{"id":4044,"date":"2019-07-01T21:42:00","date_gmt":"2019-07-01T21:42:00","guid":{"rendered":"https:\/\/fusionwm.com\/?p=4044"},"modified":"2022-10-14T21:51:35","modified_gmt":"2022-10-14T21:51:35","slug":"wealth-planning-and-the-over-privileged-child","status":"publish","type":"post","link":"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/","title":{"rendered":"Wealth Planning and the Over-Privileged Child"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"421\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.21-PM-1024x421.jpg\" alt=\"\" class=\"wp-image-4047\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.21-PM-1024x421.jpg 1024w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.21-PM-300x123.jpg 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.21-PM-768x316.jpg 768w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.21-PM-1536x632.jpg 1536w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.21-PM.jpg 1832w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Affluenza. It\u2019s a term that is being used more and more to describe the bad actions\u2014sometimes horrific actions\u2014of over-privileged children of affluent families.<\/p>\n\n\n\n<p>Never mind that it\u2019s not an official medical diagnosis. The label fits far too many kids today growing up surrounded by sizable family wealth and privilege.<\/p>\n\n\n\n<p>If you\u2019ve got one or more over-privileged children living under your roof, it may be time to take action\u2014from trying to correct the behaviors and prevent them from recurring to arranging your wealth in ways that don\u2019t add even more fuel to the \u201caffluenza fire.\u201d<\/p>\n\n\n\n<p>Here are some of the best ways we\u2019ve seen the Super Rich address the very real problem of over-privileged kids.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">What does over-privileged look like?<\/h1>\n\n\n\n<p>Over-privileged children tend to act recklessly without considering the consequences. Often this leads to them hurting themselves and their families because of addiction or violence. In other cases, their actions ruin the lives of many\u2014such as when one affluent Texas teen killed four people in a well-publicized drunk-driving accident.<\/p>\n\n\n\n<p>We\u2019re seeing a growing number of these children in recent years, driven in large part by the burgeoning number of extremely wealthy families. More rich and Super Rich families are being minted these days than at any time in history. Assuming the same percentage of children of the ultra-wealthy act out and there are considerably more such families, there will be a significant rise in the number of over-privileged children.<\/p>\n\n\n\n<p>Some of these kids\u2019 actions appear on social media. But most over-privileged children are living out of the limelight\u2014where they indulge to excess. They regularly are in conflict with the law, requiring their families come to their rescue in one form or another.<\/p>\n\n\n\n<p>Not surprisingly, they tend to be in their teens and 20s. When they are over the age of 30, they might lose the label of \u201cover-privileged children\u201d\u2014even though their actions and attitudes haven\u2019t changed a bit.<\/p>\n\n\n\n<p>Other key demographic characteristics found among many of today\u2019s over-privileged include:<\/p>\n\n\n\n<ul><li>They are the second generation or later scions of extremely wealthy families throughout the world.<\/li><li>Between hedonism and hard work, they always choose hedonism. In fact, many of them are seemingly striving to continually raise the bar on self-indulgent, pleasure-seeking behavior.<\/li><li>They have a strong sense of entitlement.<\/li><li>Many are narcissistic and tend to look down on those with less wealth.<\/li><li>They don\u2019t believe society\u2019s laws apply to them in the same way they apply to other people, in part because they have been in difficult legal situations from which their families have extricated them.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Who is to blame?<\/strong>&nbsp;The common argument that parents are entirely to blame for their over-privileged children does have some merit. Being given everything they ever wanted, being told they are wonderful and special, and having some\u2014if not all\u2014of their problems handled by their parents can create an environment fostering the creation of over-privileged children. &nbsp;<br><br>However, this explanation alone is too simplistic. After all, many heirs to great fortunes grew up in such an environment but turned out to be diligent, responsible, industrious and caring individuals. While a person\u2019s upbringing has a significant effect on his or her thinking and behavior, part of the problem of over-privilege lies with the person in question.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Addressing problems caused by over-privileged children<\/h1>\n\n\n\n<p>Dealing with the problems caused by an over-privileged child is often broadly conceptualized by behavioral professionals as a three-step process (see Exhibit 4):<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"690\" height=\"414\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-94.png\" alt=\"\" class=\"wp-image-4045\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-94.png 690w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-94-300x180.png 300w\" sizes=\"(max-width: 690px) 100vw, 690px\" \/><\/figure><\/div>\n\n\n<p><strong>Step 1: Crisis management.<\/strong> Immediate issues need to be addressed\u2014especially if they present dangers to a child or others. For example, if the child was arrested, lawyers are required to arrange for bail or some other speedy solution. A public relations expert might even be required. If there is a way to readily address damages, that approach must be identified and evaluated.<\/p>\n\n\n\n<p><strong>Step 2(a): Situation problem management.<\/strong> This is an extension of the previous step. The situation has been somewhat defused and action is being taken to mitigate and fix the problems created by the over-privileged child. Often an expanded team of specialists is required. At the end of this step, the result is some form of resolution to the problems caused by the over-privileged child.<\/p>\n\n\n\n<p><strong>Step 2(b):<\/strong> <strong>Child problem management.<\/strong> Next, the family takes action to get their over-privileged child help, if needed. Some corrective action should also be taken so the situation does not repeat itself. For example, in the case of drug addiction, the child goes to a rehabilitation center. Sometimes, the families are able to adjust the financials\u2014making it difficult or impossible for the over-privileged child to access funds when being destructive and harmful.<\/p>\n\n\n\n<p><strong>Step 3: From over-privileged child to responsible adult.<\/strong> A longer-term strategy should also be created and implemented to help over-privileged children become stable, well-functioning, capable adults. This is not to say that they will not make mistakes ever again. The aim is to help them avoid repeating the actions that caused them and their families significant problems. Part of the solution may be to control their access to family money until they are able to make financial (and other) decisions maturely.<\/p>\n\n\n\n<p>Dealing with the problems caused by over-privileged children and pursuing ways to help them can be a complex process. Various experts can be needed throughout the process, and we see an expanding set of professionals these days who are focused on helping wealthy families deal with problems when they arise. These professionals include traditional resources\u2014such as psychiatrists, psychologists and clinical social workers\u2014as well as new family consultants, family business consultants and life coaches.&nbsp; <\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Wealth management aspects<\/h1>\n\n\n\n<p>Wealthy families with over-privileged children need to make careful plans about their assets. Think about it: Leaving money to a child who suffers from a terrible drug addiction could be his or her death sentence.<\/p>\n\n\n\n<p>From estate planning to asset protection planning, it is wise to understand the issues involved around wealth and over-privileged kids, and work to mitigate their ability to cause problems because of easy access to money.<\/p>\n\n\n\n<p>There are a variety of wealth planning strategies that can be used to insulate the family and mitigate the impact of bad behavior.<\/p>\n\n\n\n<p><strong>One example:<\/strong> Using trusts that have built-in oversight of an over-privileged child\u2019s inheritance is a common and relatively easy way to protect the child and other people. Such trusts might also help protect assets from creditors and others. Of course, the best way to use a trust will depend on the particular situation.<\/p>\n\n\n\n<p>In certain situations, the wealth planning becomes more specialized. Where there is a family business and over-privileged children, for example, succession concerns and family wealth equalization can be argumentative topics. Families often need to think through the various approaches and become comfortable with the probable outcomes.<\/p>\n\n\n\n<p><strong>Warning:<\/strong> When it comes to expert wealth planning and over-privileged children, it\u2019s not the actual wealth strategies and techniques that are most important. The most critical aspect to achieving the desired (and necessary) results is truly understanding what those results are, and effectively communicating the possible action steps.<\/p>\n\n\n\n<p>That means if you work with a wealth management professional, he or she should be adept at uncovering your specific needs and goals <em>and<\/em> bringing the appropriate solutions to the table (either by themselves or via their relationships with expert specialists) <em>and<\/em> explaining the pros and cons of each approach.<\/p>\n\n\n\n<p>Contact your legal or financial professional to explore this topic further.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Quiz: Is Your Child Over-Privileged?<\/h1>\n\n\n\n<p>To get a sense of whether your child may be over-privileged, answer this series of questions.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Round 1 questions<\/h1>\n\n\n\n<p><em>When your child wants to buy the latest and most expensive tech gadgets, do you ever say no?<\/em><\/p>\n\n\n\n<p><em>Would you have a problem if your child took a year off from college to tour the world in style?<\/em><\/p>\n\n\n\n<p><em>If your child wanted a high-end sports car for his\/her 18th birthday, would you give him\/her any real pushback on that request?<\/em><\/p>\n\n\n\n<p>If you answered \u201cno\u201d to any of these questions, it\u2019s extremely likely that your child is privileged\u2014that is, he or she has certain advantages due to the considerable wealth of your family. Your child is in a position to do things, buy things and live a lifestyle with limited concern for cost.<\/p>\n\n\n\n<p>That doesn\u2019t mean your child is over-privileged, however.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Round 2 questions<\/h1>\n\n\n\n<p><em>Does your child consider himself\/herself to be better than most other people because of your family\u2019s social and financial standing?<\/em><\/p>\n\n\n\n<p><em>Does your child need to and intend to ever work for money or for the good of others?<\/em><\/p>\n\n\n\n<p><em>Does most everything revolve around your child and his\/her intent on having a good time?<\/em><\/p>\n\n\n\n<p>If your answers to these three questions are (respectively) yes, no and yes, your child might be something of a hedonist\u2014and possibly not very nice to be around. That said, he or she may not necessarily be over-privileged.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Round 3 questions<\/h1>\n\n\n\n<p><em>Do your child\u2019s actions cause significant problems for himself\/herself, you and other family members, or other people (or all three)?<\/em><\/p>\n\n\n\n<p><em>When your child does cause severe problems, do you always come to the rescue?<\/em><\/p>\n\n\n\n<p>If you answered yes to both questions, it\u2019s time to stop and reflect. If your family is wealthy <em>and<\/em> your child is selfishly hedonistic <em>and <\/em>your child acts in ways that hurt your life and the lives of your loved ones (and even strangers) <em>and<\/em> you swoop in to save your child from the consequences of his\/her bad actions\u2014your child is very likely over-privileged.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>This report was prepared by, and is reprinted with permission from, VFO Inner Circle.&nbsp; AES Nation, LLC is the creator and publisher of VFO Inner Circle reports.<\/p>\n\n\n\n<p>Disclosure: The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. The material is for informational purposes only. It represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. It is not guaranteed by Kestra IS or Kestra AS for accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA\/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.<\/p>\n\n\n\n<p>Fusion Wealth Management is not affiliated with Kestra IS or Kestra AS. <a href=\"https:\/\/www.kestrafinancial.com\/disclosures\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.kestrafinancial.com\/disclosures<\/a><\/p>\n\n\n\n<p>VFO Inner Circle Special Report<br>By Russ Alan Prince and John J. Bowen Jr.<br>\u00a9 Copyright 2021 by AES Nation, LLC. All rights reserved.<\/p>\n\n\n\n<p>No part of this publication may be reproduced or retransmitted in any form or by any means, includ- ing, but not limited to, electronic, mechanical, photocopying, recording or any information storage retrieval system, without the prior written permission of the publisher. Unauthorized copying may subject violators to criminal penalties as well as liabilities for substantial monetary damages up to $100,000 per infringement, costs and attorneys\u2019 fees.<\/p>\n\n\n\n<p>This publication should not be utilized as a substitute for professional advice in specific situations. If legal, medical, accounting, financial, consulting, coaching or other professional advice is required, the services of the appropriate professional should be sought. Neither the authors nor the publisher may be held liable in any way for any interpretation or use of the information in this publication.<\/p>\n\n\n\n<p>The authors will make recommendations for solutions for you to explore that are not our own. Any recommendation is always based on the authors\u2019 research and experience.<\/p>\n\n\n\n<p>The information contained herein is accurate to the best of the publisher\u2019s and authors\u2019 knowledge; however, the publisher and authors can accept no responsibility for the accuracy or completeness of such information or for loss or damage caused by any use thereof.<\/p>\n\n\n\n<p>Unless otherwise noted, the source for all data cited regarding financial advisors in this report is CEG Worldwide, LLC. The source for all data cited regarding business owners and other professionals is AES Nation, LLC.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Affluenza. It\u2019s a term that is being used more and more to describe the bad actions\u2014sometimes horrific actions\u2014of over-privileged children of affluent families. Never mind that it\u2019s not an official medical diagnosis. The label fits far too many kids today growing up surrounded by sizable family wealth and privilege. If you\u2019ve got one or more [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":4046,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Wealth Planning and the Over-Privileged Child - Fusion Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wealth Planning and the Over-Privileged Child - Fusion Wealth Management\" \/>\n<meta property=\"og:description\" content=\"Affluenza. It\u2019s a term that is being used more and more to describe the bad actions\u2014sometimes horrific actions\u2014of over-privileged children of affluent families. Never mind that it\u2019s not an official medical diagnosis. The label fits far too many kids today growing up surrounded by sizable family wealth and privilege. If you\u2019ve got one or more [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/\" \/>\n<meta property=\"og:site_name\" content=\"Fusion Wealth Management\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-01T21:42:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-14T21:51:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.12-PM.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1076\" \/>\n\t<meta property=\"og:image:height\" content=\"1106\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/\",\"url\":\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/\",\"name\":\"Wealth Planning and the Over-Privileged Child - Fusion Wealth Management\",\"isPartOf\":{\"@id\":\"https:\/\/fusionwm.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.12-PM.jpg\",\"datePublished\":\"2019-07-01T21:42:00+00:00\",\"dateModified\":\"2022-10-14T21:51:35+00:00\",\"author\":{\"@id\":\"https:\/\/fusionwm.com\/#\/schema\/person\/3ecd6a98a6e9fa9c4200d83417372128\"},\"breadcrumb\":{\"@id\":\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/#primaryimage\",\"url\":\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.12-PM.jpg\",\"contentUrl\":\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.49.12-PM.jpg\",\"width\":1076,\"height\":1106,\"caption\":\"Wealth Planning and the Over-Privileged Child\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/fusionwm.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Wealth Planning and the Over-Privileged Child\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/fusionwm.com\/#website\",\"url\":\"https:\/\/fusionwm.com\/\",\"name\":\"Fusion Wealth Management\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/fusionwm.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/fusionwm.com\/#\/schema\/person\/3ecd6a98a6e9fa9c4200d83417372128\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fusionwm.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/4bd0e5605b4aec952fd9c7a655eb4abe?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4bd0e5605b4aec952fd9c7a655eb4abe?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/fusionwm.com\/author\/smsadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Wealth Planning and the Over-Privileged Child - Fusion Wealth Management","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fusionwm.com\/wealth-planning-and-the-over-privileged-child\/","og_locale":"en_US","og_type":"article","og_title":"Wealth Planning and the Over-Privileged Child - Fusion Wealth Management","og_description":"Affluenza. It\u2019s a term that is being used more and more to describe the bad actions\u2014sometimes horrific actions\u2014of over-privileged children of affluent families. Never mind that it\u2019s not an official medical diagnosis. The label fits far too many kids today growing up surrounded by sizable family wealth and privilege. 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