3LM / Family & Legacy
Help the next generation make informed money decisions.
Family financial education can change as children grow and family decisions change. The right topics, timing and format depend on each family.
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Money conversations can change as children grow
These are examples of how financial education could evolve over time. Which topics fit, when they belong and how they are discussed depend on each family.
01 / Early years
Early childhood
Parents consider education funding, gifting and custodial choices while making early decisions for the household.
02 / Building habits
School years
Age-appropriate conversations can introduce money, saving, spending, investing and responsibility.
03 / Preparing for more
High school
Credit, budgeting, investing and education choices can become part of conversations about greater independence.
04 / First independence
College
Money management, taxes, credit, work and student loans may shape new decisions.
05 / Starting a career
Starting life
A first salary can bring choices about workplace benefits, saving, investing, housing and insurance.
06 / Stewardship
Next-generation wealth
Adult children may face decisions about family wealth, investing, stewardship and inherited assets.
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An approach that can change with your family
Family education is not a fixed curriculum. The conversations can connect to a family’s financial plan and adapt as children gain experience, responsibilities change and new decisions arise.
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Personalized family access is planned for later
There is no portal, login or signup today, and no launch date has been set.
Next step
Start with the decisions your family is facing.
A conversation can help determine whether this approach and 3LM’s services fit your family.