AI creates a long‑term plan to transfer your wealth to the next generation: legal structures, legacy accounts, multi‑generation investing, and family money conversations. Start your legacy today.
You want to pass on wealth – but you don't know where to start.
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You don't have a will or trust
If something happens to you, the state decides who gets your assets – and your kids could end up in probate for years.
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You don't know which accounts to open for kids
529? UGMA? UTMA? Custodial Roth IRA? The options are overwhelming, and each has different tax implications.
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You're worried your kids won't be responsible with inheritance
You've seen families torn apart by money. You want to leave a legacy, not a curse.
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You've never talked to your family about money
It feels awkward. You don't know what to say or when to say it. So you say nothing – and they stay unprepared.
What You Get
A 12‑month system to build and transfer generational wealth.
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Wealth Transfer Assessment
Evaluate your current assets, goals, and timeline. Know where you stand before you start.
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Legal Structure Guide
Wills, trusts, power of attorney, healthcare directives. What you need, when, and how much it costs.
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Legacy Account Setup
529 plans (education), UGMA/UTMA (custodial accounts), inherited IRAs, and separate legacy brokerage accounts.
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Multi‑Generation Investing
Asset allocation for long‑term growth (20+ years). Avoid overly conservative portfolios that kill growth.
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Family Money Conversation Scripts
What to say to kids at every age (5‑25). How to run a family money meeting without awkwardness.
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12‑Month Action Plan
Month by month: legal docs → legacy accounts → investing → family education. One step at a time.
How It Works
From no plan to legacy ready in 12 months.
1
Take the wealth assessment
Answer questions about your assets, family, and goals – 5 minutes.
⏱ ~5 minutes
2
Get your 12‑month plan
AI gives you a month‑by‑month roadmap: legal documents, legacy accounts, investing, and family talks.
⏱ ~2 minutes
3
Execute one month at a time
Create a will, open a 529, have a money talk with your kids. Small actions, lasting legacy.
⏱ 2‑4 hours/month
3
legacy building blocks
estate
legal foundation
529
tax‑free growth
talk
family alignment
Questions
Everything you need to know.
I don't have millions. Is generational wealth still possible?
Yes – generational wealth isn't about being rich; it's about building systems that outlast you. Even a modest 529 plan, a paid‑off home, and a life insurance policy can change your family's trajectory. The principles scale.
Do I really need a trust, or is a will enough?
A will is enough for many people, but it goes through probate (public, time‑consuming). A revocable living trust avoids probate, keeps your affairs private, and can control distributions (e.g., 'child gets 1/3 at 25'). If you have a home or young children, a trust is worth considering.
What's the best account for a child's future?
It depends: for education, a 529 plan (tax‑free growth for college). For general savings, a UGMA/UTMA (invest in child's name, but they get full control at 18‑21). For long‑term legacy, a separate brokerage account in your name with them as beneficiary.
How do I prevent my kids from blowing their inheritance?
Use a trust with staggered distributions (e.g., 1/3 at 25, 1/3 at 30, 1/3 at 35). Require financial literacy courses before distributions. Name a trusted advisor as co‑trustee. And most importantly – talk to them about money now.
What if I have a child with special needs?
You need a special needs trust. Leaving money directly to a child with disabilities can disqualify them from government benefits (Medicaid, SSI). A special needs trust holds assets for their benefit without affecting eligibility. Consult a special needs attorney.
How do I start the money conversation with my adult children?
Start with values, not numbers. 'We've worked hard to build a little something for the future. We want to make sure you're prepared – not just to receive it, but to manage it well.' Use the family meeting script in the toolkit.