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When people talk about risk in family offices, the conversation often begins and ends with investments. Market volatility, asset allocation, and return assumptions tend to dominate attention. Many family offices, however, recognize a quieter reality. Some of the most significant risks families face are personal, not financial. Litigation, liability, liquidity…

Employee benefits have become a key part of the hiring and retention of employees in today’s hiring market. There is increased stress on compensation as demand for higher salaries and pay rates come from potential hires and the existing workforce. An employer’s willingness to put the time and effort into…

Today’s headlines are filled with talk about inflation and rising prices. Although the recent Consumer Price Index reporting has showed a slight curve in trend, businesses will continue to deal with the balancing act of absorbing cost increases while retaining employees. The cost of labor and benefits continues to rise,…

In aging services, some of the most significant insurance costs are not driven by catastrophic events, they are built over time through everyday operational strain. Workforce fatigue is one of the most overlooked drivers of claims frequency, severity and ultimately, total cost of risk. It often develops gradually, yet its…

The commercial insurance market continues to adjust after several years of heightened volatility. While some lines are showing signs of stabilization, others remain challenged by ongoing claim severity, litigation trends and evolving risk exposures. Insurers are approaching underwriting with greater discernment as economic conditions, regulatory requirements, workforce dynamics and technological…

Life sciences are on the cutting-edge of innovation: They’re developing breakthrough drugs and vaccines, advanced medical devices and diagnostic tools, and sustainable environmental solutions. But all this advancement is exactly what makes pharmaceutical, biotech and medical device firms prime targets for cyberattacks, data breaches, fraud and even counterfeiting. And these…

For years, employee benefits were designed with a broad workforce in mind. But broad is no longer enough.  Today’s workforce is more diverse, more dynamic and more vocal about what support really looks like. Employees want benefits that reflect real life, not generic offerings that overlook the needs shaping their…

Cybersecurity is often framed as a technology issue. For family offices, it is something more personal. A cyber incident can affect finances, privacy, reputation and in some cases, physical safety.  Family offices sit at the intersection of wealth, discretion and information. They manage sensitive financial records, governance documents, personal identifiers,…

At the height of the pandemic, virtual care became a critical avenue for healthcare delivery, providing patients with access to essential services from the comfort of their homes.  Telemedicine usage among physicians skyrocketed during this period, jumping from 15.4% in 2019 to 86.5% in 2021, according to the Centers for Disease Control and Prevention.   Much has changed over the past five years,…

The decision to purchase life insurance may be one of the most important financial decisions you will make. At its core, life insurance provides financial protection, a tax-free death benefit that offers your loved ones peace of mind through the legacy you leave behind. But if you have permanent life…