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ESTATE & GENERATIONAL PLANNING
Structures that endure. Continuity that doesn't require you to orchestrate it.
Estate planning at this level is not a document you file and forget. It requires ongoing attention — revisited as wealth grows, laws change, families evolve, and the next generation moves closer to stewardship. We provide that continuity.
Most estate plans are filed once and revisited rarely.
That's where value erodes.
Families at this level typically have an estate plan in place. What most lack is the ongoing discipline to maintain it — as the tax environment shifts, as new assets are acquired, as family structures evolve, and as the generation being planned for moves into view.
We are risk managers first. That means we push back on FOMO-driven decisions. We don't chase the current trade. We build portfolios designed to perform well when markets are difficult — not just when they're easy. A strategy that produces consistent, reliable gains across market cycles is worth more than one that leads in the good years and breaks in the bad ones.
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The right structure at the right time.
And coordinated with everything else.
The effectiveness of a transfer planning strategy depends heavily on when it's implemented, how it's funded, and how it interacts with the rest of your estate framework. We ensure these decisions are made with full context — coordinated across investment, tax, and legal counsel so that nothing is done in isolation from its broader implications.
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A framework for how decisions get made.
Before they become disputes.
For families managing wealth across multiple generations, governance is the structure that prevents complexity from becoming conflict. We help families develop the policies, processes, and communication frameworks that keep wealth aligned with family values over time — before the absence of a framework becomes apparent at the worst possible moment.
Stewardship is learned.
It doesn't transfer automatically with the assets.
The coming decade will see one of the largest intergenerational wealth transfers in history. For many of our clients' families, that transfer is already in motion. The next generation's ability to steward significant wealth responsibly is not a matter of intelligence or character — it's a matter of preparation.
We work directly with rising family members: helping them understand the structures they'll inherit, developing their financial judgment, and orienting them toward the responsibilities that accompany significant wealth.
In some cases, this occurs as part of a broader family relationship. In others, next-generation members seek a more independent advisory relationship while remaining coordinated with the broader family structure, planning, and governance framework. We do this not as a program, but as an ongoing part of the relationship we maintain with the family as a whole.
tailored to age and context.
Philantropy structured as part of the financial plan.
Not separate from it.
Charitable giving at the UHNW level is a planning discipline with meaningful implications for income tax, estate tax, and asset allocation. We integrate philanthropic strategy into the overall financial plan, ensuring that giving decisions are structured to achieve both family and charitable objectives as efficiently as possible.
If your estate framework hasn't been reviewed recently, that gap is growing.
The longer a plan goes without review, the further it drifts from the family's actual situation. If your estate structures haven't been revisited in the last two or three years — or if a major change in wealth, family composition, or tax law has occurred in that time — a conversation with CoastEdge is a practical first step.
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