Even kids of the ultrawealthy are anxious about inheritance. Here are 4 top questions I get asked as a wealth expert.

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This as-told-to essay is based on a transcribed conversation with Valerie Galinskaya, 38, a family wealth advisor at Bank of America based in New York City, about helping ultra-high-net-worth clients — defined by the bank as those with more than $10 million in investable assets — navigate inherited wealth. The following has been edited for length and clarity.