Retaining Assets Across Generations: An RIA Playbook

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A practical framework for keeping capital and clients through the transfer.

Retention across generations comes down to three moves: map the family early, deliver value to the next generation before the transfer, and give the whole family reasons to keep their balance sheet in one place. Most firms do the first and skip the second.

Intra-family lending supports all three. It surfaces the next generation, creates an early service moment with them, and consolidates informal family money - which tends to bring the rest of the household's assets along with it. It is retention disguised as a helpful product.