In this episode of The 10 Talent Life, Nicholas Irving sits down with his father Alan Irving (Irving Financial Group) to dig into a question most families never think to ask: does the timing of wealth transfer matter as much as the amount?

Alan walks through why the culturally accepted path (accumulate, preserve, pass at death) quietly kills multi-generational wealth. When recipients are 60 or 65 and already in preservation mode, even a substantial inheritance tends to be consumed, not multiplied. He unpacks the difference between seed money and feed money, why gift vs. investment is defined by the expectation of multiplication, and why focusing on one generation at a time is more powerful than trying to set up a trust for the grandkids.

The conversation gets practical: what does it look like to keep a business as a “goose that lays golden eggs” instead of selling for a liquidity event? What does the next generation actually need to participate in this kind of partnership? And what did Warren Buffett see in his own family that led him to give most of his wealth away instead of passing it down?

Key topics: wealth transfer timing, multi-generational wealth, seed vs. feed, investing vs. gifting, family business, discipleship, humility

👉 www.IrvingFinancialGroup.com

Watch the full episode on YouTube: https://youtu.be/-IOLF36VJ74

Is retirement the finish line, or could it be the starting line for something greater?In this episode of The 10 Talent Life, Alan, Nicole, and Nicholas continue the conversation about “staying on the field” after financial independence. They explore the difference between meddling and meaningful influence, the opportunity to walk with adult children, and what it might look like to build a stronger multi-generational family through stewardship, discipleship, and purpose.

Discover more here: irvingfinancialgroup.com

In this episode, Alan Irving sits down with his wife Nicole and their son Nicholas to reflect on life after financial independence and the traditional idea of stepping onto the sidelines in retirement. Together, they explore a different perspective—staying on the field and remaining actively engaged in strengthening the next generation through relationships, mentorship, and shared purpose. The conversation reframes legacy not as what we leave behind, but as what we intentionally put in motion for those who come after us.

Discover more here: irvingfinancialgroup.com

What is The 10 Talent Life—and why does it matter? In this “Before You Listen” episode, Alan Irving is joined by his wife Nicole and son Nicholas to introduce the heart behind the podcast. Together, they share the vision of building strong, multi-generational families by thoughtfully integrating faith, family, and finances. Drawing from over 20 years of experience working with families preparing for and living in retirement, Alan explains the inspiration behind the podcast—and the gap he’s seen when it comes to preparing families for what comes next. Nicole brings the relational and family perspective from raising 16 children, while Nicholas offers insight from the next generation as a young husband, father, and emerging professional. This conversation sets the stage for a deeper exploration of how to use money as a tool to strengthen relationships, deepen faith, and create lasting generational impact.

Discover more here: irvingfinancialgroup.com