Understanding Asset Protection in New York
Navigating the complexities of wealth preservation requires a strategic and informed approach. For individuals and families in New York, understanding asset protection is paramount. It’s not about hiding assets; it’s about legally shielding them from potential future creditors, lawsuits, and unforeseen financial challenges. This proactive legal discipline safeguards your hard-earned wealth, ensuring it remains available for your intended beneficiaries and your own future needs.
At Morgan Legal Group, we specialize in helping clients secure their financial legacies. Our extensive experience in estate planning and related legal areas positions us to offer comprehensive asset protection strategies tailored to your unique circumstances. We understand that each client’s situation is distinct, and thus, their asset protection plan must be equally individualized. Our goal is to provide peace of mind by building robust defenses for your assets.
This guide will delve deep into the various facets of asset protection in New York. We will explore the legal landscape, common threats, and the effective tools available to you. Whether you are concerned about potential business liabilities, future long-term care costs, or simply wish to ensure your wealth is protected for your heirs, understanding these strategies is the first crucial step. We will cover everything from basic planning to more advanced techniques. Our aim is to empower you with knowledge so you can make informed decisions about your financial future.
Why Asset Protection is Crucial in New York
Life in New York is vibrant and dynamic, but it also comes with inherent risks. Consider a business owner facing potential litigation, or an individual anticipating significant medical expenses. Without proper safeguards, personal assets could be vulnerable to seizure by creditors or litigants. Consequently, proactive planning is not just prudent; it is essential for financial security.
New York’s legal framework, like that of other states, allows for various avenues through which creditors can pursue debtors. These can include lawsuits, judgments, and liens. Without a comprehensive asset protection strategy, your home, savings, investments, and other valuable possessions could be at risk. This is particularly concerning for professionals whose careers carry a higher risk of litigation, such as doctors, lawyers, or executives. Moreover, as individuals age, the prospect of long-term care expenses can become a significant financial burden, potentially depleting entire estates.
Furthermore, family law matters, such as divorce or child support disputes, can also lead to financial judgments that could impact your assets. Having a well-structured asset protection plan in place can help mitigate the extent to which your assets are exposed in such situations. It provides a layer of defense that ensures your ability to provide for yourself and your loved ones is not compromised by unexpected legal or financial calamities. Our firm emphasizes that asset protection is an integral part of any sound estate planning regimen.
The importance of asset protection extends beyond just shielding against lawsuits. It plays a vital role in ensuring that your hard-earned assets are preserved for your intended beneficiaries. Without proper planning, a significant portion of your estate could be consumed by legal fees or creditor claims, diminishing the inheritance you wish to pass down. This can be particularly distressing for those with specific philanthropic goals or a desire to support future generations financially.
Key Threats to Your Assets in New York
Understanding the specific threats is the first step toward effective protection. In New York, several common scenarios can put your assets at risk. One primary concern is the risk of litigation. This can arise from various sources, including business disputes, personal injury claims (e.g., car accidents), or even disgruntled former employees. A successful lawsuit can result in a judgment against you, allowing creditors to attach your assets.
Another significant threat, especially for older adults, is the cost of long-term care. Nursing home care in New York can be exceptionally expensive, often exceeding tens of thousands of dollars per month. Without adequate planning, these costs can quickly deplete savings and force the sale of assets like a family home. This is where elder law expertise becomes invaluable, providing strategies to preserve wealth while accessing necessary care.
Divorce and other family law matters can also pose a substantial risk. During divorce proceedings, marital assets are subject to division, and significant financial settlements or alimony awards can be ordered. Similarly, child support obligations can impact your financial resources. While asset protection is not intended to facilitate fraud or avoid legitimate obligations, it can help ensure that assets are structured in a way that provides stability during such potentially contentious periods. Our family law attorneys can advise on these complex matters.
Furthermore, unexpected medical emergencies can lead to overwhelming healthcare bills, even with insurance. Without proper planning, these costs can become a substantial financial drain. The possibility of business insolvency, if you are a business owner, also presents a risk to your personal assets if they are not adequately separated from business liabilities. We often see situations where personal and business finances become too intertwined, leaving individuals vulnerable. This underscores the need for careful financial separation and robust legal structures.
Finally, consider the risk of untimely death or incapacitation. Without proper planning, your assets might pass through a lengthy and costly probate process, during which they can be vulnerable to claims. Moreover, if you become incapacitated, your assets could be managed by a court-appointed guardian, which may not align with your wishes. Establishing a comprehensive estate plan, including essential documents like a power of attorney, is crucial to mitigate these risks.
Strategies for Asset Protection in New York
Fortunately, New York law offers several effective strategies to protect your assets. These tools, when used correctly and ethically, can create significant barriers against potential claims, preserving your wealth for your intended purposes. It is imperative to work with an experienced asset protection attorney to ensure these strategies are implemented in compliance with all applicable laws and to avoid any appearance of fraudulent conveyance, which can invalidate your protections.
One of the most fundamental tools is the proper use of wills and trusts. Certain types of trusts, such as irrevocable trusts, can hold assets outside of your direct control, thereby shielding them from your personal creditors. These trusts require careful drafting and administration. For example, a properly structured irrevocable trust can protect assets from future beneficiaries’ creditors as well, a concept known as spendthrift protection.
Another crucial element is leveraging asset protection trusts. These can be domestic or offshore, each with its own set of rules and benefits. Domestic Asset Protection Trusts (DAPTs) are a relatively newer concept in some states, though New York law does not explicitly recognize them in the same way as some other jurisdictions. However, strategically using trusts established in states that do recognize DAPTs, or employing other trust structures, can still offer significant protection. Understanding the nuances of New York’s approach to trusts is vital.
Insurance is a foundational layer of asset protection. Adequate liability insurance, including umbrella policies, professional liability insurance, and homeowners’ insurance, can cover many potential claims. While insurance doesn’t protect against all threats, it provides a crucial first line of defense, often absorbing claims before they can reach your personal assets. For business owners, separating personal and business assets through proper corporate structures like LLCs or corporations is also a key strategy.
Furthermore, strategic titling of assets can play a role. For instance, owning assets as tenants by the entirety (for married couples) offers some creditor protection in New York. However, this protection has limitations. More advanced strategies involve placing assets into entities or trusts that are legally separate from you. Our firm meticulously reviews each client’s assets and liabilities to recommend the most appropriate and legally sound protection mechanisms.
Consider a scenario where a successful professional in Westchester is concerned about potential malpractice claims. By working with an experienced estate planning attorney, they might establish an irrevocable trust to hold a portion of their investment portfolio. This trust would be managed by a trustee, and the assets within it would be shielded from future personal creditors. This proactive step ensures that even in the worst-case litigation scenario, a significant portion of their wealth remains secure.
The Role of Trusts in Asset Protection
Trusts are one of the most powerful and versatile tools in an asset protection attorney’s arsenal. They allow for the transfer of assets to a separate legal entity, managed by a trustee, for the benefit of designated beneficiaries. The key to asset protection through trusts lies in their structure, particularly the concept of irrevocability and the careful selection of beneficiaries and trustees.
Irrevocable trusts are designed to be permanent. Once assets are transferred into an irrevocable trust, they are generally beyond the reach of the grantor’s personal creditors. This is because the grantor relinquishes control and ownership of the assets. The trust itself becomes the legal owner. New York law, while complex, respects the integrity of properly established and administered irrevocable trusts for asset protection purposes.
Different types of trusts serve distinct asset protection goals. For instance, an Irrevocable Life Insurance Trust (ILIT) can hold life insurance policies, removing the death benefit from your taxable estate and protecting it from creditors. Grantor Retained Annuity Trusts (GRATs) and Qualified Personal Residence Trusts (QPRTs) are estate planning tools that can also offer asset protection benefits while transferring wealth to heirs at a reduced tax cost. Our wills and trusts practice group has extensive experience in drafting and implementing these sophisticated structures.
For clients concerned about potential long-term care costs, specialized trusts can be employed. These might include certain types of Medicaid-compliant trusts or spousal protection trusts designed to preserve assets for a healthy spouse while allowing the ill spouse to qualify for Medicaid benefits. Navigating these regulations requires deep knowledge of both asset protection and elder law.
It’s important to distinguish between revocable and irrevocable trusts. A revocable trust, often used for probate avoidance, generally does not offer asset protection because the grantor retains control and can revoke it. For asset protection, irrevocability is key. Furthermore, the choice of trustee is critical. In many cases, appointing an independent trustee, rather than oneself or a close family member, can strengthen the asset protection provided by the trust. This separation of control is fundamental to the legal efficacy of asset protection trusts.
Consider a family in Westchester with significant investments. They wish to ensure these investments are protected from potential business liabilities and future creditors. By working with Morgan Legal Group, they can establish an irrevocable trust. The trust agreement would specify that the trust assets are to be managed by a professional trustee, and distributions would be made to the children at predetermined ages or upon specific life events. This structure shields the investments from the parents’ personal creditors while ensuring the wealth is preserved for the next generation according to their wishes.
Business Asset Protection Strategies
Business owners in New York face a unique set of asset protection challenges. The lines between personal and business assets can easily blur, exposing personal wealth to business-related liabilities. Proactive planning is essential to create a robust shield for your personal financial security.
One of the most fundamental strategies is proper business formation. Operating as a sole proprietorship or general partnership offers little to no protection. Instead, forming a Limited Liability Company (LLC) or a corporation (S-corp or C-corp) creates a legal separation between the business and its owners. This means that generally, business debts and lawsuits are the responsibility of the entity, not the personal assets of the owners. However, maintaining this separation requires strict adherence to corporate formalities, such as holding regular meetings, keeping separate bank accounts, and avoiding commingling of funds.
Beyond basic formation, consider the use of holding companies. A holding company can own operating businesses, and the personal assets of the owner can be held by a separate entity or trust, which in turn owns the holding company. This creates multiple layers of separation, making it significantly more difficult for creditors to reach ultimate personal assets.
For businesses operating in high-risk industries, additional layers of protection might be necessary. This could involve using specific types of irrevocable trusts to hold ownership interests in certain business assets or intellectual property. The goal is to make these assets legally inaccessible to personal creditors or litigants who might target the business owner.
Furthermore, consider the implications of personal guarantees. Business owners often have to provide personal guarantees for loans or leases. While this can be unavoidable in some cases, understanding the extent of these guarantees and exploring alternative financing structures can be part of a comprehensive asset protection plan. Our estate planning attorneys often collaborate with business owners to integrate personal and business asset protection strategies.
Think of a software developer in Long Island who has a successful startup. They are concerned about potential intellectual property lawsuits and market competition. By forming an LLC and then establishing an irrevocable trust that holds the membership interests of the LLC, they create a strong barrier. The trust itself owns the business, and the developer’s personal assets are not directly linked to the business’s liabilities. This provides significant protection for their personal wealth.
It is also crucial to address potential elder abuse and fraud within business dealings, especially if you are involved in partnerships or have employees with access to finances. Implementing strong internal controls and clear contractual agreements can prevent many issues before they arise. The importance of transparency and ethical conduct in business cannot be overstated, as fraudulent actions can negate any asset protection measures.
Protecting Assets for Long-Term Care
The rising costs of healthcare and long-term care present a significant challenge to financial security, particularly for seniors. Without proper planning, a substantial portion of an individual’s or couple’s estate can be consumed by nursing home expenses or in-home care needs, leaving little for heirs.
One primary tool in this area is Medicaid planning. Medicaid is a government program that can help cover the costs of long-term care, but it has strict eligibility requirements based on income and asset limits. For those who do not meet these requirements, various strategies can be employed to legally reduce countable assets to qualify for benefits without completely depleting the estate. This often involves utilizing irrevocable trusts or making strategic gifts over time.
A common concern is protecting the family home. New York law provides certain protections for a primary residence, but these can be complex, especially when seeking Medicaid benefits. Specific strategies, such as transferring the home to a properly structured irrevocable trust or to a spouse who does not require long-term care, can be effective. This is where understanding the nuances of Medicaid look-back periods and transfer penalties is critical.
Another strategy involves the use of annuities. Certain types of annuities can convert countable assets into a stream of income, which may be considered exempt for Medicaid eligibility purposes. However, these must be structured correctly to comply with Medicaid rules and must prioritize the needs of the healthy spouse.
The role of elder law attorneys is paramount here. We help clients navigate the intricate web of Medicaid regulations, understand their rights, and implement strategies that preserve as much of their assets as possible while ensuring access to necessary care. This often involves coordinating with healthcare providers and financial institutions.
For example, a married couple in Queens might find that one spouse requires extensive nursing home care. The healthy spouse wishes to retain assets for their own future security and to pass on to their children. Through careful Medicaid planning, involving the use of an irrevocable spousal protection trust or strategic asset allocation, a significant portion of their combined assets can be protected, allowing the ill spouse to receive the care they need and the healthy spouse to maintain financial stability.
It is important to note that these strategies must be implemented well in advance of needing long-term care. Medicaid has look-back periods that can penalize transfers made within a certain timeframe before applying for benefits. Therefore, proactive planning is essential. Seeking guidance from an experienced elder law attorney ensures these steps are taken legally and effectively, providing peace of mind for the future.
Guardianship and Incapacity Planning
Beyond protecting assets from creditors, it’s equally important to plan for your own potential incapacity. Unexpected illness, accident, or cognitive decline can render you unable to manage your financial affairs or make personal decisions. Without proper planning, your family may need to petition the court for a guardianship, a process that can be costly, time-consuming, and intrusive.
A Durable Power of Attorney is a cornerstone document for incapacity planning. This legal document allows you to designate a trusted individual (your agent) to make financial decisions on your behalf. Crucially, it must be “durable,” meaning it remains in effect even if you become incapacitated. This avoids the need for court intervention and ensures your affairs are managed according to your wishes. We emphasize the importance of selecting a reliable and trustworthy agent who understands your financial goals.
Similarly, a Health Care Proxy (also known as a Durable Power of Attorney for Health Care) designates an agent to make medical decisions for you if you are unable to do so yourself. This document ensures your medical treatment preferences are respected and can alleviate the burden on your family during difficult times. Coupled with a Living Will, which outlines your wishes regarding end-of-life care, these documents form a comprehensive plan for healthcare decisions.
While these documents are crucial, they primarily address management and decision-making. For broader asset protection and estate distribution, a comprehensive estate plan, including wills and trusts, is essential. Trusts can provide for the management and distribution of assets in the event of incapacity or death, often bypassing the need for probate and providing greater control over how your wealth is used.
Consider a scenario where an individual in Bronx suffers a sudden stroke and is unable to communicate or manage their finances. If they have a valid Durable Power of Attorney naming their spouse as agent, the spouse can immediately step in to pay bills, manage investments, and ensure ongoing care is funded without the need for a lengthy and stressful court proceeding for guardianship. This proactive step saves time, money, and emotional distress for the entire family.
Our firm works closely with clients to draft these critical documents, ensuring they are legally sound and tailored to each individual’s unique circumstances and family dynamics. We understand that discussing incapacity can be sensitive, but it is an indispensable part of protecting yourself and your loved ones. Exploring options for guardianship alternatives is a key part of our advisory role.
The Role of an Asset Protection Lawyer in New York
Engaging an experienced asset protection lawyer in New York is not merely an option; it is a necessity for anyone serious about safeguarding their wealth. The laws governing asset protection are complex, constantly evolving, and carry significant penalties for non-compliance or fraudulent activity. An attorney acts as your guide, strategist, and advocate.
At Morgan Legal Group, we bring over three decades of experience to the table. Our expertise spans estate planning, trusts, probate, and elder law, providing a holistic approach to asset protection. We understand the intricate interplay between different legal areas and how they affect your financial well-being.
Our process begins with a thorough assessment of your current financial situation, potential risks, and long-term goals. We analyze your assets, liabilities, income sources, and family structure to identify vulnerabilities. Based on this comprehensive understanding, we develop a customized asset protection strategy. This might involve drafting sophisticated wills and trusts, establishing business entities, recommending insurance solutions, or implementing specific gifting strategies.
We ensure that all our strategies are fully compliant with New York State law and federal regulations. This includes understanding the nuances of fraudulent conveyance laws, which prohibit transferring assets with the intent to defraud creditors. Our goal is to implement legitimate protections that withstand legal scrutiny. We also stay abreast of changes in tax laws and estate planning regulations, ensuring your plan remains effective over time.
Moreover, an experienced attorney can help you navigate potential challenges, such as defending against creditor claims or representing you in guardianship proceedings. The peace of mind that comes from knowing your assets are legally shielded and your future is secure is invaluable. Our commitment is to provide clear, authoritative, and empathetic legal counsel. Consider the benefit of consulting with someone like Russell Morgan, Esq., whose decades of practice offer unparalleled insight.
For instance, a client comes to us concerned about a potential lawsuit from a business dispute. They own a valuable real estate portfolio. We would analyze the nature of the dispute, the applicable laws, and the client’s overall financial picture. Then, we would structure a strategy, perhaps involving transferring certain properties into an irrevocable asset protection trust or establishing new entities to hold these assets. This proactive measure aims to insulate these valuable properties from any judgment that might arise from the dispute, ensuring the client’s long-term financial stability. This is why selecting the right legal partner is so critical.
Choosing the Right Asset Protection Tools
Selecting the most appropriate asset protection tools requires a deep understanding of your specific circumstances, risk tolerance, and long-term objectives. There is no one-size-fits-all solution. What works for a young entrepreneur may not be suitable for a retiree planning for healthcare needs.
Trusts: As discussed, various types of trusts offer significant protection. Irrevocable domestic and offshore trusts can shield assets from creditors. Specific trusts, like Irrevocable Life Insurance Trusts (ILITs) or Grantor Retained Annuity Trusts (GRATs), serve dual purposes of asset protection and estate tax planning. The choice depends on the nature of the assets, the desired level of control, and the intended beneficiaries. Our wills and trusts practice is adept at structuring these instruments.
Limited Liability Companies (LLCs) and Corporations: For business owners, these entities are fundamental. They create a legal shield between personal assets and business liabilities. However, maintaining this shield requires strict adherence to corporate formalities and proper capitalization. Integrating these entities into a broader asset protection plan is crucial.
Insurance: Robust insurance coverage is non-negotiable. This includes adequate liability insurance, professional malpractice insurance (if applicable), umbrella policies for an extra layer of protection, and homeowners’ and auto insurance. Insurance is often the first line of defense, covering many common risks before they impact personal assets.
Retirement Accounts: In New York, certain retirement accounts, such as 401(k)s and IRAs, receive significant protection from creditors under state and federal law. Understanding the limits and specific protections afforded to these accounts is part of comprehensive asset protection. However, relying solely on these is insufficient for broad asset shielding.
Homestead Exemptions: New York offers a homestead exemption, protecting a portion of the equity in your primary residence from creditors. The amount of protection varies depending on the county. While this provides some protection, it is limited and may not cover the full value of a valuable property, especially in high-cost areas.
Gifting Strategies: Strategically gifting assets to family members or into irrevocable trusts over time can reduce the size of your taxable estate and remove assets from your personal reach. However, these gifts must be made without the intent to defraud creditors and must adhere to applicable tax laws and look-back periods, particularly for elder law purposes.
Consider a couple in Long Island who own a successful dental practice and have substantial investment assets. They are concerned about malpractice claims against the practice and future personal liabilities. We might recommend forming an LLC for the practice, transferring investment assets into an irrevocable asset protection trust managed by an independent trustee, and ensuring they have comprehensive umbrella insurance policies. This multi-layered approach provides robust protection. Contacting us for a schedule consultation allows us to discuss these options in detail.
The Legal Process of Asset Protection in New York
Implementing asset protection in New York involves a structured legal process designed to ensure compliance and effectiveness. It begins with thorough due diligence and culminates in the establishment and ongoing management of protective structures.
Initial Consultation and Assessment: The process starts with an in-depth meeting with an experienced asset protection attorney. We will discuss your financial situation, potential threats, family circumstances, and objectives. This is a critical phase where we gather all necessary information to understand your unique needs. Our team asks probing questions to uncover potential risks you may not have considered.
Risk Analysis: Based on the initial assessment, we conduct a detailed risk analysis. This involves identifying potential creditors, litigation risks, long-term care costs, and other financial exposures. We evaluate the strength of existing protections and identify areas of vulnerability. This methodical approach ensures we focus on the most critical threats.
Strategy Development: With a clear understanding of the risks, we develop a tailored asset protection strategy. This plan outlines the specific legal tools and techniques that will be employed. It may involve recommending the formation of LLCs or corporations, drafting complex trusts, updating wills, or adjusting property titling. We explain each component of the strategy and its intended effect.
Implementation: Once the strategy is agreed upon, we proceed with implementation. This involves preparing and filing legal documents, such as trust agreements, operating agreements for LLCs, and corporate bylaws. We ensure all documentation is executed correctly and in accordance with New York law. Proper execution is vital for the validity of any asset protection measure.
Ongoing Management and Review: Asset protection is not a one-time event. Laws change, financial circumstances evolve, and new risks can emerge. Therefore, regular review and potential adjustments to your asset protection plan are essential. We recommend periodic check-ins to ensure your protections remain effective and compliant. This proactive approach is key to long-term security.
For instance, a business owner in Queens who recently sold a successful company might need to restructure their finances to protect the proceeds from potential future liabilities or investment losses. We would work with them to establish appropriate trusts and investment vehicles, ensuring these assets are shielded from unforeseen claims. The process requires careful attention to detail at every stage, from initial planning to ongoing maintenance.
Navigating the legal intricacies of asset protection requires professional expertise. Our firm, Morgan Legal Group, is dedicated to providing comprehensive legal guidance and implementing effective strategies to secure your financial future. We invite you to contact us to discuss how we can help you protect your hard-earned assets.
Common Pitfalls to Avoid
While asset protection offers significant benefits, several common pitfalls can undermine its effectiveness. Understanding these potential issues is crucial for successful planning.
Attempting to Defraud Creditors: The most significant pitfall is engaging in fraudulent conveyance. Transferring assets with the intent to hide them from known or anticipated creditors is illegal and can result in the nullification of your asset protection measures. All strategies must be implemented ethically and in compliance with New York’s laws against fraudulent transfers. Our firm strictly adheres to these principles.
Failing to Maintain Separation: For entities like LLCs or corporations, failing to maintain a clear separation between personal and business assets can pierce the corporate veil, exposing personal assets to business liabilities. This includes commingling funds, failing to hold regular meetings, or not adhering to operational formalities. Proper record-keeping and adherence to corporate governance are paramount.
Inadequate Insurance Coverage: Relying solely on legal structures without sufficient insurance is a mistake. Insurance provides a vital first line of defense. Underinsuring yourself or your business leaves you vulnerable to claims that may exceed the capacity of your legal protections. A comprehensive insurance review is a key part of our strategy.
Procrastination: Delaying asset protection planning is a common and costly error. The effectiveness of many asset protection tools, particularly those related to elder law and Medicaid, diminishes with time due to look-back periods and other regulatory requirements. Starting early provides more options and greater flexibility.
DIY Planning: Attempting to implement complex asset protection strategies without professional legal guidance can lead to errors that render the plan ineffective or even legally problematic. The nuances of New York law require expert knowledge. Using outdated forms or generic advice can have disastrous consequences.
Not Updating the Plan: Life circumstances change, and so do laws. An asset protection plan that is not regularly reviewed and updated can become obsolete, leaving assets exposed. Marriage, divorce, birth of children, changes in business status, or new legislation all necessitate a review of your existing protections.
Consider a client who transferred a valuable property to their children years ago, intending it as part of their estate. However, they later faced a significant personal injury lawsuit. Without proper legal counsel at the time of the transfer, the court might deem it a fraudulent conveyance if the intent was to shield the asset from potential future claims, even if those claims were not yet known. This highlights the importance of careful planning from the outset. Our estate planning services are designed to preempt such issues.
The Morgan Legal Group Advantage
At Morgan Legal Group, we offer more than just legal services; we provide peace of mind. With over 30 years of dedicated experience in estate planning, trusts, probate, and elder law, our team possesses the deep knowledge and practical insight necessary to navigate the complexities of asset protection in New York. We understand that safeguarding your wealth is about more than just numbers; it’s about securing your future, protecting your family, and preserving your legacy.
Our approach is client-centered. We take the time to understand your unique financial situation, your goals, and your concerns. This allows us to craft personalized strategies that are not only legally sound but also practical and aligned with your life objectives. We believe in empowering our clients with clear, understandable information, enabling them to make informed decisions about their financial future. Our commitment is to build lasting relationships based on trust and exceptional service.
Choosing Morgan Legal Group means partnering with a firm that prioritizes integrity, expertise, and results. Whether you are a business owner looking to shield your company’s assets, a professional concerned about potential litigation, or a family seeking to protect wealth for future generations, we have the skills and experience to guide you. We are dedicated to providing the highest level of legal counsel, ensuring your assets are protected effectively and ethically.
We invite you to experience the difference that dedicated expertise makes. Take the proactive step towards securing your financial future. Please contact us today to schedule a consultation with our seasoned legal team. Let us help you build a robust asset protection plan that provides enduring security and peace of mind. You can also find us on Google My Business to learn more about our services and client testimonials.