Imagine you’ve been making all the right financial moves for a long time. You estimated your future needs, diligently set aside a portion of every paycheck, invested the money according to a trustworthy strategy, bought proper insurance for your family, stocked an emergency fund, made sure your paperwork is in order (wills, trusts, living wills, power-of-attorney documents), and everything else. If you’ve done all that, congratulations — you’re in far better shape than most people! Now imagine today is your last day alive.

Planned giving is not for the faint at heart. Nevertheless, an increasing number of churches across America are hosting estate planning (wills and trusts) educational seminars. These churches are serving their members with essential end-of-life decisions while at the same time adding hundreds of thousands of dollars, even millions of dollars, of future gifts for ministry.

Most of the wealth people possess is held in non-cash or non-liquid assets, an estimated 90%. Of all this wealth, a significant portion will transfer. The question is, who will receive those assets? Unfortunately, it looks like very little of that transfer will end up going to churches or kingdom causes.