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If you were to inherit a large sum of money, what would you do with it? 

The question may not be hypothetical, especially if you are in the millennial, Gen X or Gen Z demographic groups. That’s because the baby boomers – often referred to as the richest generation in history – are poised to transfer some $30 trillion in assets over the next few decades, according to the consulting firm Accenture.

Of course, this is a “macro” figure, and everyone’s situation is different. Furthermore, since baby boomers are living longer, more active lives, the total amount passed on may end up...