In today’s complex financial environment, estate planning has evolved far beyond simple wills and probate avoidance. High-net-worth individuals (HNWIs), entrepreneurs, and multigenerational families face increasingly intricate decisions involving tax optimization, asset protection, cross-border regulation, and intergenerational wealth transfer. According to seasoned financial strategist Timothy Duma, effective estate planning at an advanced level requires a dynamic, multi-disciplinary approach that blends law, finance, philanthropy, and family governance. https://timothyduma1.wixsite.com/my-site-1/post/advanced-strategies-in-financial-estate-planning-insights-from-timothy-duma