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Question

Should I start gifting to my family if I have surplus retirement wealth?

Answer

Gifting can be a meaningful way to share surplus wealth while you see its impact, but we suggest modeling your plan first to confirm you can afford it. Your Mercer Advisors wealth advisor can run projections showing how different gifting scenarios affect your plan’s longevity and identify the most tax-efficient timing and structure for your situation.

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Financial Planning Estate Planning Asset Protection Charitable Giving Trusts Impact of New Laws OBBBA Protecting Your Legacy Generational Wealth Cash Flow Management Year-Round Tax Planning FAQs
Last Updated Nov. 3, 2026
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