Until recently, the emphasis in estate planning was on saving estate taxes. But there is more to estate planning than taxes. Even the most sophisticated plan is worthless if clients' assets are lost to a catastrophic judgment. Within the past few years, we have seen wild volatility in the stock market and a staggering increase in individual and business bankruptcies. For many of our high-net-worth clients, the emphasis is now more on wealth preservation than accumulation. The ability to
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