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Start conversations with your family early and find advisors you can trust. With a family wealth transfer, explain your intention and help beneficiaries learn their roles and responsibilities. ",[990],{"type":129,"attrs":991},{"color":773},{"type":764,"attrs":993,"content":994},{"level":766,"textAlign":34},[995],{"text":996,"type":22,"marks":997},"What are the best strategies for family wealth transfer?",[998],{"type":129,"attrs":999},{"color":773},{"type":18,"attrs":1001,"content":1002},{"textAlign":34},[1003],{"text":1004,"type":22,"marks":1005},"When you get into the details of transferring wealth, you may want to look closely at some of the following strategies. ",[1006],{"type":129,"attrs":1007},{"color":773},{"type":764,"attrs":1009,"content":1011},{"level":1010,"textAlign":34},3,[1012],{"text":1013,"type":22,"marks":1014},"Tax planning strategies",[1015],{"type":129,"attrs":1016},{"color":1017},"#434343",{"type":18,"attrs":1019,"content":1020},{"textAlign":34},[1021,1030],{"text":1022,"type":22,"marks":1023},"Tax-efficient strategies",[1024,1027,1029],{"type":31,"attrs":1025},{"href":1026,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes/what-is-tax-planning",{"type":129,"attrs":1028},{"color":821},{"type":823},{"text":1031,"type":22,"marks":1032}," for transferring wealth may be top of mind due to the amount of money you could owe the government upon your passing. Understand what taxes may apply to you, and enlist the help of a tax planning expert for advanced strategies.  ",[1033],{"type":129,"attrs":1034},{"color":773},{"type":18,"attrs":1036,"content":1037},{"textAlign":34},[1038],{"text":1039,"type":22,"marks":1040},"Some that you may want to consider include:",[1041],{"type":129,"attrs":1042},{"color":773},{"type":775,"content":1044},[1045,1061,1077,1093,1109,1125,1155],{"type":778,"content":1046},[1047],{"type":18,"attrs":1048,"content":1049},{"textAlign":34},[1050,1056],{"text":1051,"type":22,"marks":1052},"Use tax-advantaged accounts strategically:",[1053,1055],{"type":129,"attrs":1054},{"color":773},{"type":38},{"text":1057,"type":22,"marks":1058}," Retirement accounts, HSAs, and other tax-advantaged accounts can increase tax efficiency and preserve more wealth for future generations. ",[1059],{"type":129,"attrs":1060},{"color":773},{"type":778,"content":1062},[1063],{"type":18,"attrs":1064,"content":1065},{"textAlign":34},[1066,1072],{"text":1067,"type":22,"marks":1068},"Strategize with tax-loss harvesting: ",[1069,1071],{"type":129,"attrs":1070},{"color":773},{"type":38},{"text":1073,"type":22,"marks":1074},"You may be able to reduce capital gains with tax-loss harvesting. ",[1075],{"type":129,"attrs":1076},{"color":773},{"type":778,"content":1078},[1079],{"type":18,"attrs":1080,"content":1081},{"textAlign":34},[1082,1088],{"text":1083,"type":22,"marks":1084},"Take advantage of deductions and gifting: ",[1085,1087],{"type":129,"attrs":1086},{"color":773},{"type":38},{"text":1089,"type":22,"marks":1090},"Strategic gifting can reduce the size of your estate. Gifts under the annual federal gift exclusion amount aren’t subject to taxes and don’t count toward the lifetime exemption. ",[1091],{"type":129,"attrs":1092},{"color":773},{"type":778,"content":1094},[1095],{"type":18,"attrs":1096,"content":1097},{"textAlign":34},[1098,1104],{"text":1099,"type":22,"marks":1100},"Manage capital gains:",[1101,1103],{"type":129,"attrs":1102},{"color":773},{"type":38},{"text":1105,"type":22,"marks":1106}," Where possible, plan for gifting assets where a step-up basis can reduce or eliminate capital gains. ",[1107],{"type":129,"attrs":1108},{"color":773},{"type":778,"content":1110},[1111],{"type":18,"attrs":1112,"content":1113},{"textAlign":34},[1114,1120],{"text":1115,"type":22,"marks":1116},"Plan around income thresholds:",[1117,1119],{"type":129,"attrs":1118},{"color":773},{"type":38},{"text":1121,"type":22,"marks":1122}," Strategic withdrawals, Roth conversions, and asset transfers can help you stay within more favorable tax brackets.",[1123],{"type":129,"attrs":1124},{"color":773},{"type":778,"content":1126},[1127],{"type":18,"attrs":1128,"content":1129},{"textAlign":34},[1130,1136,1141,1150],{"text":1131,"type":22,"marks":1132},"Asset location: ",[1133,1135],{"type":129,"attrs":1134},{"color":773},{"type":38},{"text":1137,"type":22,"marks":1138},"The account where you put certain assets matters. Tax-inefficient assets may work better in a tax-efficient account, while tax-efficient assets may be placed in taxable ",[1139],{"type":129,"attrs":1140},{"color":773},{"text":1142,"type":22,"marks":1143},"brokerage accounts",[1144,1147,1149],{"type":31,"attrs":1145},{"href":1146,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/what-is-a-brokerage-account",{"type":129,"attrs":1148},{"color":821},{"type":823},{"text":1151,"type":22,"marks":1152},". ",[1153],{"type":129,"attrs":1154},{"color":773},{"type":778,"content":1156},[1157],{"type":18,"attrs":1158,"content":1159},{"textAlign":34},[1160,1166],{"text":1161,"type":22,"marks":1162},"Retirement contributions: ",[1163,1165],{"type":129,"attrs":1164},{"color":773},{"type":38},{"text":1167,"type":22,"marks":1168},"Maximizing retirement savings can lower taxable income today while supporting long-term financial goals for the family.",[1169],{"type":129,"attrs":1170},{"color":773},{"type":764,"attrs":1172,"content":1173},{"level":1010,"textAlign":34},[1174],{"text":1175,"type":22,"marks":1176},"Annual gifting",[1177],{"type":129,"attrs":1178},{"color":1017},{"type":18,"attrs":1180,"content":1181},{"textAlign":34},[1182],{"text":1183,"type":22,"marks":1184},"You may give up to $19,000 per person each year without paying taxes on it or using up your lifetime gift and estate exclusion. The amount is multiplied when both you and your spouse give this amount to a child, doubling the amount you can give to a single person. ",[1185],{"type":129,"attrs":1186},{"color":773},{"type":18,"attrs":1188,"content":1189},{"textAlign":34},[1190],{"text":1191,"type":22,"marks":1192},"Direct payments for education or medical gifts are not subject to the IRS’s annual gift tax limit. ",[1193],{"type":129,"attrs":1194},{"color":773},{"type":18,"attrs":1196,"content":1197},{"textAlign":34},[1198],{"text":1199,"type":22,"marks":1200},"You might consider upstream gifting to an elderly parent to reduce taxes. With this strategy, it’s important to be aware of the rules and consequences so it doesn’t backfire on you or your parents. ",[1201],{"type":129,"attrs":1202},{"color":773},{"type":18,"attrs":1204,"content":1205},{"textAlign":34},[1206,1211,1220],{"text":1207,"type":22,"marks":1208},"Transferring wealth early can help you reduce the ",[1209],{"type":129,"attrs":1210},{"color":773},{"text":1212,"type":22,"marks":1213},"taxes",[1214,1217,1219],{"type":31,"attrs":1215},{"href":1216,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes",{"type":129,"attrs":1218},{"color":821},{"type":823},{"text":1221,"type":22,"marks":1222}," you’ll pay now, while also reducing the size of your estate to minimize estate taxes later. ",[1223],{"type":129,"attrs":1224},{"color":773},{"type":764,"attrs":1226,"content":1227},{"level":1010,"textAlign":34},[1228],{"text":1229,"type":22,"marks":1230},"Set up family governance and estate planning",[1231],{"type":129,"attrs":1232},{"color":1017},{"type":18,"attrs":1234,"content":1235},{"textAlign":34},[1236],{"text":1237,"type":22,"marks":1238},"A big part of efficiently transferring wealth is setting up systems to help the family make decisions. Enter family governance, the set of principles, practices, and systems that help guide a family’s decision-making regarding its wealth. It brings clarity and purpose while reducing conflict (ideally). ",[1239],{"type":129,"attrs":1240},{"color":773},{"type":18,"attrs":1242,"content":1243},{"textAlign":34},[1244],{"text":1245,"type":22,"marks":1246},"For example, a family can set up governance for how family members can gain access to wealth to support education, entrepreneurship, homeownership, and more. ",[1247],{"type":129,"attrs":1248},{"color":773},{"type":18,"attrs":1250,"content":1251},{"textAlign":34},[1252,1260],{"text":879,"type":22,"marks":1253},[1254,1257,1259],{"type":31,"attrs":1255},{"href":1256,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/retirement/what-is-estate-planning",{"type":129,"attrs":1258},{"color":821},{"type":823},{"text":1261,"type":22,"marks":1262}," is also a critical component of transferring wealth efficiently. Tools such as trusts, wills, power of attorney, health care and medical directives, end-of-life plans, and plans for estate and inheritance taxes can be utilized to help preserve wealth. ",[1263],{"type":129,"attrs":1264},{"color":773},{"type":764,"attrs":1266,"content":1267},{"level":1010,"textAlign":34},[1268],{"text":1269,"type":22,"marks":1270},"Charitable planning",[1271],{"type":129,"attrs":1272},{"color":1017},{"type":18,"attrs":1274,"content":1275},{"textAlign":34},[1276,1281,1290],{"text":1277,"type":22,"marks":1278},"The value of ",[1279],{"type":129,"attrs":1280},{"color":773},{"text":1282,"type":22,"marks":1283},"donations to charities",[1284,1287,1289],{"type":31,"attrs":1285},{"href":1286,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes/7-ways-to-reduce-your-tax-liability",{"type":129,"attrs":1288},{"color":821},{"type":823},{"text":1291,"type":22,"marks":1292}," is deductible from the value of your estate and doesn’t count towards your lifetime gifting and estate exemption amount. As a family, you can discuss which causes you want to support, set up trusts to fund them, and plan other charitable gifts as a family.",[1293],{"type":129,"attrs":1294},{"color":773},{"type":764,"attrs":1296,"content":1297},{"level":1010,"textAlign":34},[1298],{"text":1299,"type":22,"marks":1300},"Business succession planning ",[1301],{"type":129,"attrs":1302},{"color":1017},{"type":18,"attrs":1304,"content":1305},{"textAlign":34},[1306,1311,1320],{"text":1307,"type":22,"marks":1308},"Many families with wealth have businesses that need succession plans. A succession plan is where a company identifies critical leadership roles and identifies possible replacements to ensure business continuity. Whether that’s identifying family members that can serve in leadership positions or an ",[1309],{"type":129,"attrs":1310},{"color":773},{"text":1312,"type":22,"marks":1313},"exit strategy",[1314,1317,1319],{"type":31,"attrs":1315},{"href":1316,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/financial-advice/business-exit-planning",{"type":129,"attrs":1318},{"color":821},{"type":823},{"text":1321,"type":22,"marks":1322},", having a plan in place helps ensure the business provides the expected wealth to the family. ",[1323],{"type":129,"attrs":1324},{"color":773},{"type":764,"attrs":1326,"content":1327},{"level":766,"textAlign":34},[1328],{"text":1329,"type":22,"marks":1330},"How to start your family wealth transfer?",[1331],{"type":129,"attrs":1332},{"color":773},{"type":764,"attrs":1334,"content":1335},{"level":1010,"textAlign":34},[1336],{"text":1337,"type":22,"marks":1338},"Step 1: Define goals",[1339],{"type":129,"attrs":1340},{"color":1017},{"type":18,"attrs":1342,"content":1343},{"textAlign":34},[1344],{"text":1345,"type":22,"marks":1346},"Start with clarity. Transferring wealth begins with your goals. How do you want your wealth to benefit your family, heirs, and philanthropic causes? Have a family meeting and involve everyone. Discuss financial literacy and core values. Create a shared vision for the future, with aligned values and goals. ",[1347],{"type":129,"attrs":1348},{"color":773},{"type":764,"attrs":1350,"content":1351},{"level":1010,"textAlign":34},[1352],{"text":1353,"type":22,"marks":1354},"Step 2: Take an accounting of your assets",[1355],{"type":129,"attrs":1356},{"color":1017},{"type":18,"attrs":1358,"content":1359},{"textAlign":34},[1360],{"text":1361,"type":22,"marks":1362},"Make a comprehensive list of your assets and name a beneficiary for each. Key assets to inventory may include:",[1363],{"type":129,"attrs":1364},{"color":773},{"type":775,"content":1366},[1367,1377,1387,1397,1407,1417,1427],{"type":778,"content":1368},[1369],{"type":18,"attrs":1370,"content":1371},{"textAlign":34},[1372],{"text":1373,"type":22,"marks":1374},"Real estate, such as your primary residence, vacation homes, rental properties, and land.",[1375],{"type":129,"attrs":1376},{"color":773},{"type":778,"content":1378},[1379],{"type":18,"attrs":1380,"content":1381},{"textAlign":34},[1382],{"text":1383,"type":22,"marks":1384},"Bank accounts, brokerage accounts, ",[1385],{"type":129,"attrs":1386},{"color":773},{"type":778,"content":1388},[1389],{"type":18,"attrs":1390,"content":1391},{"textAlign":34},[1392],{"text":1393,"type":22,"marks":1394},"Investments, retirement accounts, bank accounts, ",[1395],{"type":129,"attrs":1396},{"color":773},{"type":778,"content":1398},[1399],{"type":18,"attrs":1400,"content":1401},{"textAlign":34},[1402],{"text":1403,"type":22,"marks":1404},"Business interests, such as partnerships, LLCs, and intellectual property.",[1405],{"type":129,"attrs":1406},{"color":773},{"type":778,"content":1408},[1409],{"type":18,"attrs":1410,"content":1411},{"textAlign":34},[1412],{"text":1413,"type":22,"marks":1414},"Personal property, such as vehicles, art, antiques, collectibles, or other valuables. ",[1415],{"type":129,"attrs":1416},{"color":773},{"type":778,"content":1418},[1419],{"type":18,"attrs":1420,"content":1421},{"textAlign":34},[1422],{"text":1423,"type":22,"marks":1424},"Life insurance annuities.",[1425],{"type":129,"attrs":1426},{"color":773},{"type":778,"content":1428},[1429],{"type":18,"attrs":1430,"content":1431},{"textAlign":34},[1432],{"text":1433,"type":22,"marks":1434},"Digital assets, such as cryptocurrency, monetized websites, and social media accounts. ",[1435],{"type":129,"attrs":1436},{"color":773},{"type":764,"attrs":1438,"content":1439},{"level":1010,"textAlign":34},[1440],{"text":1441,"type":22,"marks":1442},"Step 3: Build your advisory team",[1443],{"type":129,"attrs":1444},{"color":1017},{"type":18,"attrs":1446,"content":1447},{"textAlign":34},[1448],{"text":1449,"type":22,"marks":1450},"For significant family wealth, you’ll want experts to help advise your decision-making. Each has a role in creating an integrated plan to transfer wealth. Consider the following team members:",[1451],{"type":129,"attrs":1452},{"color":773},{"type":775,"content":1454},[1455,1485,1501,1517,1542,1558],{"type":778,"content":1456},[1457],{"type":18,"attrs":1458,"content":1459},{"textAlign":34},[1460,1466,1471,1480],{"text":1461,"type":22,"marks":1462},"Estate planning attorney: ",[1463,1465],{"type":129,"attrs":1464},{"color":773},{"type":38},{"text":1467,"type":22,"marks":1468},"An attorney drafts wills, sets up ",[1469],{"type":129,"attrs":1470},{"color":773},{"text":1472,"type":22,"marks":1473},"trusts",[1474,1477,1479],{"type":31,"attrs":1475},{"href":1476,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/financial-advice/what-is-a-family-trust-and-how-does-it-work-",{"type":129,"attrs":1478},{"color":821},{"type":823},{"text":1481,"type":22,"marks":1482}," and other legal structures to minimize taxes and transfer wealth as efficiently as possible. ",[1483],{"type":129,"attrs":1484},{"color":773},{"type":778,"content":1486},[1487],{"type":18,"attrs":1488,"content":1489},{"textAlign":34},[1490,1496],{"text":1491,"type":22,"marks":1492},"Tax advisor/CPA:",[1493,1495],{"type":129,"attrs":1494},{"color":773},{"type":38},{"text":1497,"type":22,"marks":1498}," A tax advisor guides tax planning strategies and ensures compliance with tax laws.",[1499],{"type":129,"attrs":1500},{"color":773},{"type":778,"content":1502},[1503],{"type":18,"attrs":1504,"content":1505},{"textAlign":34},[1506,1512],{"text":1507,"type":22,"marks":1508},"Trust officer or trustee: ",[1509,1511],{"type":129,"attrs":1510},{"color":773},{"type":38},{"text":1513,"type":22,"marks":1514},"You’ll need someone to administer the trusts and ensure instructions are followed as per the trust documents.  ",[1515],{"type":129,"attrs":1516},{"color":773},{"type":778,"content":1518},[1519],{"type":18,"attrs":1520,"content":1521},{"textAlign":34},[1522,1528,1537],{"text":1523,"type":22,"marks":1524},"Financial advisor: ",[1525,1527],{"type":129,"attrs":1526},{"color":773},{"type":38},{"text":1529,"type":22,"marks":1530},"Financial advisors",[1531,1534,1536],{"type":31,"attrs":1532},{"href":1533,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/financial-advice/financial-advisor#What-services-do-financial-advisors-provide",{"type":129,"attrs":1535},{"color":821},{"type":823},{"text":1538,"type":22,"marks":1539}," set up and manage investments, create and maintain a financial plan, plan for retirement, and do many other things. ",[1540],{"type":129,"attrs":1541},{"color":773},{"type":778,"content":1543},[1544],{"type":18,"attrs":1545,"content":1546},{"textAlign":34},[1547,1553],{"text":1548,"type":22,"marks":1549},"Insurance advisor: ",[1550,1552],{"type":129,"attrs":1551},{"color":773},{"type":38},{"text":1554,"type":22,"marks":1555},"You may need an expert to steer you in the right direction of insurance, risk management, and protecting family wealth.  ",[1556],{"type":129,"attrs":1557},{"color":773},{"type":778,"content":1559},[1560],{"type":18,"attrs":1561,"content":1562},{"textAlign":34},[1563,1569],{"text":1564,"type":22,"marks":1565},"Philanthropic advisor: ",[1566,1568],{"type":129,"attrs":1567},{"color":773},{"type":38},{"text":1570,"type":22,"marks":1571},"Tapping someone with the expertise to set up and manage charitable causes may be on your list.",[1572],{"type":129,"attrs":1573},{"color":773},{"type":764,"attrs":1575,"content":1576},{"level":1010,"textAlign":34},[1577],{"text":1578,"type":22,"marks":1579},"Step 4: Implement strategies ",[1580],{"type":129,"attrs":1581},{"color":1017},{"type":18,"attrs":1583,"content":1584},{"textAlign":34},[1585],{"text":1586,"type":22,"marks":1587},"Follow through with recommendations made by your advisory team. Some of these may include: ",[1588],{"type":129,"attrs":1589},{"color":773},{"type":775,"content":1591},[1592,1602,1612,1622,1632,1642,1652],{"type":778,"content":1593},[1594],{"type":18,"attrs":1595,"content":1596},{"textAlign":34},[1597],{"text":1598,"type":22,"marks":1599},"Setting up and funding trusts",[1600],{"type":129,"attrs":1601},{"color":773},{"type":778,"content":1603},[1604],{"type":18,"attrs":1605,"content":1606},{"textAlign":34},[1607],{"text":1608,"type":22,"marks":1609},"Formalizing business succession plans",[1610],{"type":129,"attrs":1611},{"color":773},{"type":778,"content":1613},[1614],{"type":18,"attrs":1615,"content":1616},{"textAlign":34},[1617],{"text":1618,"type":22,"marks":1619},"Planning annual gifting",[1620],{"type":129,"attrs":1621},{"color":773},{"type":778,"content":1623},[1624],{"type":18,"attrs":1625,"content":1626},{"textAlign":34},[1627],{"text":1628,"type":22,"marks":1629},"Setting up charitable giving",[1630],{"type":129,"attrs":1631},{"color":773},{"type":778,"content":1633},[1634],{"type":18,"attrs":1635,"content":1636},{"textAlign":34},[1637],{"text":1638,"type":22,"marks":1639},"Setting up family governance and estate plans",[1640],{"type":129,"attrs":1641},{"color":773},{"type":778,"content":1643},[1644],{"type":18,"attrs":1645,"content":1646},{"textAlign":34},[1647],{"text":1648,"type":22,"marks":1649},"Designating beneficiaries",[1650],{"type":129,"attrs":1651},{"color":773},{"type":778,"content":1653},[1654],{"type":18,"attrs":1655,"content":1656},{"textAlign":34},[1657],{"text":1658,"type":22,"marks":1659},"Putting in place tax-efficient strategies",[1660],{"type":129,"attrs":1661},{"color":773},{"type":764,"attrs":1663,"content":1664},{"level":1010,"textAlign":34},[1665],{"text":1666,"type":22,"marks":1667},"Step 5: Communicate the plan and review often",[1668],{"type":129,"attrs":1669},{"color":1017},{"type":18,"attrs":1671,"content":1672},{"textAlign":34},[1673],{"text":1674,"type":22,"marks":1675},"Keep heirs informed of your plans and prepare them for the financial responsibility that comes with wealth. ",[1676],{"type":129,"attrs":1677},{"color":773},{"type":18,"attrs":1679,"content":1680},{"textAlign":34},[1681],{"text":1682,"type":22,"marks":1683},"Review your wealth transfer plan regularly. Laws change, priorities shift, financial situations alter, and it’s worthwhile to evaluate and adjust your plan as needed. ",[1684],{"type":129,"attrs":1685},{"color":773},{"type":764,"attrs":1687,"content":1688},{"level":766,"textAlign":34},[1689],{"text":1690,"type":22,"marks":1691},"Bottom line",[1692],{"type":129,"attrs":1693},{"color":773},{"type":18,"attrs":1695,"content":1696},{"textAlign":34},[1697],{"text":1698,"type":22,"marks":1699},"Transferring wealth can be an emotional and complex process. There’s much to be said for seeking professional advice. ",[1700],{"type":129,"attrs":1701},{"color":773},{"type":18,"attrs":1703,"content":1704},{"textAlign":34},[1705,1713],{"text":814,"type":22,"marks":1706},[1707,1710,1712],{"type":31,"attrs":1708},{"href":1709,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/",{"type":129,"attrs":1711},{"color":821},{"type":823},{"text":1714,"type":22,"marks":1715}," can match you with a financial advisor to answer your questions about tax and estate planning, investing, retirement, and more. ",[1716],{"type":129,"attrs":1717},{"color":773},"article-rich-text",[1720],{"_uid":1721,"image":1722,"title":1727,"subtitle":12,"component":1736,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1723,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1724,"copyright":12,"fieldtype":1725,"meta_data":1726,"is_external_url":543},173568808791401,"https://a.storyblok.com/f/185166/6720x4480/b9c30c655a/family-wealth-transfer.jpg","asset",{},{"type":15,"content":1728},[1729],{"type":18,"attrs":1730,"content":1731},{"textAlign":34},[1732],{"text":750,"type":22,"marks":1733},[1734],{"type":129,"attrs":1735},{"color":773},"app-hero",{"name":1738,"created_at":1739,"published_at":1740,"updated_at":1741,"id":1742,"uuid":1743,"content":1744,"slug":1755,"full_slug":1756,"sort_by_date":34,"position":1757,"tag_list":1758,"is_startpage":543,"parent_id":1759,"meta_data":34,"group_id":1760,"first_published_at":1761,"release_id":34,"lang":730,"path":34,"alternates":1762,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Alene Laney","2025-01-10T11:20:16.824Z","2025-07-31T11:31:28.400Z","2025-07-31T11:31:28.412Z",607140568,"fa11c784-d733-4cc0-a8ec-90a90154b805",{"job":1745,"_uid":1746,"name":1738,"image":1747,"component":1751,"education":1752,"expertise":1753,"description":1754},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1748,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1749,"copyright":12,"fieldtype":1725,"meta_data":1750,"is_external_url":543},19801386,"https://a.storyblok.com/f/185166/1986x1986/48279a1e44/alene-laney.jpg",{},"article-author","University of Utah, BA in English Literature & History ","Laney has more than 10 years of experience in media, including newsprint, public relations, marketing, and SEO content writing. \nHer work has been featured in national publications such as The Wall Street Journal, Fox Business, SoFi, Credible, and others.","Alene Laney is an award-winning journalist for Unbiased, where she breaks down financial topics related to retirement, investing, and banking. \n\nShe specializes in helping readers make the best decisions for their money with long-form content for brands and consumer publications.","alene-laney","authors/alene-laney",-20,[],224651374,"e2751bd8-55e4-46e9-94e4-ccce2929794c","2025-01-10T11:21:18.666Z",[],[1764],{"_uid":1765,"body":1766,"title":1779,"component":1780},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1767,1771,1775],{"_uid":1768,"href":1769,"text":1770,"component":542,"openInNewWindow":558},"6e3a85ad-d0a7-45cc-9661-3f0781e0df39","unbiased.com/discover/financial-advice/family-office","What is a family office?",{"_uid":1772,"href":1773,"text":1774,"component":542,"openInNewWindow":558},"e514f633-d428-4f7b-9352-c1152a794d00","unbiased.com/discover/financial-advice/what-is-a-multi-family-office","What is a multi-family office?",{"_uid":1776,"href":1777,"text":1778,"component":542,"openInNewWindow":558},"21e2400e-4e0d-4cc6-9375-b5b3a705b045","https://www.unbiased.com/discover/financial-advice/high-net-worth-wealth-management?_storyblok=175670375206908&_storyblok_c=app-article&_storyblok_version=&_storyblok_lang=default&_storyblok_release=0&_storyblok_rl=1778578545635&_storyblok_tk[space_id]=185166&_storyblok_tk[timestamp]=1778578546&_storyblok_tk[token]=ecfbfa541e6df62418582731f6379d0327525f9e","How to find the right high-net-worth wealth management firm","Related articles","app-links-list",{"_uid":1782,"title":750,"plugin":1783,"og_image":12,"og_title":12,"description":1784,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"7ec506f8-1ab5-464a-a469-cec4b05f0de5","seo_metatags","Are you prepared for the great wealth transfer? This is a guide to family wealth transfer strategies you need to know about.",{"name":1786,"created_at":1787,"published_at":1788,"updated_at":1789,"id":1790,"uuid":1791,"content":1792,"slug":1800,"full_slug":1801,"sort_by_date":34,"position":1802,"tag_list":1803,"is_startpage":543,"parent_id":1759,"meta_data":34,"group_id":1804,"first_published_at":1805,"release_id":34,"lang":730,"path":34,"alternates":1806,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1793,"_uid":1746,"name":1786,"image":1794,"component":1751,"education":1797,"expertise":1798,"description":1799},"Senior Content Writer",{"id":1795,"alt":12,"name":12,"focus":12,"title":12,"filename":1796,"copyright":12,"fieldtype":1725,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],"app-article",[],[],"The best family wealth transfer strategies create a clear plan for passing on wealth and establishing roles and responsibilities for beneficiaries. This is where and how to get started. \n",[],"family-wealth-transfer","discover/financial-advice/family-wealth-transfer",-6270,[],365590167,"690f0b71-11dc-4e16-bd3d-165546cc5274","2026-05-06T10:57:43.346Z",[],{"left":727,"top":727,"width":1821,"height":1821,"rotate":727,"vFlip":543,"hFlip":543,"body":1822},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1824,1827,1828],{"title":1825,"exact":558,"href":1826},"Home","https://www.unbiased.com",{"title":58,"exact":558,"to":72,"disabled":543},{"title":750,"exact":558,"to":1829,"disabled":558},"/discover/financial-advice/family-wealth-transfer",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1831},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1778836995087]