LEGACY SERIES: INSTILLING FINANCIAL RESPONSIBILITY IN THE NEXT GENERATION

A CONVERSATION WITH JERROD FERGUSON, OWNER & VICE PRESIDENT AT VANCE WEALTH

How do we prepare the next generation to handle wealth with wisdom?

It starts with small habits that lead to big lessons.

One of my favorites is the Three Bucket Rule. Anytime my kids receive a dollar, we divide it like this:

• 60¢ to spend – for enjoying the present with intention

• 30¢ to save – to build patience and discipline

• 10¢ to give – to practice generosity and empathy

These simple choices lay the foundation for something much bigger: A relationship with money that’s rooted in purpose, gratitude, and confidence.

Beyond Wealth: Passing Down What Really Matters

As kids grow, those early habits can evolve into meaningful traditions.

One powerful tool to extend your legacy is a Donor Advised Fund — a way to give now and later pass that giving journey on to your children. They can choose the causes that matter most to them, continuing your legacy in a way that’s uniquely theirs.

Because legacy isn’t just about wealth. It’s about the values that shaped your journey — and sharing them with the people you love.

Ready to Start the Conversation? Legacy planning doesn’t start with spreadsheets — it starts with connection. That’s why we created a simple, meaningful tool to help you open up these conversations at home.

Download Our Family Legacy Worksheet Complete it with your kids, your parents, or your grandparents. It’s a chance to reflect, share stories, and build a stronger financial future — together.

Let’s plan what’s next — together.

Visit vancewealth.com to begin your family’s legacy journey today.