Older Americans will pass on more than $120 trillion to heirs and charities over the next 25 years, according to a wealth management company’s study. But financial advisers caution against assuming you’ll get lucky — half of the “great wealth transfer” will come from just the top 2% of households. Also in this episode: Insurance grows pricier, the Consumer Financial Protection Bureau limits bank overdraft fees and less than 10% of Americans moved last year — the lowest proportion since the Census Bureau began keeping track in 1948.