Chapter 5 - The Consulting Reserve Has No Consultants

The audit team isolated the reserve.
Payments totaled $3.18 million.
Invoices referenced strategy consulting, brand development, and
family-office services.
But several vendors had no employees.
Two shared the same mailing address.
One was registered to Victoria’s longtime friend, Marianne Cole.
Another belonged to Chloe’s husband, Eric Lane.
Nathan’s anger shifted.
“Eric?”
Chloe started crying.
“He didn’t know everything.”
That phrase worried Rebecca.
“What did he know?”
Chloe admitted Eric’s company had received $420,000.
She claimed it was repayment for money he once loaned Victoria.
There were no loan documents.
Nathan asked why business money would repay a personal family debt.
Chloe had no answer.
The audit found something else.
Some consulting invoices were dated before the vendor companies legally
existed.
Nathan understood immediately.
They were backfilled.
Victoria had not simply used discretionary funds.
Someone had created paperwork afterward to justify transfers.
The trust committee approved those payments.
Victoria.
Chloe.
James.
Nathan looked at his sister.
“You signed them.”
She whispered:
“Yes.”
“Did you read them?”
“No.”
That answer hurt more.
Chloe had mocked Emma for “not belonging.”
Yet Chloe herself had signed millions in family records without
understanding them.
May you like
Emma said nothing.
She did not need to.
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