Asset Protection
Separate what you own from what you risk.
One lawsuit shouldn't be able to take everything you've built. We help you structure your business, property, and investments so a problem in one place stays in that place.
Asset Protection
Separate what you own from what you risk.
One lawsuit shouldn't be able to take everything you've built. We help you structure your business, property, and investments so a problem in one place stays in that place.
The problem
Everything in one basket, with your name on it.
Most business owners run their business, hold their rental properties, and keep their savings all in their own name. That means a single car accident, a tenant injury, or an unhappy client can reach every asset you own at once.
The wealthy don't avoid risk. They contain it, and they've been doing it for generations. The same tools are available to you.
Know where the threat comes from
Protection works in two directions.
Risk from inside your business
A client sues your company. A tenant slips on your rental property's stairs. The right entity keeps that claim limited to the business or property where it happened, instead of reaching your home and savings.
Risk from outside your business
You cause a car accident, or face a personal judgment. The right structure makes it far harder for a personal creditor to reach the assets held inside your LLCs.
Most people only think about the first. A real plan covers both.
How we protect what you've built
The tools the wealthy use to contain risk.
Separate Your Operating Business
Your business runs in its own entity, away from your personal assets. If the business is sued, the claim stops there.
Asset-Holding LLCs
Rentals and investments sit in their own LLCs, apart from the business that creates risk, so one problem can't reach your whole portfolio.
Retirement Accounts
Your Solo 401(k) and IRAs are among the most protected assets you can own. In most states, they're out of reach of most creditors.
Your Homestead
Many states protect your home equity, and Texas and Florida protect it almost entirely. We build your structure to work with your state's protections.
Insurance as the First Line
Entities are the wall. Insurance is the moat. We review your coverage and refer you to a trusted agent if there are gaps.
Entity Clean Up
Already have LLCs? An LLC only protects you if it's run as a real, separate business. We review what you have and fix the gaps.
Advanced Options
For higher-net-worth clients, our attorney partners can add Domestic Asset Protection Trusts and privacy structures.
A common misunderstanding
Your trust holds everything. The framework protects it.
Your Revocable Living Trust is the container at the top of your plan. It owns your LLCs, your home, and your bank and brokerage accounts so they pass to your family cleanly and without probate. Your retirement accounts pass by beneficiary designation, coordinated with the trust.
It works best alongside a pour-over will, which acts as a safety net. Anything you forgot to place in the trust, or acquired later, is directed into it. Your will is also where you name a guardian for your minor children, something a trust can't do.
But a revocable trust is not a shield. Because you control it, anything held directly inside it can still be reached. The protection comes from the structure underneath: separate entities, protected accounts, and the right insurance.
Control lives in the trust. Protection lives in the framework.
The one rule that matters
Protection has to be in place before you need it.
Once a claim is made or a lawsuit is threatened, moving assets can be undone by a court and can make things worse. Asset protection is a seatbelt. It only works if you put it on before the accident.
Built right. Kept right.
One flat monthly fee covers your strategy, setup, and upkeep, year after year.
FAQ
Questions, answered.
Only if it's set up and maintained correctly. Many LLCs fail in court because the owner mixed personal and business money or skipped basic records. Keeping yours clean is part of our ongoing service.
No. A revocable trust avoids probate and keeps your affairs private, but it doesn't block creditors. That's why it sits on top of a protective structure, not in place of one.
Yes. A pour-over will catches any assets that never made it into your trust and sends them there. It's also the only place to name a guardian for your minor children. The two work as a team.
Usually not. In many states, your home is best protected by state homestead laws and held in your trust. Putting it in an LLC can cost you homestead protection and property tax exemptions. We'll look at what makes sense where you live.
Asset protection has to be in place before a claim arises. If you're facing a lawsuit now, speak with an attorney right away. We can help you plan for the future once it's resolved.
No. Everything we structure is legal, disclosed, and reported on your tax returns. This is about organizing your assets the way the wealthy do, not hiding them.
Find out where you're exposed.
Take the 5-minute Wealth Scorecard to see where you're overpaying, where you're exposed, and what to do about it.
Free results call included. No obligation.
Dealing with the IRS? Our sister company, CITO Tax Resolution, can help.