Jonathan Guyton is principal at Cornerstone Wealth Advisors Inc., a fee-only advisory firm in Minneapolis.

Billion-dollar charitable donations and pledges from the likes of Bill Gates, Warren Buffett and now Mark Zuckerberg have been big news in recent years. But under the radar lie millions more over five million, according to Nielsen retired and soon-to-retire “affluent” households with net worth of $1 million and above.

More important than their current count is this group’s growth: faster than any other wealth cohort.

Most will follow a plan to provide for sustainable retirement income that, in all but the worst economic circumstances, will see their wealth continue to increase during this phase of life. It takes time, but most of these retirees will gradually shift from a focus on having enough money to one of realizing they have more than they will spend.

Then what?

Not surprisingly, many will leave the vast majority of their wealth to children, grandchildren, family and friends.