A boomer helped pay for his daughter's college and her husband's student debt. He won't start gifting their inheritance until they curb their spending.

• Ken, a semi-retired executive, helped his daughter and her husband pay for college and a home.
• He'd like to gift them the annual tax-free allowance once they've reigned in their spending.
• Some baby boomers are proactively transferring wealth when their adult children need it most.

Ken, a semi-retired health services executive, helped his daughter and her husband pay for college and for their home.

He'd like to start transferring more of his wealth to them via annual cash gifts — but not until he's confident they've got their spending under control.