When Wealth Moves Sideways: What Horizontal Transfers Mean for CommScope Holding Households

Healthcare Provider Update: Healthcare Provider for CommScope Holding CommScope Holding employs its workforce through an array of benefits, including health insurance offerings provided primarily by major insurers such as UnitedHealthcare, Cigna, and Blue Cross Blue Shield. These were selected due to their extensive national coverage and tailored plans that address various employee healthcare needs. Predictions on Healthcare Cost Increases in 2026 In 2026, healthcare costs are poised for dramatic increases, reflecting a perfect storm of factors affecting the Affordable Care Act (ACA) marketplace. Premiums for ACA plans are expected to rise sharply, with some states reporting hikes over 60%. This surge is driven by a combination of rising medical costs and the possible expiration of enhanced federal subsidies, which means that many enrollees could see their premiums skyrocket by over 75%. As a result, employees at CommScope Holding should strategically consider their healthcare options early to prepare for the financial implications ahead. Click here to learn more

'CommScope Holding employees should treat the first spouse’s death as a bracket stress test—model RMDs early, pace Roth conversions, engage both partners, and coordinate with tax and legal professionals before surprises hit.' — Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

'For CommScope Holding employees, charting how assets shift to a surviving spouse can reduce unexpected surprises. Talking to qualified tax and estate advisors can help.' — Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

1. The horizontal transfer of wealth between spouses and its growing impact on estate planning for CommScope Holding families.

2. The tax implications of Required Minimum Distributions (RMDs) and strategic Roth conversions to manage income brackets and help preserve assets.

3. The evolving role of charitable giving and spousal financial engagement in shaping effective multi-generational legacy plans.

Major wealth transfers are anticipated over the coming decades. By 2045, more than $84 trillion is expected to change hands—$11.9 trillion to charities and $72.6 trillion to heirs and family members ¹ —and many of those dollars will first move “across” to surviving spouses rather than straight “down” to children.

Because women often live longer than men, a sizable share of assets may shift laterally to widows before any vertical bequests occur, a point stressed by Wealth Enhancement senior wealth advisor Mike Corgiat. This is important for CommScope Holding retirees with sizable IRAs to note. 

Pre-boomer generations are projected to pass $15.8 trillion in the next decade, while baby boomers may transfer nearly $53 trillion ¹ —frequently after the first spouse dies—illustrating how wealth rarely travels in a clean vertical line. 

This horizontal detour has real implications for required minimum distributions (RMDs), retirement savings, and estate tax exposure that can affect CommScope Holding employees late in retirement.

Current rules require RMDs to begin at age 73 for those born 1951–1959 and at 75 for those born in 1960 or later, and a surviving spouse can often roll an inherited IRA into their own to delay distributions—sometimes compressing taxable income into fewer years.

Brent Wolf, a retirement income planner with Wealth Enhancement, notes that once RMDs start and the survivor files as single, identical withdrawals can land in higher brackets—an issue that can surprise a survivor when income sources are already shifting.

Strategic Roth conversions while both spouses are alive—often in the 60s or early 70s—may help trim future RMDs and give the survivor more control, a tactic many CommScope Holding retirees may want to evaluate while they still benefit from joint tax brackets.

Corgiat emphasizes that conversions executed at comparatively lower rates can lessen the tax hit on both the survivor and heirs, while Wolf adds that thoughtful timing lowers the odds of large, forced taxable withdrawals later—key considerations for CommScope Holding employees eyeing estate efficiency.

Philanthropy is shifting too, as more affluent families embrace “living legacy” giving so they can witness impact, but a sudden asset windfall can delay or confuse charitable intent if the less-involved spouse isn’t already engaged in the broader plan. 

Wolf recommends that spouses who haven’t driven the finances start participating early, since many women may ultimately steer multimillion-dollar portfolios and will benefit from hands-on experience before the transfer moment arrives. 

Coordinated planning across tax, investment, and estate disciplines can answer pivotal questions for CommScope Holding retirees: How large might RMDs become with only one personal exemption? Would spreading Roth conversions over several years keep income in more favorable brackets? Are beneficiary designations current on retirement plans and insurance? Do charitable goals call for donor-advised funds, qualified charitable distributions (QCDs) from IRAs, or a family foundation? Has the estate been reviewed for credit shelter or portability strategies and potential federal or state estate taxes?

The death of the first spouse often triggers the most dramatic ownership and tax changes, so acting earlier—stress-testing single-life cash flows, harvesting gains or losses, accelerating withdrawals in low-income years, and reviewing insurance and titling—can materially influence outcomes for CommScope Holding retirees.

Those headline numbers—$84.4 trillion overall, $72.6 trillion to heirs, $11.9 trillion to charities—signal the size of what’s coming, but the net amount that actually arrives depends on how transfers occur and which tax rules apply, especially for families with layered benefits and investments.

As this horizontal phase of wealth transfer approaches, CommScope Holding employees may benefit by preparing actively to pass the baton to a suriving spouse.

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Analogy:  Picture a family’s wealth as a relay baton on an L-shaped track headed toward a $84.4 trillion finish line—$72.6 trillion earmarked for heirs and $11.9 trillion for charity—and the baton must first take a sideways turn between spouses, a reality many CommScope Holding couples will face before assets sprint down the straightaway to children and philanthropy.

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Sources:

1. Cerulli Associates. “ Cerulli Anticipates $84 Trillion in Wealth Transfers Through 2045 .' 20 Jan. 2022.

2. MassMutual. “ The horizontal wealth transfer: Redefining women’s wealth ,” by Shelley Gigante, 10 Mar. 2025.

3. MarketWatch. “ When a spouse dies, there can be a ‘tax explosion’ for the one left behind ,” by Beth Pinsker, 18 Jan. 2025.