Multi-Generational Planning
Plan across generations — for what you pass down, how you pass it, and when.
For Those Who Come Next
It's in our DNA to protect and provide for the next generation. Multi-generational planning helps you document your wishes and establish the structures that carry them out.
So your children and grandchildren are provided for long-term — with clarity about what you've built and why it matters.
What we plan for
- Education — 529 plans, custodial accounts, and direct tuition payments
- Down payments and first homes — gifting strategies that don't burden the recipient with taxes
- Inherited IRAs — SECURE Act rules, the 10-year distribution window, and how beneficiaries should plan
- Generation-skipping strategies — trusts and exemption planning where appropriate
- Family meetings — teaching the next generation how money works, and what you've built
- Shared legacy decisions — charitable giving, business succession, real estate
Beyond the money
The most durable family legacies aren't just financial — they're cultural. We help families articulate values, set expectations, and prepare heirs so that inheritance strengthens the next generation rather than derailing it.
Our fit in the process
We work alongside your estate attorney, CPA, and (where relevant) family-business advisors. We bring the investment and cash-flow modeling, the beneficiary coordination, and the long-term perspective that pulls the whole plan together.
Ready to start your journey with Wilco?
It all starts with a conversation.