How Helping Adult Children Can Quietly Reshape Your Retirement

A recent Barron’s article (Sept 27, 2025) highlighted a trend we see often in our practice: even among the affluent, parents continue covering adult children’s expenses. More than 75% pay for major costs like housing or tuition, and nearly two-thirds cover everyday bills.

Most parents feel confident this won’t derail their retirement — but more than a third admit concern. With inflation and housing costs rising, support often lasts longer than expected, and without boundaries it can quietly reshape a family’s financial future.

Our Take
Helping your children isn’t the problem. The risk is doing it without a plan. Ongoing support, if not aligned with retirement and estate strategies, can undermine the very independence parents want to preserve.

The Moonstone Difference
At Moonstone, we view family support as an investment decision. With clarity and foresight, generosity can be sustainable — protecting your future while helping the next generation find theirs.

 

 


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