Protecting wealth is as much about protecting the lifestyle of those we cherish as it is about the security of capital. If the unexpected happens as inevitably it does at some stage, it is important that we have had the foresight to take steps to limit the impact for those most affected. This means ensuring that our families continue to enjoy the lifestyles they have become accustomed to, education continues, wedding plans proceed and an effective hedge is provided against punitive tax liabilities on estates.