What's the Right Age to Give Real Wealth to Your Kids?

Kartik Singapura, partner and trial attorney at Bell Nunnally, gives a working litigator's take on AI in law. The conversation covers how AI has inverted the way lawyers build a case, where AI still fails, whether the billable hour survives, and what happens when clients show up with confident but wrong ChatGPT legal advice.

Watch / Listen here.

We asked the Long Angle community at what age they plan to start transferring meaningful wealth to their children (their kids' age, not their own). 307 members voted.

The most common answer might be younger than you’d think. Four in 10 said 25–34, when the money can be used to jumpstart their life.

The second-largest group tells its own story: a full quarter (25%) are winging it, saying they're still figuring this out.

Several members in the discussion thread favored the argument that $1M at 30 beats $5M decades later, when the money can still shape where you live, what career you pursue, and whether to start a family.

Relatedly, one member noted (and others agreed) that the most impactful transfers are tuition, a home down payment, or startup capital.

The discussion then turned to trust structures. Some described staged trusts that unlock larger distributions at age-based milestones, sometimes tied to demonstrated responsibility.

Long Angle has a dedicated discussion group for trusts, estates, and legacy. Learn more here.

If you’re on the fence about getting a personal trainer, it might help to know that your peers love theirs.

According to Long Angle’s High-Net-Worth Professional Services Report, personal trainers rank highest in satisfaction among all personal, family, home, and financial services studied. Average satisfaction is over 9 out of 10.

Almost three-quarters of HNW clients say they’re extremely satisfied with their personal trainer. Why all the love? Respondents cite personalization as the most-valued quality of their trainer.

The emotional aspect of tracking progress plays a role, similar to why sports coaches and therapists are also rated so highly.

Note that trainers (at least good ones) aren’t cheap. The median annual spend on a personal trainer is $5,000.

For more insights on how HNW families use, spend on, and rate professional services, read the full benchmark report.

If you hold a few million in public stock, borrowing against it is easy: a bank writes a margin loan at a low rate within the week. Hold the same value in private equity, venture, or direct positions in private companies, and banks often have no way to underwrite. NAV lending fills that gap.

NAV lending lets you borrow against the net asset value of an illiquid private portfolio without selling it. A specialist lender advances a modest slice of the portfolio's value (usually 10–30%), takes a pledge over the assets, and gets repaid from future distributions or a liquidity event.

It isn't cheap, typically 450–700 basis points over a reference rate. So why borrow? If the alternative is selling a private stake on the secondary market at a steep discount, NAV lending preserves far more value.

The flip side is that someone has to make these loans. As a niche corner of private credit with low correlation to direct lending, NAV lending’s higher yield is appealing to investors looking to diversify their credit exposure.

For the full breakdown, including how these loans are structured, read our guide.

Long Angle recently reached 9,000 members. We interview each one and ask what brought them here. A few reasons from this month’s cohort:

Long Angle is a vetted online and in-person community. Members join to connect with peers, learn from each other, and navigate the financial and personal sides of wealth together.

See if Long Angle is a fit for you.

Chris Bendtsen

Insights Lead, Long Angle

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