re: #4 Bob Levin

There are and have been structures and methods in place for creating wealth for individuals and families outside of the “business” system for a long, long time without the use of equities, Wall St. or banks.

Problem is, that Wall St. and the banks have most of us “educated” on how to do it their way (which does not work well - except for them). And funny, how it happens, most of the government financial folks come from Wall St. & the banks. i.e., SecTres. etc.

It has, in the past, been the realm of the rich and highly educated (think Wharton). Problem here is that the structure must be customized for each individual - there is no cookie cutter. It is thru the use of specific proprietary insurance products, existing laws and integrated with the (ever-changing) tax code coupled with eliminating transfers and downside risk, custom fitted to each individuals abilities and desired outcomes that makes it work. Not exciting cocktail party chatter unless you are a financial and/or legal geek.