Family wealth transfer is the intentional movement of assets to younger generations or charities through gifts, trusts, sales, and beneficiary designations. Objectives include tax efficiency, governance, creditor protection, and values-based giving. Coordinated plans align titling, liquidity, and control mechanisms so transfers occur smoothly over time or at death without disrupting businesses or family harmony.

Advisors craft multi-layered plans-annual exclusion gifts, irrevocable trusts, sales, and beneficiary designations-coordinated with insurance for liquidity and equalization. Family meetings clarify governance and intent. Periodic reviews adjust strategies for law changes, valuation shifts, and evolving family goals.