General Counsel, Risk Management & Family Office Support

General Counsel Advice

RGF can serve as the general counsel and chief financial officer of your family or family office overseeing all legal aspects of the family office. This includes, among other services, review of purchase / sale agreements, buy-sell agreements, joint venture agreements, investment agreements, and real estate transactions. Our holistic planning approach incorporates the interconnected aspects of estate planning, wealth structures, family dynamics, and taxes to ensure strategic alignment.

Comprehensive Risk Management Advisory Services

At RGF, we offer comprehensive guidance on all aspects of risk management and insurance to help clients select the most suitable solutions for their unique risk needs. Whether traditional commercial or personal coverage, a captive insurance company, specialized insurance options, or a custom blend of these approaches best suits their profile, we provide clear, objective advice tailored to each client’s risk profile. Leveraging our expertise in personal and commercial property and casualty insurance, we advise high-net-worth individuals and family offices with insights on a range of coverages, including:

• Property and real estate

• General liability

• Auto and aircraft

• Art collections

• Umbrella policies

• Healthcare

Personal Risk Coverage

Many RGF clients, aware of the personal risks associated with wealth, particularly when traveling, seek our advice on specialized policies like Kidnap & Ransom insurance. This coverage provides critical resources for handling sensitive, high-risk situations effectively and discreetly.

Review, Audit & Optimization

Through a thorough review and audit of risk exposures, we uncover opportunities for enhanced coverage at reduced costs, as well as offering potential strategies using alternative insurance and non-insurance techniques to appropriately manage risks and potential liabilities.

Ongoing Support

Following the review, our professionals continue to monitor and manage the insurance program, ensuring it remains responsive to evolving needs and risk landscapes.

Unbiased Life Insurance Planning

Beyond private placement life insurance, our expertise extends to advising clients on death benefit-oriented life insurance planning. Our professionals provide unbiased guidance tailored to individual needs, assisting clients with:

• Estate Tax Liquidity: Life insurance strategies to cover estate tax liabilities, preserving assets for heirs.

• Buy-Sell or Cross-Purchase Arrangements: Insurance solutions for business owners to fund buy-sell agreements, ensuring smooth ownership transitions.

• Income or Wealth Replacement: Life insurance options designed to secure income and protect wealth for future generations.

Family Office Support Services Tailored to Your Needs

Depending on the level of support RGF clients receive from family offices, accountants, or other advisors, our administrative services can be customized to meet virtually all administrative needs or focus on specific areas. Our services include:

• Tax reporting and filings (i.e., compliance with the Corporate Transparency Act, international and domestic jurisdictional filings, annual minutes, recurring state filings, and other corporate requirements).

• Liaising with trustees, protectors, asset managers, custodians

• Maintaining corporate or partnership books and records 

• Facilitating contributions to or withdrawals from various structures

• General transactional assistance

To ensure cost-effectiveness, these services can be provided primarily by skilled non-legal professionals at either an hourly rate or agreed fixed fee.

Please note that RGF is not an insurance broker and only provides legal and non-legal advice on insurance matters; it does not sell or place any insurance or investment products.