Earlier generations of Americans lived shorter lives and didn't save as much because they expected to die soon after retirement.
Experts warn that taxes and complex rules are making the inheritance process daunting.
That's largely due to the soaring bull market in stocks and the effects of tax-deferred savings plans. Aside from the effects of large assets, an estate can be ensnared in family complexities. In addition to the usual heirs, survivors may include stepchildren, ex-spouses, and longtime companions. The danger here, financial planners say, is that families can soon run up large legal bills that cut into the bequest.