The Great Wealth Transfer: Will Your Family Be Ready? $124 Trillion Is About to Change Hands

By 2048, an estimated $124 trillion will change hands — the largest transfer of wealth in human history. Roughly $105 trillion to heirs, $18 trillion to charity. And here’s the uncomfortable truth: about 70% of family wealth disappears by the second generation, and 90% is gone by the third.In this week’s Money On Tap, Ben Brayshaw and Dan Michelon dig into what the great wealth transfer really means — not for the economy, but for your family. They unpack why wealth preservation is far more behavioral than investment-driven, what the Vanderbilts got wrong and the Rockefellers got right, and the Warren Buffett principle every parent and grandparent should know. Most importantly, they walk through the four conversations every family needs to have before the money moves — and the simple first step you can take this week.What you’ll learn:

• Why $124 trillion in motion could be a generational blessing — or a great wealth disaster
• The statistic that should stop every family cold: 70% gone by generation two, 90% by generation three
• Why wealth preservation is behavioral, not investment-driven
• The tale of two fortunes: Vanderbilt vs. Rockefeller
• The four conversations every family must have before the transfer
• A practical first step you can take this week — and the BFG white paper that helps you run your own family meeting

Plus Money In The News:

• General Motors and Lockheed Martin announce a new multi-billion-dollar defense manufacturing partnership
• Jeff Bezos proposes eliminating federal income taxes for the bottom half of U.S. earners — and what it would actually mean
• “The job interview is broken”: how AI is reshaping hiring on both sides of the table

Read the companion blog: https://www.brayshawfinancial.com/blog Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact Us - Phone: 855-226-8551 - Email: info@yourmoneyontap.com - Office: 116 South River Road, Bedford, NH 03110 - Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc.

• If the S&P 500 is up 10%, why isn't my portfolio?
  Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.