Retirement doesn’t have to mean slowing down. In fact, it can be one of the most effective stages for building and transferring generational wealth. I recently shared a few of my favorite strategies in a GoBankingRates article that highlights how retirees can continue to grow their financial legacy.

Here’s a summary of the most impactful strategies—along with the approach we take at Compound Advisory to make them real.

1. Keep Working—On Your Terms

You don’t need a traditional job to keep building wealth in retirement. Staying engaged in a low-maintenance business or passion project can provide meaningful income and purpose.

“Starting a business or purchasing a franchise you can oversee without much daily involvement is a great way to maintain income while building legacy wealth.”
— Heath Harris, Compound Advisory

This type of income allows you to remain financially flexible and continue growing your net worth, even in your retirement years.

2. Use Securities-Backed Lines of Credit

One of the most overlooked tools for wealthy retirees is the ability to borrow against your investment portfolio.

“With a securities-backed line of credit, you don’t have to sell your stocks or bonds when markets are down. It gives you flexibility to access capital and preserve your portfolio’s growth potential.”
— Heath Harris

Instead of liquidating investments at the wrong time, this strategy provides liquidity while preserving long-term compounding.

3. Be Strategic About Gifting

Gifting isn’t just a tax tactic—it’s a core part of a legacy plan.

“Use gifting strategies like annual exclusion gifts or family trusts to give now while minimizing estate taxes later. And always combine gifting with education—wealth without wisdom rarely lasts.”
— Heath Harris

At Compound Advisory, we often use tools like donor-advised funds, family education plans, and intergenerational wealth meetings to reinforce both the strategy and the stewardship behind it.

4. Explore Real Estate and Passive Income

Whether it’s through an accessory dwelling unit (ADU) or a well-located rental property, real estate can generate consistent income and act as a tangible asset for your heirs. These options can also provide favorable tax treatment and diversification from public markets.

5. Prioritize Financial Literacy

The best estate plan in the world won’t matter if your beneficiaries aren’t prepared. Teaching your family how to manage money, make smart decisions, and protect assets is one of the most valuable legacies you can leave behind.

Read the Full Article Where We are Featured:

5 Ways To Build Generational Wealth Even in Retirement – GoBankingRates

At Compound Advisory, our mission is to help clients turn retirement into a strategic phase of growth. Whether you’re sitting on cash from a business sale or managing a long-term portfolio, we’ll help you make smart decisions that grow your wealth and protect your legacy.

Ready to put these strategies to work?
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