Multigenerational financial planning is one plan that covers you, your spouse, your children, and your grandchildren.
One family. One plan with continuity.
Multigenerational Financial Planning
The Reality:
You've built something. Now the questions have changed in order to make it meaningful.
Will my spouse be okay if I go first?
How much should the kids get, and when?
Do we help with the grandkids' college now or leave more later?
What happens to the house? Who makes decisions if one of us can't?
The Problem:
Your attorney drafted the documents.
Your CPA files the return.
Your investment advisor manages the portfolio.
Nobody is in charge of how it all moves from one generation to the next.
Anthony Syracuse, Founder, CFP®
Most family wealth isn't lost to from bad investments.
It's lost to unnecessary tax bills, outdated beneficiary forms, and families at war with each other because there were conversations that never happened.
Your will says one thing. Your IRA beneficiary form says another.
Your kids don't know what exists, where it is, or who to call.
I spent about a decade at Northern Trust and a Beverly Hills family office, working with families who planned in generations, not years.
I bring that same approach to your family.
Fee-only. Fiduciary. No asset transfer required.
The goal is a plan your spouse can rely on, your kids understand, and your grandkids benefit from.
HOW COORDINATION WORKSMAP THE WHOLE FAMILY We put every account, trust, policy, property, and beneficiary form on one page. Then we look for the conflicts and gaps between them.
We become the bridge between your advisors.
PASS IT ON WITH A PLANWhat to give now, what to leave later, and which accounts go to whom. The order matters, because the tax bill your kids get depends on what they inherit, not just how much
PROTECT YOUR SPOUSE FIRST Before anything passes to the kids, we make sure the surviving spouse has income, access, and someone they already know and trust.
BRING IN THE NEXT GENERATIONWhen you're ready, I help you run the family conversation. Your kids learn what to expect and who to call. You decide how much they see.
FREQUENTLY ASKED QUESTIONS
Do I need a financial advisor for generational wealth planning, or just an estate attorney?
You need both, for different jobs. An attorney drafts the documents. A financial advisor decides which assets go where, manages the tax impact, and keeps accounts and beneficiary forms matched to those documents as things change. Most plans fail in that second part, not the first.
How do I find a financial advisor who works with the whole family?
Look for a fee-only fiduciary who is a CFP®, doesn't require you to move assets, and has experience with trusts and family wealth transfer. Ask how they handle confidentiality between parents and adult children. At Dynamic Financial Planning, I work with families nationwide from my office in Scottsdale, Arizona, after 10 years in total working at Northern Trust in Chicago, Los Angeles, and at a family office in Beverly Hills.
How much does multigenerational financial planning cost?
Fee-only means I'm paid directly by you, with no commissions and no products to sell. See Services and Pricing for details.
Do I need a trust, or is a will enough?
A will works for simple situations, but it goes through probate and gives your heirs everything at once. A trust avoids probate, keeps things private, and lets you control timing. If you have minor grandchildren, real estate in more than one state, a blended family, or concerns about how an heir will handle money, a trust is usually worth it.
How do I leave an inheritance fairly when my kids are in different situations?
Fair doesn't always mean equal. One child may have received help with a home, another may work in the family business, another may have special needs. Decide what you want each child to end up with, write down your reasoning, and tell them while you can explain it. Surprises cause more conflict than unequal amounts do.
How do I protect my kids' inheritance if I'm in a second marriage?
This is where plans most often go wrong. If everything passes to your spouse outright, your children may receive nothing. A trust can provide for your spouse for life and then pass what's left to your kids.
How do I help my aging parents with their finances and estate plan?
Start by asking where things are, not how much there is: documents, accounts, and who has authority if they can't act. Make sure powers of attorney and beneficiary forms are current. If they have an advisor or attorney, ask to be introduced now. I often work with adult children and parents together so the plan covers both households.