Many Gen X workers also lacked tools now common in retirement plans — such as automatic enrollment and target-date funds. “Gen X is the first generation to shoulder full responsibility for their retirement. “To grow their wealth, plan for retirement and leave a legacy, Gen X investors need comprehensive wealth planning and sophisticated strategies. Seventy-four percent of Gen X respondents said leaving a legacy for family is a priority — adding complexity to long-term planning. Despite their independent approach, Gen X investors expressed openness to professional guidance.