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What you need to know about giving your adult child a financial gift

A financial gift between generations is more than a single transaction; it is part of an ongoing conversation about money, values, and family support.

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Q: My husband and I are hoping to give our daughter a larger sum of money toward the down payment on her first condo that she and her fiancé are in the process of buying. We have a son too, and he is not in a position to buy anything right now, so I do not want him to feel like we are playing favourites just because his sister’s timing worked out first. I also want to make sure the money remains hers if anything goes sideways in her relationship. We have never done anything like this before and honestly have no idea what we are supposed to do here, paperwork or otherwise, beyond simply writing a cheque. What can you suggest? ~Marjorie

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