Wealth Defense
A research-grade library for defending the wealth you've built
Wealth defense layers liability protection, asset titling, and liquidity to protect everything you've built. Explore the authority library, then visit the Wealth Preservation Lab.
Core frameworks
- Liability + titling + liquidity stack
- Umbrella scales with net worth
- Trust + entity hygiene at NW milestones
Best-practice strategies
- Review at $1M / $5M / $10M crossings
- Annual broker + attorney + CPA review
- Pair with Wealth Preservation Lab
Wealth defense library
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The Wealth Defense Framework
Wealth defense layers liability protection, asset titling, and liquidity to protect everything you've built.
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Umbrella Strategy by Net Worth
Umbrella coverage should scale with net worth, not stay frozen at $1M.
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High-Net-Worth Insurance Carriers
Above $2M net worth, standard carriers fall short on limits, claims service, and scheduled coverage.
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Rental Property Wealth Defense
Rentals double liability exposure. LLC titling + DP-3 + commercial umbrella are the core stack.
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Trust-Based Asset Defense
Trusts provide creditor protection, probate avoidance, and beneficiary control — but only if funded and maintained.
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Mapping Your Liability Exposure
Liability exposure is the product of all activities, assets, and relationships that could trigger a claim.
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Scheduled Personal Property Coverage
Jewelry, art, watches, and collectibles need scheduling — base home policies cap at $1k–$2k per item.
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Collector Auto Coverage Strategy
Standard auto policies undervalue and over-restrict collector vehicles.
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Excess Flood and Earthquake Coverage
Standard policies exclude both — and even endorsements often cap below rebuild cost.
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Long-Term Care for Asset Preservation
LTC events drain assets faster than any other late-life expense. Plan by age 55.
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Estate Tax Defense Strategy
Estates above the federal exclusion ($13.6M in 2024) face 40% tax — planning starts decades earlier.
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Business Owner Asset Defense
Business owners face combined personal + commercial exposure. Veil maintenance + insurance stack are mandatory.
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Professional & Director Liability
Professional licenses and board service create personal liability separate from employer coverage.
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Retirement Asset Protection
401k and IRA assets have different creditor-protection profiles. Plan accordingly.
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Titling Strategy as Divorce Shield
Pre-marital, inheritance, and gifted assets can be shielded — but titling rules vary by state.
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Domestic Asset Protection Trusts (DAPT)
19 states allow DAPTs — self-settled trusts that protect assets from future creditors.
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Foreign Asset Protection Trusts
Cook Islands and Nevis trusts offer strong shield but high complexity and IRS reporting.
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Homestead Exemption Strategy
Homestead exemptions protect primary residence equity from creditors — limits vary by state.
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Cash Flow Defense in Retirement
Decumulation phase introduces sequence risk, RMD timing, and healthcare bridges.
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Medicaid Planning for Asset Preservation
5-year look-back rules require planning years before LTC need arises.
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Crypto Asset Defense
Crypto creates novel custody, theft, and tax-reporting risks not covered by home/umbrella.
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Annual Beneficiary Audit
Beneficiary forms control who inherits — overriding wills and trusts.
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Working With a Private-Client Broker
Above $2M net worth, private-client brokers coordinate carriers, riders, and claims advocacy.
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The Wealth Defense Score
A 0–100 composite of titling, insurance, liquidity, and continuity — used to track defense over time.
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Annual Wealth Defense Review
An annual wealth-defense review keeps every pillar current with life and market changes.