Over the next two decades, the United States will experience the largest intergenerational transfer of wealth in history. Economists and financial experts have dubbed it The Great Wealth Transfer, with Baby Boomers and the Silent Generation expected to pass down at least $70 trillion in assets to their heirs, and some projections estimate up to $84 trillion.

This isn’t a far-off forecast. It’s already happening.

Yet far too much of that wealth may never reach the people it was meant for.

A Silent Crisis: The Unclaimed Asset Problem

Every year, tens of billions in assets go unclaimed. According to the National Association of Unclaimed Property Administrators (NAUPA), state governments are holding more than $77 billion in unclaimed property, from forgotten bank accounts and insurance payouts to stock dividends and unredeemed bonds.

“Americans have billions of dollars in unclaimed money. Here’s how to find yours.” – NBC News

Even with a will or trust, families are often left in the dark. That’s because most estate plans don’t include a current, complete list of assets — or clear instructions on how to find and access them.

The result?

• Probate delays that last 18–24 months
• Up to 7% of the estate lost to legal fees
• And a staggering amount of assets that are simply never claimed

It’s Not Just Dollars and Cents

Wealth today goes far beyond cash, bank accounts, and retirement funds. If you’re building a legacy, it includes:

• Cryptocurrency wallets like Bitcoin, Ethereum, or NFTs
• Physical assets like artwork, collectibles, or family heirlooms
• Cloud accounts with photos, videos, or digital documents
• Online accounts and subscriptions, from Amazon to Apple
• Social media profiles on Facebook, Instagram, LinkedIn, or TikTok
• Intellectual property or small business ownership

According to Pew Research Center, 94% of Americans have at least one digital account — but few include them in their estate plans. “How Americans’ digital lives may change when they die.” — Pew Research 

Without documented access, these assets are locked away, often permanently.

Why Traditional Estate Planning Isn’t Enough

Wills and trusts are essential, but they’re not built to handle modern complexity. They often fall short in these areas:

• Don’t often include digital assets
• Rarely updated to reflect life changes
• Don’t automatically notify beneficiaries
• Lack centralized, organized asset tracking

This isn’t just a technical gap, it’s a deeply personal one.

Without clear access, your family may not only lose money… they may lose irreplaceable memories and months of peace during a time of grief.

SmartHeritance: Your Legacy, Secured

SmartHeritance is designed to fill the exact gap traditional estate tools leave behind. It’s not a replacement for your will, it’s the digital infrastructure that ensures your legacy is passed on the way you intended.

Here’s how it works:

• Create a Complete, Centralized Asset Inventory: Log everything including financial, digital, physical, and personal all in one place.

• Keep It Private and Secure: Bank-grade encryption keeps your information protected. No one sees it until it’s time.

• • Set Beneficiaries and Final Instructions: Designate who receives what, and include personal messages, notes, or final wishes.
• SmartHeritance’s Wellness Protocol: Our solution monitors wellness status and triggers release of information when needed, without relying on someone else to “remember” your plan.
• Ensure Nothing Gets Lost: Whether it’s $100,000 in crypto or the only photo of your wedding day, SmartHeritance ensures your heirs know what’s there, where it is, and what to do next.

The Wealth Is Moving. Will Your Legacy Move With It?

The Great Wealth Transfer is more than a news headline, it’s an ongoing transition that will define the next 20 years of family wealth in America. According to Cerulli Associates:

“U.S. households are expected to transfer $84 trillion in assets through 2045, including $16 trillion by 2033.” 

But while the money is ready to move…most people aren’t and digital assets remain undocumented. This causes probate delays add stress, cost, and complexity to grieving families

Secure Your Legacy in 10 Minutes or Less

Setting up SmartHeritance is simple and powerful.

• Takes less than 10 minutes
• Works alongside your existing will or trust
• Gives you — and your family — peace of mind
  

Legacy Is More Than Wealth. It’s Clarity.

It’s not just about inheritance.

• It’s about removing doubt.
• It’s about honoring your life’s work.
• It’s about making it easy for your family to move forward with confidence.

SmartHeritance gives them more than money. It gives them answers.

Plan ahead. Protect your legacy. Make sure they know.