WE_ ORE fl mays Great Rate Buyi NG lions and billions of dollars will be passed from people who came of age during World War II to the current Baby Boomers," he said. "It's going to be the largest trans- fer of wealth in the history of the world, and everyone should be mindful of their responsibility." Mr. Beckwith said he doesn't approve of the traditional sce- nario of the husband taking care of a family's finances with the wife "having faith that everything will work out." "That's dangerous because 60 percent of the private wealth in our country eventually passes through the hands of the wives and mothers in our families." The best financial advice Mr. Beckwith can give to families is "start making a commitment to saving. Without knowing a lot about investing, you can do as well as anyone in the crowd. It is a little more difficult to move ahead of the crowd, however." Many families see their ac- countant or tax professional only around income tax time, Mr. Beckwith said. He suggested tak- ing the initiative to talk a few times during the year to make sure financial matters are in or- der, even if it means extra ex- penses. "The professionals you work with view occasional reviews as an added service," Mr. Beckwith said. "That's usually because their clients give out the verbal equivalent of a wince when they find out how much it will cost them to have their income taxes done." What's the best way to find a reputable financial adviser? "We all know somebody whose judgment about people you trust," Mr. Beckwith said. "Find out who this person uses. But I think it's a good idea to check further into the professional who was recom- mended, maybe even ask for an interview." Several audience members asked questions about divorce. "When a marriage ends, it's very important to hire a lawyer who is at the top of his game," Mr. Beckwith said. "Many compli- cated situations arise from di- vorces because decisions involve lives. "Generally, the law says peo- ple get what they brought into a marriage, but what was gained during it is split. It's very difficult for someone to be better off fi- nancially after a divorce because of all the fees which need to be paid and the disruption. "Rarely, though, is someone left impoverished unless there wasn't anything to be divided in the first place. The law is in- tended to be gender-blind when it comes to divorce." Later in the day, Mr. Beckwith spoke on "Charitable Giving: Big Business —Big Benefits" in an- other talk sponsored by the Fed- erated Endowment Fund. 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