Legacy Planning Archives

Inherited Roth IRAs: What Happens After the Climb

Hiking is a choice, which is something I occasionally have to remind myself of when I’m several hours into a long, arduous walk with friends, my legs are beginning to object, and I’m wondering why I voluntarily decided that climbing a particular mountain was a worthwhile way to spend a day. There is something inherently ridiculous about hiking when you stop to think about it. Most of our adventures amount to spending an enormous amount of time and energy finding the most inconvenient possible way to return to the exact same parking lot we left that morning, and somehow, we consider that a successful outcome.

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The Great Wealth Transfer Has a Real-Estate Problem Hiding Inside It

September 23, 2026 | in Estate Planning, Financial Planning, Legacy Planning, Retirement Planning

An August 31, 2026 LendingTree study included one of those numbers so large it’s hard to fathom its sheer size: Americans age 65 and older who own homes could transfer roughly $17.2 trillion of wealth to younger generations over the next twenty years.1

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Supercharging Roth Conversions with Charitable Giving

June 10, 2026 | in Estate Planning, Financial Planning, Legacy Planning

What I’ve learned is that backpacking isn’t about adding comfortable, luxurious items to my pack. It’s about figuring out what you can remove without sacrificing the experience. Nobody reaches mile 15 wishing they had packed more stuff. The biggest gains usually come from eliminating the things that were weighing me down in the first place.
Financial planning tends to work the same way. When we’re building wealth, most of our focus is on accumulation. We spend decades adding. More savings, more investments, and more retirement accounts. And at some point, we’ve added so much that we’re not quite sure what’s in our “pack.”