The $84 TRILLION Wealth Transfer - Is Your Family Prepared?

Anthony Sandomierski |

Over the next 20-30 years, more than $84 trillion will transfer from Baby Boomers to younger generations.

This is expected to be the largest wealth transfer in American history.

Without proper planning, high-net-worth estates can lose 40%+ to taxes and poor execution.

The Cost of Inadequate Planning

Beyond tax exposure, we see families face:

  • Disrupted family unity
  • Failed business succession
  • Squandered generational wealth

Common Costly Mistakes

Procrastination limits options and increases tax exposure
Over-reliance on wills fails to avoid probate or estate taxes
Uninformed heirs often squander inheritances
Uncoordinated advisors create planning gaps and missed opportunities

Our Strategic Approach

We help high-net-worth families preserve wealth through:

Estate Planning Fundamentals – Define your legacy goals before selecting strategies
Trust Structures – Protect assets from taxes, creditors, and poor decisions
Strategic Life Insurance – Create liquidity and tax-free wealth transfers
Charitable Solutions – Reduce taxable estates while building philanthropic legacies
Family Dynamics – Educate heirs and establish sustainable wealth stewardship

Case Study

Elderly Affluent Client

- An elderly affluent client comes to our office. 

- Clearly showing signs of aging. 

- Has an effective estate plan in place. 

What’s the Issue? 

- The client DOES NOT want their heirs (children) to know what they have and ultimately what they are inheriting. 

What Happened?

- The client passed away and DID NOT inform/educate his children on:

  • What they were inheriting
  • How their estate should be administered
  • Giving them time to process this information so they were prepared when the time came. 

Child 1 –

  •  
    • Invested their inheritance wisely for the long term.
    • Took out some money over time to:
      • Cover their children’s college costs
      • Paid down some debt
      • And used some of the money to go on family trips.

Child 2 –

  •  
    • Bought an expensive car
    • Bought a home with a small down payment and massive mortgage they couldn’t afford
    • Failed to consider the tax consequences of spending through the money
    • And ultimately the money ran out in a few years. 

Where Can We Help?

- Smart planning and TOUGH conversations and possibly help Child 2 turn into Child 1. 

- We’re a “shoulder to lean on” here for these cases with our clients.

Why Tax-Focused Planning Matters

- Our clients benefit from coordinated estate and investment strategies specifically designed for high-net worth families

- The idea is to preserve maximum wealth preservation across generations.

The Great Wealth Transfer has already begun. The decisions you make today will determine whether your family's wealth grows or diminishes over the next generation.

Ready to protect your legacy? See our contact info below to schedule a meeting.

 

Sincerely,

Team at Oujo Wealth Strategies

 

Oujo Wealth Strategies
(732)556-4200

team@oujowealth.com
https://www.oujowealth.com

 

 

 

Jack D. Oujo – Financial Advisor Securities offered through Avantax Investment Services℠, Member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services℠. Insurance services offered through an Avantax affiliated insurance agency. Oujo Wealth Strategies is independent of Avantax.