There is no denying that we are moving toward more personal accountability and empowerment with regard to wealth management. While one can point to these uncertain times as a reason for the shift, the truth is that the current situation is merely shining a light on a centuries-old problem, that being the relatively short life of even the largest family fortunes.  As the ancient Chinese saying goes, Fu bu guo san dai – literally, “Wealth does not pass three generations.”  The solution for this may very well lie in the utilization of digital tools that facilitate not only the management of wealth, but the education of our children about how to maintain it.    No matter who created your family’s wealth, it was likely done, not only through a lot of hard work but by taking complete responsibility for…