The journey from a child's piggy bank to a family trust is long, and most families never map it. This book is the roadmap, turning small lessons in childhood into the stewards your wealth will one day need.
3DTrusts, family banks, and sophisticated structures all assume one thing: heirs capable of using them well. Yet families pour energy into building the structures and almost none into building the people. A trust handed to an unprepared heir is not protection; it is a loaded instrument. The work of raising capable stewards begins not at the reading of the will, but at the piggy bank.
From Piggy Banks to Private Trusts maps the financial education of the next generation, age by age, from a child's first lessons in saving to a young adult's readiness for real responsibility. It covers what to teach when, how to involve children in family wealth without entitling them, and how to ensure that by the time the structures are theirs, they have the character and competence to use them.
Sophisticated structures handed to the unready are misused or resented.
Wealth introduced badly breeds expectation rather than responsibility.
Skipping early lessons leaves heirs without the basics that everything builds on.
Responsibility dumped all at once, late, overwhelms rather than empowers.
01The Right Tool for the Right Job
02Work Optional
03The Day the Benefits Stopped
04The Tax Illusion
05Worth Millions on Paper
06Too Young, Too Healthy, Too Late
07Nobody Has the Keys
08Yours, Mine, and Theirs
09Advised Everywhere. Planned Nowhere.
10The Phone Call That Changes Everything
11Eighteen Years to Get This Right
12Your Pension Is Here. Your Retirement Is There.
13The Stamp That Expires
14The 183-Day Trap
15Nobody to Fall Back On
16Built by One. Lost by Three.
17The Conversation the Money Needs
18The Child the Financial Plan Forgot
19The Empty Estate
20The Family Philanthropy Playbook
21From Piggy Banks to Private TrustsNow Reading
22The Family Bank
23The Plan You Think You Have
24Just One More Million
25My Family Would Never Fight Over Money
26I’ll Sort It Out When I’m Older
27Perfectly Logical
28I Was Going To
29More Salary, Less Money
30You Insured Your Phone
31What to Do When the Money Arrives
The Twenty-Year Curriculum
The Inheritance Paradox
Ages 9 to 11 — The Wealth Conversation
The Globally Mobile Family
Three Families in This BookOther books build the vehicles; this one builds the drivers. No structure, however clever, survives heirs who were never prepared to steward it. Start early, the lessons compound.
“A trust without a steward is just a loaded instrument waiting for the wrong hands.”Dr. Sanjay Tolani
Dr. Sanjay Tolani is a third-generation insurance professional and one of the most decorated financial planners in the world. He qualified for the Million Dollar Round Table at 19, the youngest member in its history, a record that still stands, and has since structured more than USD 25 billion in assets for over 50 high-net-worth families across 53 countries.
Beyond his practice, Dr. Sanjay has built the world’s largest advisor mentoring community, over 200,000 members, all free, and authored books that have sold more than a million copies in five languages. The Right Tool Series makes that same expertise available to families, business owners, and globally mobile professionals who need real plans, not general advice.
08Yours, Mine, and Theirs10The Phone Call That Changes Everything11Eighteen Years to Get This Right17The Conversation the Money NeedsThe book is shared on request. Tell us where to send it and we'll get your copy to you.
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