But here’s the uncomfortable truth: Most inheritances don’t last. 

Studies show that 70% of wealth transfers fail by the second generation, and 90% by the third. Not because of bad intentions — but because most heirs simply aren’t prepared to manage a large sum of money. And worse, that sudden windfall can create stress, conflict, and even emotional distance in families that were once close. 

This isn’t just a numbers issue. It’s a structure issue. 

And it’s a retirement red flag most estate plans overlook. 

The Myth of the Lump Sum Inheritance 

Most estate plans are built on a simple idea: 

“When I’m gone, my heirs will receive the assets I’ve worked hard to build.” 

But in reality, here’s what often happens: 

- One child uses the inheritance to pay off debt. 

- Another sees it as permission to quit their job. 

- A grandchild begins spending freely, believing it’s what “Grandma would’ve wanted.” 

- Family tension rises over who received what and why. 

No one intends this outcome. But it happens far more often than you might think. 

When an inheritance lacks structure, the responsibility to manage it wisely falls entirely on the next generation and they’re often left without the tools, preparation, or experience to do so. 

A Better Path: The Family Pension Plan 

Imagine this alternative: 

Instead of leaving behind a lump sum… 

You leave behind a monthly income stream — a structured flow of support that continues for years, even decades. 

This approach: 

✔ Creates consistency, reducing the chances of mismanagement. 

✔ Encourages healthy financial habits by spreading support over time. 

✔ Preserves the original capital, protecting your legacy for the next generation. 

✔ Reduces family conflict, by replacing lump-sum comparisons with long-term support. 

In short, it’s not about giving less — it’s about giving smarter. 

A Family Pension Plan is a modern solution to an age-old problem. It transforms your legacy from a large, one-time transfer into a dependable system your heirs can rely on. 

This Isn’t About Control — It’s About Care 

Some people worry that creating a structured inheritance feels like controlling the future. 

But consider this: 

You spent your entire life building financial security by following a system — earning income, managing your expenses, and planning with discipline. 

Wouldn’t it be a gift to give your heirs that same sense of structure and security? 

You’re not restricting them. You’re supporting them. 

In fact, most heirs report feeling relieved, not resentful, when their inheritance comes with clear, supportive structure. It removes the pressure of managing large sums and replaces it with peace of mind. 

Final Thought: What Will Your Legacy Feel Like? 

When your family receives what you’ve built… 

Will it feel like a weight? 

A source of confusion or conflict? 

Or will it feel like steady, thoughtful support? 

That feeling is shaped by the structure. 

A Family Pension Plan helps ensure your legacy isn’t just about dollars, it’s about direction. It helps your children, grandchildren, or other loved ones navigate life with a sense of stability and trust, long after you’re gone. 

If a Family Pension Plan sounds like it might be the safer fit for your family - or you just want to learn more - give us a call. We’re happy to share resources and ideas that can help you build the kind of legacy that truly lasts.