The Great Wealth Transfer has begun: Cerulli Associates reports that baby boomers are set to leave a collective $105 trillion to their heirs by 2048, making Millennials and Gen Z much wealthier in the process [1]. For Ryan, this process has already begun. He’s dealing with the passing of his beloved mother, and the funeral arrangements, paperwork and all the tasks that come with the end of life. He is also faced with decisions that will affect his financial future: Ryan’s mother left him a portfolio of mu ...