When most people think about leaving a legacy, they picture what they’ll leave behind, likely money, property, investments, or family business. But legacy planning is also an opportunity to decide what values, habits, and opportunities you’d like to intentionally support, so that your impact can outlive your physical passing.

Passing down wealth is one of the most powerful gestures of love and foresight; yet without clarity and communication, it can easily lose the meaning you intended. Many families discover that money alone doesn’t guarantee security or harmony; in fact, unmanaged inheritances can sometimes create stress, confusion, or conflict.

Your 401(k) is one of the most powerful tools you have for building long-term wealth. Yet many people treat it as just another account they “set and forget.” With a little intentionality, you can maximize its potential and make your money work harder for you.