Engaging the Rising Generations Through Meaningful Wealth Conversations & Experiences

Goal

Questions to Explore

Experiences to Consider

Pre-Preschool
(Ages 2–5)

Building an Emotional Foundation

Cultivate empathy, gratitude, and basic understanding of sharing and community

• “What are you thankful for today?”
• “How can we help someone today?”
• “Who could we share with?”

• Participate in simple giving activities (e.g., putting food in donation bins)
• Read picture books about kindness, fairness, and inclusion
• Use play money or games to begin basic concepts of exchange and sharing

Early Elementary
(Ages 6–9)

Understanding Value and Generosity

Introduce basic financial concepts and the idea of generosity and family values

• “What do you think money is for?”
• “How do we decide what’s worth spending money on?”
• “What makes our family special?”

• Introduce allowance with save/spend/give jars
• Help choose a charity to support with family
• Share family stories of generosity or hard work
• Visit a family business or foundation site if applicable

Middle School
(Ages 10–13)

Developing Awareness and Ownership

Expand financial literacy and encourage early responsibility and decision making

• “What do you think it means to be responsible with money?”
• “Why do you think our family gives back?”
• “What do you think our family believes in?”
• Write a “letter to future family” or vision statement.

• Simulate real-life spending decisions (budget for a trip or project)
• Attend a family meeting with simplified roles
• Volunteer together and debrief the impact
• Let them shadow or ask questions about family business or philanthropy

High School
(Ages 14–18)

Building Competency and Values-Based Decision Making

Prepare for financial independence and introduce concepts of legacy, identity, and stewardship

• “What kind of impact do you want to have on the world?”
• “What does wealth mean to you?”
• “What do you think are the responsibilities and/or expectations of being part of our family?”

• Manage a summer job/internship with autonomy
• Participate in a junior board or youth philanthropy program
• Attend a workshop or retreat focused on values and legacy
• Learn basics of investing, taxes, and budgeting

College
(Ages 18–22)

Identity, Purpose, and Preparation

Deepen financial education and family understanding; explore identity within the family system

• “How do you see yourself contributing to the family legacy?”
• “What are your financial goals in the next few years?”
• “Where do your personal interests align with family priorities?”

• Intern/Observe at the family office, foundation, or business
• Co-create a personal or family project (e.g., scholarship fund, trip journal)
• Meet with financial advisors for real education (investing, estate basics)
• Write a “letter to future family” or vision statement

Early Career
(Ages 22–30)

Leadership, Ownership, and Next Gen Integration

Foster autonomy, leadership mindset, and understanding of structures (governance, trusts, etc.)

• “What are your thoughts on leadership and responsibility?”
• “What does it mean to be a good steward of family wealth?”
• “How do you want to be involved in the family enterprise going forward?”

• Join a family governance committee or attend family council meetings
• Participate in estate planning discussions at an age-appropriate level
• Co-create or lead a giving initiative with cousins or siblings
• Explore personal purpose alongside family mission