When it comes to passing on wealth, communication and planning are essential. Our experts offer smart steps to consider for every stage of the process.

From latte-making robots to  paying for college, Merrill  Perspectives explores the (often unexpected) issues, trends and ideas that are shaping our world.  Our experts go beyond the headlines and the numbers so you can better understand what these changes mean to you and your financial life. Merrill Lynch, Pierce, Fenner & Smith is a registered broker-dealer, registered investment adviser and Member SIPC