Generational Wealth Planning and Legacy Planning
For many families, the most meaningful financial goal is not just building wealth.
It is building a plan that supports children, grandchildren, and future generations.
Generational wealth planning is about more than estate documents. It is about aligning your investments, tax strategy, and long term planning goals so your wealth is protected and passed forward thoughtfully.
If you are asking questions like:
-How do I transfer wealth to my children tax efficiently?
-How do I create a legacy plan for my family?
-How do I make sure my estate plan actually works?
-How do I support future generations without creating conflict?
-How do I incorporate charitable giving into our family plan?
At Apriem Advisors, we help families build long term wealth transfer and legacy planning strategies designed to reflect your values and protect your family.
What Is Generational Wealth Planning?
Generational wealth planning is the process of building a long term strategy for how wealth is:
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grown and protected
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structured and organized
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transferred to heirs
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coordinated with tax planning
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aligned with your family values
It often includes estate planning coordination, but it goes beyond that.
A strong generational plan connects your investments, your cash flow strategy, your estate plan, and your family goals into one clear framework.
Legacy Planning for Families and Future Generations
Legacy planning is not just about money.
It is about the impact your wealth can have on your family and the people you care about.
Many families want to create a legacy that supports:
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financial security for a spouse
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support for children and grandchildren
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education funding
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charitable giving and philanthropy
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family stability during major transitions
We help clients build a legacy plan that is clear, intentional, and structured for long term success.
Wealth Transfer Planning and Estate Planning Coordination
Estate planning is often one of the most important pieces of generational wealth planning.
However, many people have estate documents that have not been reviewed in years, or documents that do not align with how their assets are actually titled.
We help clients coordinate estate planning by supporting:
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beneficiary strategy and account titling review
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trust planning coordination
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updating estate plans after major life transitions
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planning for efficient wealth transfer
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ensuring assets pass according to your intentions
We do not provide legal advice, but we work closely with your estate attorney to ensure the financial strategy supports the estate plan.
Tax Aware Wealth Transfer Strategy
Taxes can have a major impact on how much wealth is passed forward.
Generational planning often includes tax strategy such as:
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planning around capital gains and step up in basis
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coordinating with long term tax planning goals
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charitable giving strategies
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planning for retirement account inheritance
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managing the tax impact of future distributions
Our goal is to help families reduce unnecessary tax costs and create a more efficient plan for wealth transfer.
Planning for Inherited IRAs and Retirement Account Wealth Transfer
Retirement accounts are often one of the largest assets passed to heirs.
They can also create significant tax consequences if not planned carefully.
We help clients plan for:
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beneficiary strategy for IRAs and 401(k) accounts
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inherited IRA distribution rules
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coordinating retirement accounts with estate planning
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tax planning for heirs and future generations
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ensuring retirement assets support both legacy and tax goals
This is one of the most overlooked areas of legacy planning.
Charitable Giving and Family Philanthropy Planning
For many families, charitable giving is part of their legacy.
We help clients incorporate philanthropy into generational wealth planning through strategies such as:
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donor advised fund planning
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gifting appreciated assets
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charitable giving as part of a tax strategy
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creating a family giving plan
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aligning charitable goals with long term wealth transfer planning
This allows families to create impact while also building an intentional strategy for wealth.
Preparing the Next Generation
A wealth transfer plan is not only about documents and taxes.
It is also about preparing the next generation to receive and manage wealth responsibly.
Many families want to:
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reduce confusion for heirs
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prevent family conflict
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create clarity around roles and expectations
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help children and grandchildren build financial literacy
We help families create a planning framework that supports both financial and personal outcomes.
Who We Work With
We work with individuals and families who are:
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building long term family wealth
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preparing for wealth transfer to children and grandchildren
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coordinating estate planning and wealth management
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planning for inherited retirement accounts
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incorporating charitable giving into their legacy
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navigating a major transition that impacts family planning
How We Help With Generational Wealth Planning
Generational wealth planning requires coordination across multiple areas of planning.
Our work often includes:
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wealth management aligned with long term family goals
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financial planning and tax planning coordination
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estate planning and trust coordination
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beneficiary strategy and account review
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charitable planning and donor advised fund strategy
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long term planning for future generations
