Wealth that outlasts you.
Generational wealth planning strategies should protect and pass your wealth across multiple generations, with the tax bill minimized at each step. At Pandora Group, we build structures that hold long after you are gone. Generational wealth isn’t luck. It’s a structure that outlasts you.
Coordinating with
your estate attorney.
Nationwide filing across all 50 states.
One transparent flat fee
What is generational wealth planning and who needs it?
Generational wealth planning is the practice of structuring assets so they pass tax-efficiently to children, grandchildren, and beyond. It serves high-net-worth families and entrepreneurs with legacy goals who are thinking past their own lifetime. Without the right structure, wealth gets taxed at each generational handoff, eroding what reaches the people who come after you.
The families who need this most already have significant assets and a desire for permanence. They want to involve children in ownership, protect wealth from being taxed repeatedly across generations, and build something that holds its shape after they are gone.
How do dynasty trusts protect wealth across multiple generations?
Dynasty trusts protect wealth across multiple generations by holding assets in a structure that can pass to children, grandchildren, and further descendants without triggering estate tax at each generation. Normally, wealth can be taxed as it passes from you to your child, then again from your child to your grandchild. A dynasty trust holds the assets for the benefit of many generations, so the wealth isn’t repeatedly pulled into taxable estates. How long a dynasty trust can last depends on the state, and some states allow them to run for centuries.
Tools that support multi-generational plans.
Dynasty trusts often work alongside other structures. Each serves a different purpose within the generational plan.
Family Limited Partnerships.
FLPs consolidate family assets under one structure and let you transfer interests to heirs gradually, involving children in ownership and governance while retaining management control.
Irrevocable life insurance trusts.
ILITs provide tax-efficient liquidity within multi-generational plans, ensuring heirs have cash for estate taxes without selling assets.
Family LLCs.
Family LLCs bring children into ownership on a tax-smart basis, often using annual exclusion gifts of interests to transfer wealth while teaching stewardship.
Each is an advisory opportunity shaped by your family’s facts, coordinated with your attorney.
What is the generation-skipping transfer tax and how do you plan around it?
The generation-skipping transfer tax (GST) is a federal tax on wealth that passes to grandchildren or later generations. If you pass wealth directly to a grandchild, the GST can apply on top of the regular estate or gift tax, a steep combined cost. But each person has a GST exemption to allocate.
The $15 million GST exemption.
Under the One Big Beautiful Bill Act, the GST exemption increases to $15 million per individual in 2026, matching the estate and gift tax exemption. The exemption is permanent and indexed for inflation starting in 2027. However, unlike the estate and gift exemption, the GST exemption is not portable between spouses, so planning around allocation at the first spouse’s death remains essential.
Allocating to a dynasty trust.
Planning around the GST means allocating that exemption deliberately, often to a dynasty trust, so wealth can pass to grandchildren and beyond without the extra layer of tax. This is advisory work tailored to your facts.
How we approach generational planning.
Pandora Group approaches generational planning as the intersection of entity structuring, estate planning, and tax strategy, not a standalone legal exercise. Wealth that lasts generations usually lives partly in a business, partly in investments, and partly in trusts, so we coordinate all three with your estate attorney, or a trusted one from our network, rather than treating the trust as an isolated document.
That integration shows up in practical ways. We tie generational planning to business succession, so the company you built passes to the next generation on terms that work.
Gradual ownership transfer.
Family LLCs and partnership structures let you bring children into ownership over time, teaching management and decision-making alongside the financial transfer.
Education funding as wealth transfer.
529 education savings plans let you move money for descendants’ education out of your estate while it grows tax-free for qualified use, a practical tool within a broader generational plan.
Family stewardship practices.
Regular family meetings to discuss the plan, aligned investment policies across generations, and education that prepares heirs to manage what they’ll inherit. These aren’t legal or tax requirements. They’re the practices that keep families engaged with the structures built to protect them.
Building the framework around the structure.
Tax-efficient structures only hold if the family is equipped to manage them. We help families build the governance and stewardship practices that make generational plans durable.
Each piece reinforces the others, which is what makes the structure durable. Every strategy is an advisory opportunity shaped by your family’s goals.
What generational planning delivers.
Generational planning delivers wealth that holds its shape across decades and the peace of mind that your family is provided for long after you are gone.
The problem.
A family with substantial assets watches wealth shrink at each generational handoff as estate tax takes its share at every step.
The structure.
A dynasty trust funded with a deliberate allocation of the lifetime GST exemption holds appreciating assets for children and future generations. If structured properly, the trust can have a zero inclusion ratio for GST purposes, allowing assets to grow and be distributed across generations without additional transfer taxes.
Because the initial transfer is a completed gift, future appreciation generally occurs outside the grantor’s and beneficiaries’ taxable estates, preserving long-term compounding.
The result.
Wealth passes down without the generation-skipping tax at each step. The relief is the kind that lets a founder rest: the plan will hold. The exact result depends on the assets, the state, and the allocation, so we treat each move as an advisory opportunity coordinated with your attorney.
Related services.
Generational wealth planning connects to the rest of your legacy strategy at Pandora Group.
Estate planning tax advisory services.
See how trusts, gifting, and generational planning connect into one integrated estate strategy.
Estate planning and wealth transfer strategies.
The trusts and gifting that move wealth to the next generation.
Life insurance tax planning strategy.
Tax-efficient liquidity for multi-generational plans.
What our generational wealth planning clients ask us.
Disclaimer
All generational wealth planning strategies described on this page are advisory opportunities based on current tax law and coordinated with your estate attorney. They are not guaranteed outcomes.