The Great Wealth Transfer: What It Means for Families

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Tens of trillions of dollars are about to change hands between generations. Whether that wealth compounds or leaks depends on how it moves.

Over the coming two decades, an unprecedented amount of wealth will pass from older generations to their heirs. For advisors and families alike, the question is not whether the transfer happens, but how much of it stays intact - and stays in the relationship.

Intra-family lending is one of the most underused levers in that transfer. Instead of heirs borrowing from banks while parents earn little on cash, families can lend internally: the borrower gets fair terms, the lender earns a return, and interest that would have gone to an institution stays inside the family balance sheet.