There is no doubt that 2020 has been a challenging and transformative year. For some, every aspect of life has been upended by the pandemic; for others, the day-to-day has continued largely unchanged. No one, however, has remained completely unscathed.   The same is true in the business world. Many, unfortunately, have shuttered their doors or are on the verge of doing so, while other businesses are being created or pivoting in order to transcend the limitations placed on them. Like most crises, the pandemic has presented not only challenges but opportunities for exponential growth as we learn how to do things more efficiently, more conscientiously, and more profitably. For high net worth individuals and families, who have already pledged billions to pandemic relief efforts, it has provided an additional way to support the economy while growing their wealth.…