As individuals are finding themselves with large sums of money from inheritances and huge stock market gains, financial planners must serve this fast-growing market with customizable plans that allow for successful wealth transfer, according to an article in the upcoming issue of Accounting Today. Financial adviser Allen F. Ross writes, "What is needed is a multi-faceted program to dramatically enhance the transfer of wealth to future generations." He states the need for a custom-designed strategy created through a variety of planning tools prepared by a professional who has knowledge of Internal Revenue Service requirements, estate planning techniques, tax-efficiency methods, and insurance law.