Generational wealth strategies
Homes, accounts, businesses, and the values that go with them, handed to the next generation without losing them to taxes, probate, or confusion.
Jason Tweet
David SchaefferThe most expensive sentence in this whole subject is a short one: we'll figure it out later. Later is usually a week when nobody is thinking clearly, and by then every option that was simple while you were alive has turned complicated.
Generational wealth strategies is the advanced end of our inheritance work, not the whole firm. Most families need the basics done well: a current will, a trust that holds what it is supposed to hold, beneficiary forms that match. Some have more moving parts. A business. A second property. Children in wildly different circumstances.
So we built a dedicated role for it rather than handing the question to whoever answers the phone. Jason Tweet is our Generational Wealth Strategist, and it is the only thing he does.
What generational wealth strategies actually means
What you leave with is your Inheritance Game Plan: what is working, what is exposed, and what to do about it, in plain English and short enough to read in one sitting. It starts with what is right. A real review should tell you plainly that your trust is funded, your home is titled correctly, and your spouse is primary on every account.
Then the exposures. Jason looks at the whole picture instead of one account at a time, because the disagreements only surface when the pages sit side by side. A beneficiary form that contradicts the trust. Retirement money positioned so your children inherit a tax bill on a ten-year clock. Adult children in different circumstances, where an even split is the answer that starts the argument.
Business owners get their own conversation. You spent decades building something valuable, and a will does not transfer a company. There is a successor or a buyer, a valuation, a set of agreements, and a tax event, and the order changes the outcome. With no plan for the day you stop running it, the plan defaults to whatever your family can negotiate under pressure.
There is also the part that never appears on a balance sheet. Most families have the wishes, David Schaeffer says. They just never said them out loud. Money arrives with or without the reasoning behind it, and the families that hold together heard the reasoning first.
We are not a law firm and not a CPA firm. Jason quarterbacks with your estate attorney and your tax professional so every document, account, and form finally says the same thing, and then it gets looked at again next year.
Sound familiar?
- Your will is from another decade, and your accounts have changed a great deal since it was signed.
- A beneficiary form and the trust say two different things, and nobody has checked which one wins.
- You built a business, and there is no plan for the day you stop running it.
- Your children are in very different situations, and splitting it evenly is not really the answer.
- The plan for all of it is that you will figure it out later.
What happens when you sit down with us
or call any office
What to bring
- The will and the trust, plus any amendments you can find.
- A list of your accounts showing the current beneficiary on each one.
- Business paperwork if you own one: the operating agreement, any buy-sell agreement, and your most recent valuation.
- Deeds for your home and any other property.
- Your attorney's and your CPA's names, so we can work with them rather than around them.
Who does this all day
Your Discovery Day
Takes about a minute. Adam from our office calls you back to set the time with the right advisor, in the office nearest you or on Zoom, whichever you prefer.
- About an hour with an advisor.
- Bring whatever is keeping you up at night. That is the agenda.
- Discovery Day, not decision day. You decide when you are ready.
Rather talk now? (602) 281-3898
Request your Discovery Day
We will call you to set the time.
Got it. Adam will call you.
Usually within one business day, to set up your Discovery Day with the right advisor. Would you rather pick a time yourself right now?
Choose a time on the calendarStraight answers
Is this different from what my estate attorney already does?
Yes, and it does not replace them. Your attorney drafts documents. We check whether the rest of your financial life agrees with those documents. Most of what we find is not a drafting problem. It is a form, a title, or a funding step that never got finished.
Our estate is not enormous. Is this for us?
Federal estate tax is not the issue for most families. For someone who dies in 2026, an estate tax return is generally required when the gross estate, increased by adjusted taxable gifts and the specific gift tax exemption, is worth more than $15,000,000. There are other reasons a family files one, and that is a question for your CPA. What actually reaches ordinary families is probate, income tax on inherited retirement accounts, and assets titled wrong.
What is the ten-year rule I keep hearing about?
It governs most inherited retirement accounts. A designated beneficiary who is not an eligible designated beneficiary must withdraw the entire balance of the IRA by December 31 of the year containing the 10th anniversary of the owner's death. A surviving spouse, a minor child, a disabled or chronically ill individual, and anyone not more than 10 years younger than the owner are treated differently.
I own a business. What happens the day I stop running it?
Whatever you arranged in advance, or whatever your family can work out under pressure. A will can move ownership, but it does not create a buyer, a price, or a management plan. Jason maps the exit alongside the rest of your estate.
My children are in very different situations. Do we have to split everything evenly?
No, and pretending otherwise is where families come apart. Equal and fair are not the same thing. What matters more than the split is that your reasoning is written down and, better still, said out loud while you are here to say it.
What is the BeneficiaryBox?
It is one organized place where every document, account, and beneficiary form lives, so your family can find all of it in the week they need it. It came out of watching families hunt through drawers at the worst possible time.