Asset Protection

Protecting your assets from “all” creditors!

Most people do not have a proper Asset Protection Plan

As a general statement, most of the general public who earn a good living and/or have amassed wealth do not have a proper asset protection plan.

If you don’t have an asset protection plan, we recommend an asset check-up. A check-up is for those who are NOT 100% certain
that “all” valuable assets are protected from creditors. Click here for your “asset check-up.”

There are four prongs to an asset protection plan

Protection from:
1) Negligence
2) the IRS
3) the stock market
4) long-term care costs

Protection from negligence lawsuits?

Ask yourself the following questions:

  1. Do you have real estate owned in your own name?
  2. Do you own stocks or bonds in your own name?
  3. Do you have significant equity in your personal residence and do NOT live in a state like TX or FL which asset protects the home’s value?
  4. If you have a boat, wave runner, snowmobile, plane, etc., are they owned in your own name?

If you answered YES to any or most or all of the above questions, you are in serious need of an asset protection check-up.

Protection from the IRS?

Many people think of the IRS as their #1 creditor every year. And far too many people are paying more taxes than they need to pay. What kind of taxes?

-Income taxes
-Long-term capital gains taxes
-Short-term capital gains taxes

Good tax planning can involve multiple tools (some that reduce or even eliminate taxes, some that defer taxes, and some that once funded with after-tax dollars allow money to grow tax-free and come out tax-free).

If you are not already 100% certain that you are minimizing taxes now and in the future with your current plan, then you are in need of an asset protection check-up.

Protection from stock market losses?

Ask yourself the following questions:

  1. Are you invested in assets at risk to stock market losses?
  2. Did you lose 25%-50+% of your invested assets when the stock market crashed from 2000-2002, 2007-2009, or in the 2020 crash?
  3. Do you have money growing in wealth-building tools that will never go backward due to stock market losses?
  4. Do you have money growing at a 5-6% guaranteed rate of return* (non-walk away value) that will be used to generate a guaranteed income for life that can never be outlived?

If you answered yes to the first two questions and NO to the last two questions, you should contact our office for an asset protection check-up.

What about protection from long-term care (LTC) expenses?

Most people are unprepared and will pay for their LTC expenses out of their own pocket. This is not good planning!

There are a handful of not-well-known products that can provide an LTC benefit at a fraction of the cost of traditional LTC insurance. The key is working with an advisor who knows these tools and can recommend them to clients when appropriate.

Are you ready to get your comprehensive asset protection plan in place?

If you would like our firm to help you by designing a custom asset protection plan, help you grow your wealth in the least risky manner possible to meet your financial /retirement planning goals, and make sure your future LTC expenses are covered, please e-mail to schedule a call with Roccy DeFrancesco, JD, CAPP, CMP (Co-Founder of the Asset Protection Society).

*Any guarantees mentioned are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to caps, restrictions, fees, and surrender charges as described in the annuity contract


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