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Lesson · Legacy · governance

Money without rules disappears.

Shirtsleeves to shirtsleeves in three generations is the default. A family constitution sets the values, roles, and rules that keep wealth — and the family — intact.

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70%
of wealth transfers fail by the second generation

How it works

Write It. Legalize It. Fund It.

01
WRITE ITValues and rules, plain language
02
LEGALIZE ITTrusts give those rules authority
03
FUND ITMove real assets behind the plan

Key points

What Goes In A Family Constitution

✓
Purpose of the money
✓
Who decides what
✓
Distribution rules
✓
Education clause
✓
Dispute process
✓
Annual review date

WORKED EXAMPLE

Two Million, Two Outcomes

$2M split, no terms$2M held on terms
Heirs guess intentIntent in writing
A court settles fightsThe family settles it

KNOW THE DIFFERENCE

Constitution Versus Trust

Not legally bindingLegally enforceable
Values and intentTitles and control
The family reads itThe trustee follows it

How it works

Funding Is Where Plans Die

01
RETITLE ASSETSDeeds and accounts into the trust
02
CHECK BENEFICIARIESThose forms override your will
03
SET THE REVIEWOne date a year, on the calendar

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The Family Constitutions field guide — one page

The strategy, the checklist, the key numbers, and links to the actual tax code. Print it, take it to your CPA. Free, no strings.

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Field guide · PDF

Family Constitutions

Cliff notes + checklist + the law

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