Strategic Wealth Transfer Tactics for the Coming $84 Trillion Inheritance Wave

The largest intergenerational wealth transfer in history is underway, with $84 trillion expected to shift from baby boomers to younger generations over the next 20 years. This seismic movement of capital demands sophisticated planning strategies to preserve family legacies while navigating complex tax landscapes.

Seven key tactics emerge as critical for effective wealth transfer: multigenerational communication establishes trust and alignment, while properly structured estate documents FORM the legal foundation. Strategic gifting and innovative trust structures like FLPs and ILITs offer tax-efficient pathways, with IDGTs and SLATs providing additional flexibility for high-net-worth families.

The convergence of these strategies creates a comprehensive framework for legacy planning. As wealth transfers accelerate, families adopting these approaches position themselves to maintain financial stability across generations while minimizing familial discord.