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A family can have a nine-figure balance sheet and no financial security. Income is what comes in. Wealth is what you keep. Security is whether the household actually works — whether the bills, the care, the properties and the people are handled without reaching into the portfolio to cover the gap. Wealth management has mastered the second. Ninety percent of assets leave the adviser at the next generation. Owning the third is no longer a service tier. It is the mandate.