Over the three-year period in which I have written this column, I have focused each article on a single area of financial risk for high-net-wealth families and individuals. I’ve decided to break the mold this time, instead, focusing on several risks of concern to the affluent.

To help in this undertaking, I reached out to four insurance professionals whose agencies specialize in serving a wealthy clientele and asked each one to relate a particularly worrisome risk cited recently by several of their clients. 

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