The information provided reflects our perspective on family financial structure and long-term capital preservation and is strictly educational in nature. It should not be interpreted as individualized financial, tax, or legal advice, nor as a solicitation to buy or sell any financial instrument. Melqart is a private research and educational platform. Life insurance products, where applicable, are underwritten solely by licensed mutual insurance carriers regulated by state insurance departments; Melqart does not hold client funds or accept payment. Select private credit and trade finance discussions are conceptual, relationship-based, and by invitation only. Individuals should consult their own legal and tax advisors before implementation.