SouthAussie
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It's a long and complex process for beneficiaries to access the assets of someone who has gone missing when there is no proof that they have died. Presumption of death isn't enough and usually you would need to wait at least 7 years before being able to apply, unless for example, the person died in a plane crash and you could prove they were on board, but their remains were unable to be identified. So I don't think that would be a motive.
And what if someone discovered that Russell had invested in Carol's new property? That a huge chunk of money was gone, due to that?
Or what if Russell's marriage was going to dissolve and the marital nest egg was going to be divided?
I know someone whose marriage of 43 years recently dissolved as the wife (70 years old) wanted a chance at happiness with someone else - someone they both know.
The marital finances are quickly changing. The marital home is likely going to be sold (neither can afford to buy the other one out). The adult children's inheritance is likely to be severely reduced, with someone else firmly in the picture.
There are all kinds of financial ramifications.