Risk Ready- Presented by The Private Risk Management Association

Private aviation has become an increasingly important part of many affluent families' lifestyles, but insuring an aircraft is only one piece of a much larger risk management conversation. In this episode of Risk Ready, PRMA sits down with aviation insurance specialist Samantha Money to explore the complex liability, regulatory, and coverage issues that often go unnoticed by aircraft owners and even their trusted advisors. From the misconception that a personal umbrella policy extends to aviation-related claims to the unique challenges surrounding owner-flown aircraft, international travel, charter arrangements, and fractional ownership, this conversation sheds light on the hidden exposures that can leave affluent families under protected. Listeners will also learn why aviation specialists should be involved early, the most common mistakes made during aircraft acquisitions, and the critical questions wealth advisors, family offices, and insurance professionals should be asking to ensure an aviation program aligns with a client's broader risk management strategy. Whether you advise private aviation clients or simply want a better understanding of one of the most specialized areas of high-net-worth risk, this episode offers valuable insights into protecting complex assets in an increasingly sophisticated environment. 

Protecting wealth today goes far beyond insurance policies and investment portfolios. For affluent families, risk management increasingly means protecting a balance sheet, a legacy, a lifestyle, and future generations. In this episode of Risk Ready, Bryant Kolle sits down with Tom Ruggie, Founder and CEO of Destiny Family Office, to explore how family offices think about risk through a broader lens. From governance and reputational concerns to emerging lifestyle exposures and generational wealth transitions, Tom shares how sophisticated families approach protection in an increasingly complex world. The conversation examines where insurance fits within a larger wealth preservation strategy, the importance of coordination among trusted advisors, and what family offices expect from insurance professionals serving high-net-worth clients. Ultimately, this is a conversation about moving beyond policies and becoming a true strategic advisor, helping families protect not only what they own, but what they value most. 🎧 Listen now to gain a family office perspective on risk, protection, and long-term wealth preservation. 

Kidnap & ransom risk is no longer just an international concern—and for high-net-worth clients, that shift matters more than ever. In this episode of Risk Ready, Bryant Kolle sits down with Josh Ackerman and Laura Garcell of Ackerman Group to unpack how K&R risk is evolving closer to home becoming more domestic, digital, and opportunistic. From real-world drivers of exposure to the biggest misconceptions families still hold, this conversation moves beyond theory into practical guidance. The discussion highlights where advisors play a critical role—not just in insurance placement, but in helping clients think proactively about visibility, access, and preparedness. This is ultimately a conversation about awareness, not fear and how advisors can better support clients before risk becomes reality. 🎧 Listen now and rethink how you approach K&R risk with your clients.