered the follow-up.
  Counted: 'Yes, without checking it against another source' or 'Yes, after checking it with another source or a professional'.
  evergreen-financial-decisions-study-2026-aiacted-by-assets.png
    Among Americans who asked an AI tool about their money in the past year, those with $100K or more in investable assets are far more likely than those with under $100K in investable assets to have acted on their most recent AI money answer
    Statistic IDs: ai_acted_on_answer, ai_acted_on_answer__gen_pop_non_affluent, ai_acted_on_answer__affluent
  evergreen-financial-decisions-study-2026-aiacted-by-advisor.png
    Among Americans who asked an AI tool about their money in the past year, those who work with an advisor are far more likely than those without an advisor to have acted on their most recent AI money answer
    Statistic IDs: ai_acted_on_answer, ai_acted_on_answer__advised, ai_acted_on_answer__not_currently_advised

aitrust: Trusted an AI money answer completely (among AI users)
  Base: AI users answering the trust question (gated by skip logic).
  Counted: 'Trusted it completely'.
  evergreen-financial-decisions-study-2026-aitrust-by-assets.png
    Among Americans who asked an AI tool about their money in the past year, those with $100K or more in investable assets are nearly twice as likely as those with under $100K in investable assets to have trusted their most recent AI money answer completely
    Statistic IDs: ai_trusted_completely, ai_trusted_completely__gen_pop_non_affluent, ai_trusted_completely__affluent
  evergreen-financial-decisions-study-2026-aitrust-by-advisor.png
    Among Americans who asked an AI tool about their money in the past year, those who work with an advisor are roughly three times as likely as those without an advisor to have trusted their most recent AI money answer completely
    Statistic IDs: ai_trusted_completely, ai_trusted_completely__advised, ai_trusted_completely__not_currently_advised

retire: Never calculated how much they will need to retire
  Base: All qualified respondents answering the retirement-number question.
  Counted: 'No' or 'Not sure'.
  evergreen-financial-decisions-study-2026-retire-by-region.png
    Midwesterners are the most likely never to have calculated how much they will need to retire, Westerners the least
    Statistic IDs: retirement_number_never_calculated, retirement_number_never_calculated__region_Northeast, retirement_number_never_calculated__region_Midwest, retirement_number_never_calculated__region_South, retirement_number_never_calculated__region_West
  evergreen-financial-decisions-study-2026-retire-by-assets.png
    Americans with under $100K in investable assets are more than twice as likely as those with $100K or more in investable assets never to have calculated how much they will need to retire
    Statistic IDs: retirement_number_never_calculated, retirement_number_never_calculated__gen_pop_non_affluent, retirement_number_never_calculated__affluent
  evergreen-financial-decisions-study-2026-retire-by-advisor.png
    Americans without an advisor are roughly three times as likely as those who work with an advisor never to have calculated how much they will need to retire
    Statistic IDs: retirement_number_never_calculated, retirement_number_never_calculated__advised, retirement_number_never_calculated__not_currently_advised

retconf: Not confident they will have enough money to retire
  Base: All qualified respondents answering the retirement-confidence question.
  Counted: 'Not too confident' or 'Not at all confident'.
  evergreen-financial-decisions-study-2026-retconf-by-assets.png
    Americans with under $100K in investable assets are more than three times as likely as those with $100K or more in investable assets to lack confidence that they will have enough money to retire
    Statistic IDs: retirement_not_confident, retirement_not_confident__gen_pop_non_affluent, retirement_not_confident__affluent

conf: Not confident about their finances heading into year-end
  Base: All qualified respondents answering the overall-confidence question.
  Counted: 'Not too confident' or 'Not at all confident'.
  evergreen-financial-decisions-study-2026-conf-by-region.png
    Midwesterners are the most likely to lack confidence about their finances heading into year-end, Northeasterners and Southerners the least
    Statistic IDs: not_confident_yearend, not_confident_yearend__region_Northeast, not_confident_yearend__region_Midwest, not_confident_yearend__region_South, not_confident_yearend__region_West
  evergreen-financial-decisions-study-2026-conf-by-assets.png
    Americans with under $100K in investable assets are more than twice as likely as those with $100K or more in investable assets to lack confidence about their finances heading into year-end
    Statistic IDs: not_confident_yearend, not_confident_yearend__gen_pop_non_affluent, not_confident_yearend__affluent
  evergreen-financial-decisions-study-2026-conf-by-advisor.png
    Americans without an advisor are roughly three times as likely as those who work with an advisor to lack confidence about their finances heading into year-end
    Statistic IDs: not_confident_yearend, not_confident_yearend__advised, not_confident_yearend__not_currently_advised

daf: Had never heard of donor-advised funds
  Base: All qualified respondents answering the DAF question.
  Counted: 'I had never heard of donor-advised funds before this survey'.
  evergreen-financial-decisions-study-2026-daf-by-region.png
    Midwesterners are the most likely never to have heard of donor-advised funds, Southerners the least
    Statistic IDs: daf_never_heard, daf_never_heard__region_Northeast, daf_never_heard__region_Midwest, daf_never_heard__region_South, daf_never_heard__region_West
  evergreen-financial-decisions-study-2026-daf-by-assets.png
    Americans with under $100K in investable assets are far more likely than those with $100K or more in investable assets never to have heard of donor-advised funds
    Statistic IDs: daf_never_heard, daf_never_heard__gen_pop_non_affluent, daf_never_heard__affluent
  evergreen-financial-decisions-study-2026-daf-by-advisor.png
    Americans without an advisor are far more likely than those who work with an advisor never to have heard of donor-advised funds
    Statistic IDs: daf_never_heard, daf_never_heard__advised, daf_never_heard__not_currently_advised

donated: Donated to charity in the past 12 months
  Base: All qualified respondents answering the donation question.
  Counted: 'Yes'.
  evergreen-financial-decisions-study-2026-donated-by-region.png
    Westerners are the most likely to have donated to charity in the past 12 months, Southerners the least
    Statistic IDs: donated_12mo, donated_12mo__region_Northeast, donated_12mo__region_Midwest, donated_12mo__region_South, donated_12mo__region_West

giveplan: Do not plan their charitable giving in advance
  Base: All qualified respondents answering the giving-decision question (not gated; non-donors included).
  Counted: Decides during the year, at year-end, or has no typical pattern.
  evergreen-financial-decisions-study-2026-giveplan-by-assets.png
    Americans with $100K or more in investable assets and those with under $100K in investable assets are about equally likely to give without planning in advance for the year
    Statistic IDs: giving_unplanned, giving_unplanned__gen_pop_non_affluent, giving_unplanned__affluent

givetax: Tax benefits are a major factor in how much they give (among donors)
  Base: Past-12-month donors answering the tax-factor question.
  Counted: 'A major factor'.
  evergreen-financial-decisions-study-2026-givetax-by-assets.png
    Among Americans who donated to charity in the past 12 months, those with $100K or more in investable assets are roughly three times as likely as those with under $100K in investable assets to say tax benefits are a major factor in how much they give
    Statistic IDs: giving_tax_major_factor, giving_tax_major_factor__gen_pop_non_affluent, giving_tax_major_factor__affluent

putoff: Put off a financial task longer than they should have
  Base: All qualified respondents answering the put-off-tasks question (Q8).
  Counted: Selected any task other than 'None of these'.
  evergreen-financial-decisions-study-2026-putoff-by-region.png
    Differences by Census region are small, from 86.7% to 90.0%
    Statistic IDs: putoff_any_12mo, putoff_any_12mo__region_Northeast, putoff_any_12mo__region_Midwest, putoff_any_12mo__region_South, putoff_any_12mo__region_West
  evergreen-financial-decisions-study-2026-putoff-by-assets.png
    Americans with $100K or more in investable assets are more likely than those with under $100K in investable assets to have put off a financial task longer than they think they should have
    Statistic IDs: putoff_any_12mo, putoff_any_12mo__gen_pop_non_affluent, putoff_any_12mo__affluent
  evergreen-financial-decisions-study-2026-putoff-by-advisor.png
    Americans who work with an advisor and those without an advisor are about equally likely to have put off a financial task longer than they think they should have
    Statistic IDs: putoff_any_12mo, putoff_any_12mo__advised, putoff_any_12mo__not_currently_advised

noadvisor: Do not currently work with an advisor
  Base: All qualified respondents answering the advisor question.
  Counted: 'Not currently, but I have in the past' or 'No, never'.
  evergreen-financial-decisions-study-2026-noadvisor-by-region.png
    Differences by Census region are small, from 57.9% to 61.6%
    Statistic IDs: no_current_advisor, no_current_advisor__region_Northeast, no_current_advisor__region_Midwest, no_current_advisor__region_South, no_current_advisor__region_West
  evergreen-financial-decisions-study-2026-noadvisor-by-assets.png
    Americans with under $100K in investable assets are nearly twice as likely as those with $100K or more in investable assets to be without an advisor
    Statistic IDs: no_current_advisor, no_current_advisor__gen_pop_non_affluent, no_current_advisor__affluent

