如果你足够幸运,拥有能产生现金的企业,并且是孩子的父母, 你需要做出一些重要的遗产规划决定,比如何时开始将财富转移给下一代.  Ask your friends what they do, and responses will range from “We want to preserve wealth; they will get it when they are 50” to “Wealth is to enjoy!  We let them have access to their stock when they reach their 18th birthdays.”  So, what is the best approach?

m88体育发现,那些花时间回答一些关于他们生活信念的基本问题的家庭,在他们回答何时传承财富的问题时,会发现更大的安全感.

First, 家庭考虑他们最大的希望和愿望是什么,他们希望下一代将采用的品质和价值观.  他们关注的是他们希望下一代成为什么样的人,而不是关注给予什么.

While each family is different, some common hopes we hear include,

“We want our children to:

  • Know the self-worth and self-respect that comes from making one’s own path.”
  • Use their lives to make the world a better place.”
  • Take responsibility for their actions.”
  • Pursue their dreams with courage and passion.”
  • Know what it is like to work hard for a living.”
  • Have the opportunity to pursue their individual passions.”
  • 通过接触不同的文化和信仰体系,培养广阔的世界观.”


这个过程揭示了m88体育对财富和接触财富时机的更深层信念的线索.  这个过程可以由一组父母完成,也可以由整个成年家庭完成.

We can then explore how our gifts and transfers may impact our children.  For example, 如果m88体育想让m88体育的孩子体验开拓自己的道路并感激辛勤工作, m88体育可能希望推迟向他们提供流动资产,直到他们35岁左右或以上, after they have had enough time to do so.  Or if we place a very high value on entrepreneurial endeavors, m88体育可能想在他们快30岁或30岁出头的时候释放一部分财富, when entrepreneurial zeal and life experience begin to culminate.  当一个家庭评估其当前的行为是否符合其预期愿景时,这种探索过程的一个附带好处就出现了.  这使家庭能够对其规范和努力作出调整,以实现其集体目标.

Our experience has shown that while no rule of thumb is true all the time, 当成年的孩子们体验到早年成功的自豪感时, 他们更有可能拥有更高的自我价值,在成年后成为对社会有贡献的成员.  许多家庭寻求中间立场,将大量财富的转移推迟到成年中期.e., 35–45) but will gift some amount annually (e.g., $12,000) just to help the young adults “enjoy” the developing years.  这个决定总是要考虑到年轻一代朝着确定的“生活希望”所取得的进展.“如果一个年轻人利用天赋去过一种与所陈述的梦想不符的生活.g., drug use, no pursuits), 父母总是可以把这些礼物转到信托机构,以便以后使用或放弃这些礼物. 父母也可以建立信托基金,基于既定的预期,如果表现出可接受的行为,就可以获得资金.

Of course, none of these decisions occurs in a vacuum.  需要一个过程来阐明老一辈人的愿景和价值观, 鼓励下一代去理解和拥抱他们,也要融入年轻一代独特的希望和梦想.  Vision and values are a common topic on family meeting agendas.  作为家庭构成的一部分,起草一份愿景和价值观声明可以是一项很棒的跨代项目.  However, you choose to discuss vision and values, 努力建立这些程序的家庭往往会对它们的力量感到惊讶.