Most generational failures are explained the same way: unprepared heirs weak governance family conflict These explanations assume the problem is behavioral. But there are cases where continuity fails even under competent, well-supported stewardship. In those cases, the problem is not the people. It is the structure of the asset itself. This is the premise behind the Generational Transfer Risk Index (GTRI). A Different Starting Point GTRI begins with a constraint: Assume the n