The information provided reflects our perspective on wealth, protection, and private credit strategies and may be considered financial advice. Such guidance is educational in nature and not individualized until formal engagement and underwriting are complete. Life insurance products are underwritten solely by MassMutual or John Hancock, licensed insurance carriers regulated by state insurance departments. Premiums and related payments are made directly to the issuing carrier. Melqart does not itself underwrite insurance or hold client funds. Select private credit and trade finance opportunities are relationship-based, contractual in nature, and subject to individual risk and legal documentation. Clients should consult their own legal and tax advisors before implementation.