Insights · The publication

Essays on liquidity, control, and the long arc of family wealth.

A library of principles, frameworks, and quiet observations. Read at your own pace.

Featured · Principles

What Banks Do With Their Reserves (And Why It Matters To Your Family)

Most families earn, save, and spend in a straight line. Banks do something fundamentally different, and it explains almost everything about how durable wealth is actually built.

Scott Genad · March 14, 2025 · 11 min read

"Most families earn, save, and spend in a straight line. Banks do something fundamentally different."

Read the full essay →

The library

Family Banking

Liquidity Is A Strategy, Not An Emergency Fund

Treating liquidity as a side account misses the point. It is the foundation that makes every other decision possible.

Scott Genad · February 28, 2025 · 7 min read

Principles

Why High Earners Still Feel Financially Stuck

The surprising difference between making more money and having more control.

Scott Genad · April 2, 2025 · 9 min read

529 Alternative

The 529 Trap Most Parents Don't See Until It's Too Late

Saving for college is smart. Assuming you know the future isn't. A closer look at flexibility, control, and what the 529 quietly asks you to predict.

Scott Genad · February 11, 2025 · 8 min read

Retirement

Retirement Is An Income Problem, Not An Asset Problem

The number in your statement is not the number that funds your life. How to think clearly about converting savings into reliable income.

Scott Genad · January 22, 2025 · 8 min read

Long-Term Care

The Real Cost Of Not Planning For Long-Term Care

Long-term care is rarely a single event. It is a slow erosion that asks the most of the people you love. There are better options than waiting.

Scott Genad · January 6, 2025 · 6 min read

Estate Planning

Estate Planning Is A Love Letter, Not A Legal Document

The paperwork matters. The clarity it provides matters more. Why the conversation is the real estate plan.

Scott Genad · December 18, 2024 · 7 min read