Risk You May Not See

Hidden threats to your wealth and lifestyle could be lurking.

As wealthy households plan to sustain their assets, they must also consider potential financial hazards. Some of these risks are not always obvious.

Illiquidity of assets

When the bulk of a household’s net worth is held in real estate or a business, a retirement transition may hinge on finding buyers or investors—and as illiquid assets are converted into cash, significant monetary value may be lost. (1)

Family issues

Fragmented relationships with a spouse and children can also breed family financial conflicts. If one spouse dies, income can disappear, and joint filing status is lost.

An insurance shortfall

Customized underwriting may be needed to obtain policies with necessarily high levels of coverage.


While medical professionals and business owners always live with this possibility, asset protection from creditors and “predators” becomes especially vital in and near retirement.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. LPL Financial Representatives offer access to [Trust Services through The Private Trust Company N.A.], an affiliate of LPL Financial. To the extent you are receiving investment advice from a separately registered independent investment advisor, please note that LPL Financial is not an affiliate of and makes no representation with respect to such entity. Not FDIC or NCUA/NCUSIF Insured Not a Bank/Credit Union Deposit No Bank or Credit Union Guarantee May Lose Value Not Insured by any Government Agency. Tracking #1-827682

1 USTrust.com, “2017 Insights on Wealth and Worth,” Spring 2017

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