Wealth isn’t just numbers in an account. It’s sacrifice, smart decisions, years of effort. Now, the question isn’t how much you’ve built—it’s how well it transitions. Will it empower the next generation, or will it erode under taxes, legal disputes, and mismanagement? At Dumitru Group, we ensure your wealth moves on your terms, strengthening family security, preserving your legacy, and keeping more of what’s yours where it belongs.
The largest wealth transfer in history
Over the next two decades, trillions will shift from one generation to the next. Some will transition seamlessly. Others will unravel. The difference? Strategy. Without a structured wealth transfer plan, assets face unnecessary taxation, heirs struggle with financial decisions, and wealth disappears faster than it was built.
Here’s what we focus on:
- Minimizing tax liabilities - Smart strategies keep more of your wealth in your family’s hands, not in government coffers.
- Ensuring seamless estate distribution - A will isn’t enough. We structure trusts, gifts, and strategic transfers that protect assets and avoid legal battles.
- Preparing heirs for responsibility - Inheritance without preparation often leads to mistakes. We provide education, guidance, and structures to ensure a smooth transition.
Beyond “who gets what” – the real conversations
Money can unite or divide a family. That’s why successful wealth transfer isn’t just legal documents—it’s conversation, clarity, and planning that keeps relationships intact. We guide families through discussions that address:
- Fair vs. equal distributions - Not all assets should be divided equally—some should be structured strategically.
- Long-term protection for beneficiaries - Trusts that ensure inheritances aren’t squandered but serve long-term financial security.
- Aligning wealth with family values - How does your wealth reflect what matters most to you? Charitable giving, business succession, and structured legacies all play a role.
The business succession factor
For business owners, wealth isn’t just personal—it’s tied to a company that needs stability. Whether you’re passing the business to family, selling, or structuring a leadership transition, we ensure:
- The right successor is in place - Family-run or externally sold, the business must land in capable hands.
- Valuation and tax strategies maximize value - Keeping more of your business’s worth rather than losing it to capital gains taxes.
- A seamless transition ensures continuity - The company thrives, even as ownership shifts.
Wealth transfer without tax drain
Without planning, taxes quietly erode wealth. We use strategic withdrawals, trusts, and income-splitting methods to protect more of what you’ve built:
- Tax-efficient gifting & trusts - Reduce estate tax burdens while giving family members financial security.
- Insurance planning for liquidity - Ensure assets don’t need to be sold off to cover taxes or debts.
- Income-splitting strategies - Reduce tax exposure while keeping wealth moving strategically within your family.