Financial considerations when giving and receiving an early inheritance

The Globe and Mail
June 11, 2025.

“Givers should prioritize their own retirement and financial security before gifting large sums.”

Alexandra Horwood, Investment Advisor at Richardson Wealth, outlines how a gradual approach to early inheritance, along with structures like annuities or trusts, can offer clarity and protection for both givers and recipients.

She also notes that structuring a down payment as a loan, rather than a gift, may help safeguard support during events like a marital breakdown.

*Globe Advisor subscription required.

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