Canonical URL: https://giftcard.news/research-trends/women-take-charge-of-finances-with-wealth-transfer-guidance-5ff0bfa87eee/ --- description: UMB's commentary covers understanding transferred assets, choosing advisers, reviewing plans and communicating intentions to beneficiaries. title: UMB outlines wealth-transfer considerations for women receiving gifts or inheritances image: https://giftcard.news/images/social/v1/umb-outlines-wealth-transfer-considerations-women-receiving-gifts-inheritances-ef73840964111672863f52660cd407e1.jpg --- 1. [Home](https://giftcard.news/) 2. [Research & Trends](https://giftcard.news/research-trends/) 3. UMB outlines wealth-transfer considerations for women receiving gifts or inheritances [Research & Trends](https://giftcard.news/research-trends/) News # UMB outlines wealth-transfer considerations for women receiving gifts or inheritances UMB's commentary covers understanding transferred assets, choosing advisers, reviewing plans and communicating intentions to beneficiaries. By [Emma Carter](https://giftcard.news/author/emma-carter/) Published: August 17, 2026 at 03:00 PM 1 min read Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fwomen-take-charge-of-finances-with-wealth-transfer-guidance-5ff0bfa87eee%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=UMB%20outlines%20wealth-transfer%20considerations%20for%20women%20receiving%20gifts%20or%20inheritances "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fwomen-take-charge-of-finances-with-wealth-transfer-guidance-5ff0bfa87eee%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial "LinkedIn") [ ](https://wa.me/?text=UMB%20outlines%20wealth-transfer%20considerations%20for%20women%20receiving%20gifts%20or%20inheritances%20https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fwomen-take-charge-of-finances-with-wealth-transfer-guidance-5ff0bfa87eee%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial "WhatsApp") ![women wealth considerations](https://giftcard.news/images/variants/v1/umb-outlines-wealth-transfer-considerations-women-receiving-gifts-inheritances-w1200.webp) Photo: Source: blog.umb.com [UMB](https://giftcard.news/company/umb/) has outlined planning considerations for women receiving wealth through gifts or inheritances, including the different responsibilities attached to an outright transfer and assets held in trust. The bank's commentary says a transfer can take place during the giver's lifetime or after death. The planning questions depend on the assets, the transfer's size, the recipient's access and any conditions attached to it. UMB recommends assembling advisers whose expertise matches the property received. Its examples include an investment manager for securities, someone with property experience for real estate and a corporate attorney where the transfer includes an interest in a business. The article also emphasizes revisiting a plan after changes such as marriage, divorce or a new job, and explaining its goals to family members or intended beneficiaries. For someone making a later transfer, it discusses the choice between lifetime and estate transfers and between an outright gift and a trust. UMB cites a [McKinsey](https://giftcard.news/company/mckinsey/) estimate that American women could own and manage nearly$34 trillion in financial assets by 2030\. That is a forward-looking estimate cited by the bank, rather than the value of assets already transferred. The commentary presents general planning considerations and does not announce a new financial product. ## Sources and documents ExpandCollapse * [Four considerations for women going through a wealth transfer](https://blog.umb.com/personal-banking-perspective-considerations-for-women-going-through-a-wealth-transfer/?utm%5Fsource=giftcard.news) — blog.umb.com ## In this article ### Companies * [McKinsey](https://giftcard.news/company/mckinsey/) * [UMB](https://giftcard.news/company/umb/) Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fwomen-take-charge-of-finances-with-wealth-transfer-guidance-5ff0bfa87eee%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=UMB%20outlines%20wealth-transfer%20considerations%20for%20women%20receiving%20gifts%20or%20inheritances "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fwomen-take-charge-of-finances-with-wealth-transfer-guidance-5ff0bfa87eee%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial "LinkedIn") [ ](https://wa.me/?text=UMB%20outlines%20wealth-transfer%20considerations%20for%20women%20receiving%20gifts%20or%20inheritances%20https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fwomen-take-charge-of-finances-with-wealth-transfer-guidance-5ff0bfa87eee%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial "WhatsApp") ![Portrait of Emma Carter](https://giftcard.news/images/variants/v1/emma-carter-editorial-portrait-w320.webp) About the author ## [Emma Carter](https://giftcard.news/author/emma-carter/) Journalist — Retail & E-commerce Emma Carter covers retail, e-commerce and the gift card shopping experience for Gift Card News. 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