A lot of our clients preparing for, or in retirement think about helping their children out financially. It’s especially a concern with the high costs of buying a first home, and occasionally to assist with education costs. I actually think in terms of providing a legacy and family support, this is a far better idea than leaving money in an estate. I call it an upfront inheritance. With life expectancy beyond the mid-80s, many estates won’t actually pass to children until they are already at or close to retirement age themselves. A lot of parents talk quite openly about the joy it brings them to see their assistance making a difference. If it is affordable (there’s no sense in giving money away only to…