尚祖安

万时财富管理咨询创始人，理财规划、财富管理资深专业人士。从事财富管理咨询与培训行业，为高净值、超高净值家庭/家族提供财富管理与传承服务超过26年。中国银行业协会《私人银行理论与实务》教材编写委员会委员、专家顾问委员会专家。

于永超

北京未名律师事务所主任、创始合伙人，资深律师与家族财富管理专家，中国式股东互保创始人。执业超28年，专注于财富保护与财富传承、家族企业治理、股权传承、家族信托等领域。长期为企业家、私人银行及家族办公室提供专属服务。倡导天下无讼，家和业兴。

季亨卡

中伦律师事务所合伙人，具有中国和美国律师资格。一直以来深受超高净值家族客户信任，擅长于家族财富规划、财富保护与财富传承。曾多次荣获国际评级机构（钱伯斯、法律500强等）在私人财富、税务领域的特别推荐。

第一章　为什么富过三代这么难

第一节　富有阶层，跌落的原因······················································3

第二节　富过三代，艰难的挑战······················································8

第三节　财富平分，错误的选择·····················································13

第四节　认知局限，失败的根本·····················································15

　第二章　财富管理是在管什么

第一节　重新定义财富管理···························································25

第二节　管理流动性：财富不流动不增值··········································32

第三节　管理风险：富贵险中求·····················································34

第四节　富人的财富管理逻辑························································38

第五节　财富管理的系统化···························································42

　第三章　企业财产合规化

第一节　家企隔离：守护家族财富安全············································50

第二节　担保、对赌与代持：穿透的不只是财富·································61

第三节　家族债务风险隔离策略·····················································72

第四节　刑事责任风险：企业主的成功陷阱·······································78

　第四章　合规财产私有化

第一节　什么是财富管理中的财富私有化··········································92

第二节　企业财富私有化的实现路径···············································93

第三节　企业上市，财富落袋为安················································ 105

第四节　个税，不可跨越的必经之门··············································114

　第五章　私有财产系统化

第一节　资产配置的相关概念、作用及结构····································· 120

第二节　保险在资产配置中的规划与意义········································ 142

第三节　系统化管理，需要重视婚姻风险与防范······························· 156

第四节　财富全球化，需要考量全球身份规划·································· 174

第五节　税务合规与筹划，财富安全私有化的根本···························· 182

第六节　家族办公室的选择与设立················································ 200

　第六章　系统财产传承化

第一节　财富传承没有机会再重来················································ 220

第二节　家族财产继承分析························································· 230

第三节　不同司法环境下的家族信托············································· 253

第四节　家族慈善基金的运营与管理············································· 285

第五节　家族传承与家族宪章······················································ 299

　第七章　选对财富管理从业者

第一节　要特别小心只谈优势与低价竞争的从业者···························· 321

第二节　真正的专业人士会从客户的角度去规划······························· 325

第三节　高知名度不等于高质量服务············································· 326

第四节　选择“三有”专业人士··················································· 328

第五节　如何评估职业道德························································· 331

　后记