Mark called us shortly after his daughter's wedding. "I just watched her marry a con artist. And I have $6.3M that he's going to try to get his hands on." Ashley was 32. Smart. Successful career. Head over heels. Derek was 38. "Entrepreneur." Three failed LLCs. Two

Illiquid assets are a prison. They’re not easily sellable, require your personal attention, and reduce optionality just when families need it most. These assets are a good problem to have, but a problem nonetheless. Commercial real estate, small business shares, private equity

Recently helped a client obtain a DPLoC commitment with BMO. They now have a high-yield savings account opened to receive proceeds from their very own bond. The bank will also distribute proceeds such as insurance premiums, bond interest payments, and annual fees, all done for

We have clients with life insurance payouts that’ll be so large, Gen 1’s death will become Gen 3’s collateral. That’s how life-changing these policies are, and their cost is covered by the cheapest money available on the market. The type that’s typically reserved for

I’ve always appreciated this line from Michael Pompian’s book, Advising Ultra-Affluent Clients & Family Offices: “The advisor’s role is to connect disciplines without competing with them.” That observation captures something many families intuitively feel but rarely articulate.

Having capital ready when the unthinkable happens is ideal, but that isn’t necessarily easy. That’s why research consistently shows that wealth erosion is driven less by markets and more by the quality of capital structure, discipline, and governance. I’ve never seen a family

There aren’t many ways to turn a slice of your balance sheet into future liquidity without… - Selling your assets - Redeploying capital - Interrupting investment mandates - Temporarily giving up your assets But at The Monolith Group, we’ve engineered a way to create contingent

This February month is special 4 Mondays 4 Tuesdays 4 Wednesdays 4 Thursdays 4 Fridays 4 Saturdays 4 Sundays This only happens once every 823 years!

Issuing a bond at the estate level isn’t for everyone, and it shouldn’t be treated casually. There are baseline financial criteria that matter before underwriting even begins: - Net worth in excess of $25million with ample liquidity - Confidence that pledged collateral is not

Selling core assets to pay estate taxes is a planning failure. Families should never have to sell their best assets to pay their worst tax bill. But that can happen when planning focuses on growth and pursuing alpha rather than capital structure and control. When taxes arrive

Heirs often inherit more than assets. They inherit expectations, rules they didn’t design, and responsibilities they didn’t ask for. All the while, their parents simply tell them: “Don’t sell this.” The reasoning for that is obvious, but it isn’t particularly helpful. If you

A $250 million family presents with a common and pervasive issue. Their situation is an example of a challenge many families face: Their “Never Sell” assets are illiquid, and they want to hold them for 5 generations minimum. In their case? Luxury resorts, private clubs,