Should you give your money away now or let them inherit it later? This simple saying might change the way you think about wealth, legacy, and what you actually want your financial independence to mean for the people you love.
In this video, Tommy Blackburn, CFP®, CPA, PFS shares a phrase he picked up from a conversation with a stranger on a trip — and why it stuck with him. “Warm hand or cold hand” is a powerful way to think through one of the most personal financial planning questions federal employees and retirees face: when and how to pass on what you’ve built.
Whether you want to see the impact while you’re here or leave a lasting legacy, the right answer is different for everyone. But it starts with asking the question.
Timestamps:
0:00 – The saying that started it all
0:57 – Where Tommy heard “warm hand, cold hand”
1:35 – What it really means for your money and your family
2:12 – Why it’s complicated — and why it matters
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About Mason & Associates:
Mason & Associates is a fee-only Registered Investment Advisor specializing in financial planning for federal employees. Our team of credentialed advisors — CFP®, CPA, and EA — helps federal employees understand their benefits, optimize their retirement, and make confident decisions.
Investment advisory services offered through Mason & Associates, LLC. The content of this video is for general educational and informational purposes only and should not be considered specific investment, financial, tax, legal, or other professional advice. Please consult with a qualified financial advisor regarding your specific situation.
