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https://www.mckinsey.com/~/media/McKinsey/Industries/Financial%20Services/Our%20Insights/How%20insurance%20can%20prepare%20for%20the%20next%20distribution%20model/How-insurance-can-prepare-for-the-next-distribution-model-VF.pdf
https://www.nber.org/system/files/working_papers/w27488/w27488.pdf
https://www.icij.org/inside-icij/2024/04/how-investment-firms-shield-the-ultra-wealthy-from-the-irs/