In Episode 22 of The Intentional Exit Podcast, Rebecca Schriver confronts one of the most consequential — and most overlooked — risks in retirement planning: the gap between what families intend to leave behind and what their beneficiaries actually receive.
Most people believe that once they’ve saved and invested, the work is done. The money is there. The family will receive it. The details will sort themselves out. That assumption is understandable. For most of your working life, accumulating assets was the primary task — and it was enough.
But the real issue isn’t how much you’ve saved. It’s whether the structure around those savings is designed to transfer them. Without that structure, a meaningful portion of your estate will pass not to your children or grandchildren — but to probate courts, the IRS, and a tax timeline that most families never see coming.
In Episode 22 of The Intentional Exit Podcast, Rebecca Schriver explains how the $124 trillion wealth transfer is unfolding — and exactly which planning decisions determine whether your family receives what you built or spends years watching it erode. She covers probate, inherited IRA tax rules, the 10-year drawdown requirement, and why the way pre-tax retirement accounts are taxed at inheritance often surprises the families who receive them.
Because leaving a legacy isn’t just about having money. It’s about making sure the people you love actually keep it.
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