Who we serve · Transferors
When wealth starts to move, the order of things matters as much as the amount.
Years of saving produce a different kind of problem. The questions shift from how much to put away to what to draw first, what to give and when, and who will understand the arrangement after you.
What changes
Three shifts that tend to arrive together.
From How much
to In what order
Which account to draw from first, when to claim benefits, when to sell. The sequence can matter as much as the balance.
From One decision-maker
to Several people at the table
A spouse, grown children, a CPA, an attorney. Each sees part of the picture, and the decisions now touch all of them.
From Preserving assets
to Handing on clarity too
People who inherit accounts without understanding them inherit a puzzle. The reasoning is part of what gets passed on.
One decision, followed through
A fictional household, one question, five more behind it.
The Calloway household
Illustrative · Fictional household · Not a client
The household
- Both in their early sixties
- One still working part-time
- A grown daughter saving for her first home
- Thinking about selling the house they raised her in
01 · The question
Sell the family home and move somewhere smaller?
02 · Cash event
The sale turns a house into a large cash balance in a single year.
03 · Tax position
How much of the gain is taxable, and in which year, changes how much is actually available to use.
04 · Liquidity and reserves
How much should stay in cash for the move, the next home and whatever is unexpected?
Reopened by 06
05 · Retirement income timing
With cash on hand, they could draw less from retirement accounts for a few years. That shifts when, and how, those accounts are taxed.
06 · Family and legacy aim
They'd like to help their daughter with a down payment now, rather than leave more to her later.
Feeds back into 04: a gift now lowers the reserve.
Who holds which question
Coordination means each person knows which question is theirs.
Not every household has every professional. Where one is involved, GenThree prepares the specific question for them. It doesn't do their work.
You and your family
“What do we want this money to do, and for whom?”
GenThree
“How do the pieces interact, what are the real alternatives, and what order makes sense?”
A CPA, if you use one
“How exactly will this be reported and taxed?”
An estate attorney, if you use one
“Which documents and titling put the intent into effect?”
The people who come next
“What do they need to understand before it's theirs to manage?”
Continuity
The next stewards need the reasons, not just the accounts.
A handoff goes better when the people receiving it know what each asset is for, what was decided and why. That understanding can be built gradually, while you’re still the one making the decisions, rather than reconstructed later from statements.
How planning reaches the next generation