Accounts, entities, and structures accumulate over a career. Past a point, the overhead starts costing more than the structures save.
Complexity is usually added one reasonable decision at a time: an entity here, an account there, a trust for a specific purpose.
Years later the same household holds a dozen relationships that nobody reviews as a whole. Overlapping positions, idle cash, and unfunded documents are the common findings.
A consolidation review asks a simple question of every structure: what is this still doing, and what would break if it were gone?