Over the three-year period in which I have written this column, I have focused each article on a single area of financial risk for high-net-wealth families and individuals. I've decided to break the mold this time, instead, focusing on several risks of concern to the affluent.

To help in this undertaking, I reached out to four insurance professionals whose agencies specialize in serving a wealthy clientele and asked each one to relate a particularly worrisome risk cited recently by several of their clients. 

Interestingly, each agent noted a different risk facing their high-net-worth clients.

Sleep disruption No. 1: Cyber crime

Eric Gordon, president of Denver Agency, located in that city's upscale Cherry Creek neighborhood, told me that his wealthy clients have contacted him for advice on managing cyber liabilities, not particularly surprising in today's hacking environment.

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