Strategy Pillar

Asset Protection: Shield What You've Built from Predators

Build the Moat Before the Army Arrives

The more wealth you accumulate, the bigger target you become. Lawsuits, creditors, divorce, bankruptcy—threats come from everywhere. Building wealth means nothing if you can't keep it.

Get Protection Assessment Check Your State's Laws

1 in 3

Americans Sued in Lifetime

$200-500

/year for $1M Umbrella

Unlimited

Protection in 6+ States

Before

Claims = Key Timing

The Threats to Your Wealth

What You're Up Against

Your wealth is under constant threat from forces beyond your control. Traditional investments offer no protection.

⚖️

Lawsuits

America has more lawyers per capita than any country on earth

💳

Creditors

Business downturns, medical emergencies, economic disruptions

💔

Divorce

40-50% of marriages end in divorce; assets get divided

📉

Bankruptcy

Economic volatility can strike anyone

🏥

Nursing Home Costs

Long-term care can consume a lifetime of savings

Wall Street doesn't protect your money—they just manage it.

The Protection Framework

Four Asset Protection Strategies

Strategy 1

Creditor-Protected Vehicles

Life insurance cash value is protected in most states—some with unlimited protection. Protection happens automatically, no trusts required.

✓Protection exists while you're alive
✓Accessible via policy loans while protected
✓Portable across state lines

Strategy 2

Entity Structuring

Using legal entities (LLCs, corporations, trusts) to separate personal assets from business liability.

✓Single-Member LLC for basic protection
✓Series LLC for property separation
✓Family Limited Partnerships for estate planning

Strategy 3

Liability Shields

Insurance and legal structures that create barriers between your wealth and potential claims.

✓Umbrella insurance ($1-5M coverage)
✓Professional liability (malpractice, E&O)
✓Strategic layering of protections

Strategy 4

State-Specific Protections

Asset protection laws vary dramatically by state. Strategic structuring maximizes available protections.

✓Homestead exemptions
✓Retirement account protection
✓Domestic asset protection trusts

Entity Structuring

The Layered Protection Approach

Separate personal assets from business liability using strategic entity layering.

Personal Assets

Protected from business claims

↓

Personal LLC

Holds investments

↓

Operating LLCs

Each property/business separate

Important: Entity structuring must be done BEFORE problems arise. Transferring assets after a claim can be reversed as "fraudulent conveyance."

State-Specific Protections

Best States for Asset Protection

Life insurance cash value protection varies by state. Some offer unlimited protection.

State	Cash Value Protection	Homestead	Notes
Texas	Unlimited	Unlimited	No state income tax
Florida	Unlimited	Unlimited	Tenancy by entirety
Nevada	Unlimited	$605K	Self-settled trusts
Arizona	Unlimited	$250K	Community property
Oklahoma	Unlimited	Unlimited	Strong debtor protection
Kansas	Unlimited	Unlimited	Broad exemptions

California →Texas →Florida →New York →

Protection by Profession

Tailored Asset Protection Strategies

Airline Pilots

Risks: Aviation incident liability, medical certification loss

Strategy: Umbrella policy ($2-5M), cash value life insurance for protected emergency fund

Physicians

Risks: Malpractice suits, hospital liability, personal injury claims

Strategy: Malpractice insurance, asset segregation, cash value as protected wealth tier

Business Owners

Risks: Business liability, employee claims, personal guarantees

Strategy: Operating LLC, separate real estate holdings, protected wealth tier outside business

Real Estate Investors

Risks: Tenant lawsuits, property liability, contractor claims

Strategy: Each property in separate LLC, umbrella insurance, protected cash reserves

Near-Retirees

Risks: Nursing home costs, medical expenses, legacy preservation

Strategy: Medicaid planning, asset protection trusts, life insurance as protected legacy

"The time to build the moat is when there's no army approaching."

What Asset Protection CAN Do

✓Create legitimate barriers to creditor claims
✓Force settlements at lower amounts
✓Protect specific asset classes from claims
✓Preserve wealth for intended beneficiaries
✓Discourage frivolous lawsuits

What Asset Protection CANNOT Do

✗Protect assets from IRS tax claims
✗Hide assets from legitimate discovery
✗Reverse fraudulent conveyance rules
✗Guarantee complete immunity from all claims
✗Work retroactively after claims arise

Questions

Common Questions About Asset Protection

Asset protection uses structures that have been available to wealthy families for centuries. Now they're available to you.

Ask Your Question

Asset protection becomes important once you have anything worth protecting—and something worth taking. If you own a home, have retirement savings, or run a business, you need protection.

100% legal when done properly and proactively. Asset protection uses the same structures available to corporations and wealthy families for centuries. The key is timing—protection must be established before any claim arises.

Properly maintained entities with separate finances, adequate capitalization, and legitimate business purposes are rarely pierced. The key is following formalities.

Offshore structures add complexity and cost. Domestic asset protection (Nevada/Delaware trusts, state-law protected vehicles) often provides sufficient protection without international complications.

Enough to discourage lawsuits and force reasonable settlements. Most plaintiffs' attorneys work on contingency—if they can't reach your assets, they often won't pursue the case.

Ready to Protect What You've Built?

Schedule a complimentary asset protection assessment to identify gaps in your current structure. The best time to protect your assets is before you need to.

Schedule Assessment Check Your State's Laws