skip to main content
Main Menu
CWS logo
  • TEAM
  • EXPERTISE
  • APPROACH
  • PHILANTHROPY
  • RESOURCES
    • Newsletter
    • Blog
    • Videos
    • Helpful Links
  • CLIENT PORTAL
  • LET'S TALK

How Generational Wealth Planning Is Not Just for the Ultra-Wealthy

When most people hear the phrase “generational wealth,” they picture billionaire families, sprawling estates, and investment portfolios passed down through the ages. But in truth, generational wealth planning isn’t reserved for the ultra-wealthy—it’s a practical and achievable goal for everyday families who want to create lasting financial security.

Rethinking What “Wealth” Really Means

Generational wealth doesn’t have to mean millions in the bank. It’s about intention—the strategies, values, and decisions that allow your family’s assets and knowledge to benefit future generations. This could mean paying off a mortgage, building a small investment portfolio, or setting up a college fund for your children. Even modest assets, when protected and thoughtfully managed, can grow into a powerful legacy over time.

The Power of Planning Ahead

A well-designed plan helps ensure your family’s financial stability no matter what life brings. That might include:

  • Life insurance to replace income or preserve assets.

  • Estate planning tools like wills, trusts, and beneficiary designations to control how wealth is passed down.

  • Education and financial literacy to equip future generations with smart money habits.

These strategies aren’t just for the rich—they’re for anyone who wants to protect what they’ve worked for and give their loved ones a head start.

Small Steps, Big Impact

Building generational wealth often starts with small, consistent actions:

  • Automating savings and investing regularly.

  • Reducing high-interest debt.

  • Taking advantage of employer retirement plans or tax-advantaged accounts.

  • Having family conversations about money and shared goals.

Over decades, these habits can make a profound difference. The earlier you start, the more time your money has to grow and compound.

Why Guidance Matters

Financial professionals can help you craft a strategy that fits your life and values. Whether you’re managing a modest inheritance, building a nest egg, or planning for your children’s future, expert advice can help you avoid pitfalls and make the most of your resources.

Your Legacy Starts Today

Generational wealth is about empowerment—not elitism. It’s about breaking cycles, creating opportunity, and giving future generations choices. Regardless of your current income or net worth, the decision to plan is the most powerful step you can take toward building a legacy that lasts.

Back to Blog

Our Location

101 Accord Park Drive
Ste 201
Norwell, MA 02061

CWS logo

Our Contact

(781) 347-3424
info@creativewealthsolution.net

Disclosure

Jason Bourque is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CA (CA Insurance License #4139864), CT, FL, HI, IL, MA, MI, NH, NY, OH, RI, SC, UT, VA, and WI. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Jason Bourque is licensed and authorized to offer insurance in California, but CREATIVE WEALTH SOLUTIONS & INSURANCE SERVICES, LLC may not be. For additional information on California licensure status, please click here.

Jason Bourque is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 101 Accord Park Dr Ste 201, Norwell, MA, 02061, 781-347-3424. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CT, FL, GA, HI, IL, MA, NH, NM, NY, OH, RI, SC, UT, and WI. No offers may be made or accepted from any resident outside the specific states referenced.

Jason Bourque is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, CA, CT, FL, GA, HI, IL, MA, NH, NM, NY, OH, RI, SC, UT, and WI. As such, these services are strictly intended for individuals residing in the states referenced.

Blair Breton is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CT, DE, FL, GA, MA, ME, NC, NH, NY, OH, RI, SC, TX, and VA. No insurance business may be conducted outside the states referenced.

Blair Breton is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 101 Accord Park Dr Ste 201, Norwell, MA, 02061, 781-347-3424. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CT, DE, FL, GA, MA, MD, ME, NC, NH, NJ, NY, RI, SC, TX, and VA. No offers may be made or accepted from any resident outside the specific states referenced.

Blair Breton is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, CT, DE, FL, GA, MA, MD, ME, NC, NH, NJ, NY, RI, SC, TX, and VA. As such, these services are strictly intended for individuals residing in the states referenced.

The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Matthew Hughes is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of DE, FL, GA, MA, NC, NY, RI, SC, TX, and VA. No insurance business may be conducted outside the states referenced.

Matthew Hughes is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 101 Accord Park Dr Ste 201, Norwell, MA, 02061, 781-812-8903. In this regard, this communication is strictly intended for individuals residing in the states of DE, FL, GA, MA, NJ, NY, RI, SC, TX, and VA. No offers may be made or accepted from any resident outside the specific states referenced.

Matthew Hughes is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of DE, FL, GA, MA, NJ, NY, RI, SC, TX, and VA. As such, these services are strictly intended for individuals residing in the states referenced.

Brian St Croix is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CO, CT, MA, ME, NH, NY, RI, and VT. No insurance business may be conducted outside the states referenced.

Brian St Croix is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 101 Accord Park Dr Ste 201, Norwell, MA, 02061, 508-279-4429. In this regard, this communication is strictly intended for individuals residing in the states of CO, MA, ME, NH, RI, and VT. No offers may be made or accepted from any resident outside the specific states referenced.

Brian St Croix is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CO, MA, ME, NH, RI, and VT. As such, these services are strictly intended for individuals residing in the states referenced.

William Charrier Jr is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of MA, and RI. No insurance business may be conducted outside the states referenced.

William Charrier Jr is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 101 Accord Park Dr Ste 201, Norwell, MA, 02061, 781-347-3424. In this regard, this communication is strictly intended for individuals residing in the state of Massachusetts. No offers may be made or accepted from any resident outside the specific state referenced.

CREATIVE WEALTH SOLUTIONS & INSURANCE SERVICES, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither CREATIVE WEALTH SOLUTIONS & INSURANCE SERVICES, LLC nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

For more information about NYLIFE Securities LLC and its investment professionals.

CLICK HERE
Banner CWS logo
  • TEAM
  • EXPERTISE
  • APPROACH
  • PHILANTHROPY
  • RESOURCES
    • Newsletter
    • Blog
    • Videos
    • Helpful Links
      • Social Security
      • Massachusetts Teachers Retirement System
      • IRS Contribution Limits
      • Eagle Strategies
  • CLIENT PORTAL
  • LET'S TALK

Copyright 2026. New York Life Insurance Company. All Rights Reserved.

Privacy Policy

NYLIFE Securities LLC, Member FINRA/SIPC.

For additional information, visit Customer Relationship Summary.pdf

Your Privacy Choices