$1M + Pension? When Should Your Kids Get Their Inheritance?

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For decades, retirement planning followed a simple formula:

Save money.
Retire.
Leave the rest to your kids.

But a growing number of retirees are beginning to ask a different question:

Would my children and grandchildren benefit more from this money today than they would from a larger inheritance someday?

In this video, we discuss a growing retirement trend highlighted by The Wall Street Journal and explore why many retirees are choosing to gift money during their lifetime instead of waiting until it becomes an inheritance.

We'll cover:

✅ The Great Wealth Transfer and why this trend is growing
✅ When money may have the greatest impact on your family
✅ The "Good Saver Spending Problem" many retirees face
✅ Tax considerations when gifting money
✅ Step-Up in Basis and why gifting isn't always the best option
✅ How to determine whether gifting could jeopardize your own retirement
✅ How to think about legacy planning beyond simply leaving the largest inheritance possible

At Denali Financial Group, we believe retirement isn't just about accumulating wealth.

It's about using your money intentionally to create the greatest impact for yourself, your family, and the people you care about most.

That's why our Meant For More Retirement Method focuses on five critical planning areas:

• Income
• Investments
• Taxes
• Healthcare
• Legacy

Because retirement was meant to be more than just building a bigger account balance.

00:00 Why Retirees Gift Now
01:35 Great Wealth Transfer
02:49 Question One Impact
05:06 Good Saver Spending
07:13 Question Two Tax Smart
08:41 Step Up Basis Explained
10:16 Question Three Stress Test
11:19 Legacy And Next Steps