Protecting and managing your assets, particularly in the event of your incapacity or death. Passing your assets on death to family members (and/or charity) efficiently, sometimes with features for management (trusts) and for protecting beneficiaries against unnecessary taxes, imprudent spending or investments, marital problems, and creditor claims. Passing your assets to family members during lifetime by gifts, sometimes using trusts. Hedging risks of premature death through life insurance, with particular attention to policy ownership vehicles that minimize taxes and provide efficient management of proceeds.