Generational Wealth - A Legacy of Intention

Generational wealth isn’t about creating endless riches. It’s about creating opportunity — giving your loved ones a stronger financial starting point and a sense of stewardship over what’s been built. By starting early, you’re not just planning for retirement. You’re designing a future where your values, lessons, and resources can continue to make an impact long after you’re gone.

In short: You don’t have to wait to think about legacy — you build it with every intentional decision you make today.

Building a Legacy: How to Create a Multi-Generational Financial Plan

Most of us dream of leaving something lasting behind — not just memories, but a legacy that supports our loved ones for years to come. For many families, that legacy includes financial security, opportunity, and shared values around how wealth is used and sustained.

A multi-generational financial plan is the roadmap that makes that dream possible. It’s about more than saving or investing — it’s about creating a long-term vision that aligns your family’s financial strategy with your goals, values, and hopes for future generations.

Thinking in Generations, Not Just Years

When planning for multiple generations, the timeline extends well beyond one lifetime. The decisions you make today — about investments, estate structure, and education — can shape how your children and grandchildren experience financial stability tomorrow.

A generational plan considers questions like:

• What kind of opportunities do I want my family to have?
• How can I pass on wealth without creating dependency?
• How can our values guide our financial decisions?

This forward-looking mindset turns wealth from something temporary into something transformational.

Laying the Foundation: Trusts and Estate Planning

A key step in multi-generational planning is ensuring your assets transfer smoothly and according to your wishes. Trusts can play a vital role in that process.

Trusts allow you to:

• Protect assets from unnecessary taxes, creditors, or misuse.
• Provide structure for how and when heirs receive funds.
• Support charitable causes that reflect your family’s values.

When combined with thoughtful estate documents — wills, healthcare directives, and powers of attorney — trusts help safeguard your wealth and ensure it’s distributed with intention, not confusion.

Aligning Investments with Long-Term Family Goals

Each generation’s needs and timelines are different. Your investment strategy should reflect that.

• For your lifetime: Balance growth and preservation so your needs are met comfortably and sustainably.
• For the next generation: A longer time horizon allows for a more growth-oriented approach, giving investments time to compound.
• For philanthropy or legacy projects: Consider using donor-advised funds or endowments to support the causes your family cares about most.

A cohesive investment strategy ensures every dollar you’ve earned continues working toward your family’s shared purpose.

The Most Important Element: Communication

Even the best financial plan can falter without open dialogue. Holding regular family meetings to discuss goals, values, and responsibilities can strengthen relationships and ensure everyone understands the “why” behind the plan.

Transparency creates trust — and trust is what keeps wealth and values intact across generations.

Turning Vision into Legacy

Building a multi-generational financial plan isn’t just for the ultra-wealthy. It’s for anyone who wants to use their resources to create opportunity, stability, and meaning for the people they love.

With the right planning, professional guidance, and communication, your financial legacy can do more than last — it can grow, evolve, and inspire generations to come.

Disclosures:

Apella Capital, LLC (“Apella”), DBA Apella Wealth, is an investment advisory firm registered with the Securities and Exchange Commission. The firm only transacts business in states where it is properly registered or excluded or exempt from registration requirements. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Apella Wealth provides this communication as a matter of general information. Any data or statistics quoted are from sources believed to be reliable but cannot be guaranteed or warranted.