Lesson · Facts First
Asset Protection
You do not hide assets - you make them expensive, tedious, and unattractive to pursue.
The facts
- 01The base layer is always insurance: umbrella coverage sized to your net worth costs little relative to what a judgment takes.
- 02Entities segment risk: each rental in its own LLC, operating business separate from holding assets - one lawsuit should reach one box, not the warehouse.
- 03Homestead, retirement accounts (ERISA-qualified plans), and state-specific exemptions are statutory shields - know your state’s numbers.
- 04Fraudulent transfer law (UFTA/UVTA) unwinds moves made after trouble appears - protection is built in calm weather, not during the storm.
Sources
- Uniform Fraudulent Transfer / Voidable Transactions Acts
- ERISA anti-alienation rule (qualified plans)
- State homestead exemption statutes
Educational content only — not tax, legal, investment, or VA-benefits advice. Figures verified against the cited sources for 2026; confirm your own situation with a qualified professional before acting.
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