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Rogelio Gonzalez, CRPC®, CSRIC™
Financial Planner
Prudential Advisors
Pacific Northwest Financial Group
1700 SE Mile Hill Drive, Suite 264
Port Orchard, WA 98366
Phone: 360-919-4271
Email: rogelio.gonzalez@prudential.com
Website: www.prudential.com/advisor/rogelio-gonzalez
November/December 2026
Timing an Inheritance
Longer lifespans have transformed inheritances from profound, life-altering events into later-life financial supplements for heirs. This shift raises important questions: When should your heirs receive their inheritance—and how can you ensure it benefits them rather than burdens them?
Consider Lifetime Gifts
Estate planning isn't just about what happens after you die. Giving gifts during your life—directly or through a trust—can reduce estate taxes and help heirs now. For example, in 2026, you can give up to $19,000 per person each year without incurring gift or estate tax.Emotional Aspects to Weigh
Receiving an inheritance late in life can create problems for your heirs. It's not just about money—it also brings the pain of losing someone. Timing can strain relationships, and giving early can ease stress by letting loved ones enjoy their inheritance while you are alive.Involve Family
Now If you want to share your money wisely, involve your heirs in decisions now. Open conversations about money goals and family values can help everyone. This makes your heirs feel included and helps match your plans with their needs and dreams.Ultimately, aligning the timing and method of transferring your wealth ensures your inheritance is a meaningful benefit for your heirs, not a burden. Consider how proactive planning and involving your family can help your legacy have a lasting positive impact.
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Rogelio Gonzalez is a Financial Planner with and offers securities and investment advisory services offered through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC
, and an affiliate of LPL Financial.
"Prudential Advisors" is a brand name for the propriety retail sales channgel of The Prudential Insurance Company of America ("PICA") and its insurance company and other affiliates (collectively "Prudential"). Prudential Advisors financial professionals are licensed insurance agents of Prudential.
Pursuant to a strategic relationship among Prudential, LPLE, and LPL Financial, Prudential Advisors financial professionals provide securities brokerage services and/or investment advice on securities solely as registered persons of LPLE, an affiliate of LPL Financial. These financial professionals are permitted to brand under "Prudential Advisors". LPLE and LPL Financial are not affiliated with Prudential.
Prudential Advisors, Prudential, and the Pacific Northwest Financial Group are not registered as a broker-dealer or investment advisor.
The LPL Enterprise registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. LPL Enterprise Form CRS.
Pacific Northwest Financial Group and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.