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Wealth Protection : Build and Preserve Your Financial Fortress

توضیحات

As an asset protection lawyer, I think Mandell and Jarvis brilliantly explain the most effective wealth protection strategies. A must-read for advisors and clients alike.
–Arnold S. Goldstein, PhD, LLM, JD
author, Asset Protection Secrets

"I really appreciate the ‘Risk Factor Analysis.' It is a unique tool for diagnosing–and then solving–some of the toughest problems in maintaining and protecting your wealth."
–Gordon Klein, JD, CPA, lecturer, UCLA's Anderson Graduate
School of Management, frequent CNBC Commentator

"Chris and David's concept of a ‘Personal Economy' should be heeded by every individual investor. If you want to grow and shield what's yours, this book is a great start."
–Jonathan Guryan, PhD, Asst. Professor of Economics
University of Chicago Graduate School of Business

The interest in protecting one's wealth is universal. Wealth Protection: Build and Preserve Your Financial Fortress serves as the ultimate handbook for readers who want to build their family's financial fortress and shield it from potential risks.


CHRISTOPHER R. JARVIS, MBA, is a financial planner with experience as an actuary, insurance expert, investment advisor representative, and entrepreneur. He has been quoted in numerous publications, including The Wall Street Journal. He is cofounder, with David Mandell, of Jarvis & Mandell, LLC based in Los Angeles and New York, with affiliate offices around the country (www.jarvisandmandell.com).

DAVID B. MANDELL, JD, MBA, is an attorney and financial advisor to high net worth clientele. David is the author of three prior books and hundreds of articles on his areas of expertise. He is the shareholder of David B. Mandell & Associates, P.C. (www.mandellpc.com).
INTRODUCTION.

WHY WE WROTE THIS BOOK.

PART I: The System/the Book.

CHAPTER ONE: WHY THIS BOOK SHOULD COST $5,000.

THIS BOOK WILL TRANSPORT YOU TO OUR OFFICES.

YOU NEED WEALTH PROTECTION PLANNING.

YOUR ADVISORS HAVE NOT DONE ENOUGH.

CHAPTER TWO: WHAT IS WEALTH PROTECTION?

CONCEPT #1: MULTIDISCIPLINARY.

CONCEPT #2: PROCESS.

CONCEPT #3: SHIELDING.

CONCEPT #4: YOUR WEALTH.

CONCEPT #5: ALL INTERNAL AND EXTERNAL THREATS.

CHAPTER THREE: FINDING YOUR PERSONAL ECONOMY.

IT'S YOUR ECONOMY THAT COUNTS.

WHICH EVENTS ARE REALLY MORE IMPORTANT TO YOUR PERSONAL FINANCIAL SITUATION?

THE CONCEPT OF THE PERSONAL ECONOMY.

PART II: Customizing This Book for You.

CHAPTER FOUR: INTRODUCING THE RISK FACTOR ANALYSIS.

CHAPTER FIVE: THE QUESTIONS.

SECTION A-TAX PLANNING.

SECTION B-INVESTING.

SECTION C-ASSET PROTECTION.

SECTION D-INSURANCE.

SECTION E-RETIREMENT.

SECTION F-ESTATE PLANNING.

SECTION G-BUSINESS PLANNING.

CHAPTER SIX: THE INTERPRETATION OF YOUR ANSWERS.

SECTION A-TAX PLANNING.

SECTION B-INVESTING.

SECTION C-ASSET PROTECTION.

SECTION D-INSURANCE.

SECTION E-RETIREMENT.

SECTION F-ESTATE PLANNING.

SECTION G-BUSINESS PLANNING.

PART III: Tax Planning.

CHAPTER SEVEN: MAKE SURE YOU DON'T GIVE AWAY MORE THAN NECESSARY.

CHAPTER EIGHT: UNCLE SAM'S PIECES OF YOUR PIE.

CHAPTER NINE: RETIREMENT PLANS.

CHAPTER TEN: GETTING DEDUCTIONS FOR BUYING INSURANCE- WELFARE BENEFIT PLANS (419S).

BACKGROUND INFORMATION.

PLAN BENEFITS.

CHAPTER ELEVEN: HOW TO BORROW YOUR CHILDREN'S LOWER TAX RATES WITH FLPS/LLCS.

TWO CENTERPIECES OF WEALTH PROTECTION PLANNING.

KEY CHARACTERISTICS OF FLPS AND LLCS FOR INCOME TAX PLANNING.

HOW FLPS AND LLCS CAN HELP YOU REDUCE INCOME TAXES.

LAST WORD.

CHAPTER TWELVE: DEDUCTING LONG-TERM-CARE INSURANCE.

THE IRS GIVES YOU A BREAK.

WOULD YOU PURCHASE LONG-TERM-CARE INSURANCE IF IT WERE FREE?

CHAPTER THIRTEEN: USING CHARITABLE GIVING TO REDUCE INCOME TAXES.

CHARITABLE INTENT.

TAX BACKGROUND.

COMMON CHARITABLE GIVING SCENARIOS.

THE MOST COMMON CHARITABLE TOOL: THE CHARITABLE REMAINDER TRUST.

THE CRT'S "COUSIN": THE CHARITABLE LEAD TRUST (CLT).

LAST WORD.

CHAPTER FOURTEEN: THE TAX-ADVANTAGED TOOL FOR COLLEGE SAVINGS-529 PLANS.

CONTRIBUTIONS OVER $22,000 PER YEAR ARE ALLOWED- GIFT-TAX FREE.

YOU, THE DONOR, CONTROL THE WITHDRAWALS.

YOU RECEIVE THE TAX BENEFITS.

YOU DIRECT THE TYPE OF INVESTMENTS.

YOU MAY CHANGE THE BENEFICIARIES.

THE MONEY GROWS TAX FREE.

THOSE OF YOU WITH UGMA ACCOUNTS.

SHORTFALL OF THE 529 PLAN.

LAST WORD.

CHAPTER FIFTEEN: INCOME IN RESPECT OF A DECEDENT.

CHAPTER SIXTEEN: IS YOUR TAX ADVISOR HELPING YOU OR HURTING YOU?

INCOMPETENCE: ADVISORS NOT ADMITTING WHEN AN AREA IS BEYOND THEIR EXPERTISE .

OVERCONSERVATIVENESS: IF EVERYONE ISN'T DOING IT, THEN IT ISN'T WISE PLANNING.

SOLVING THE PROBLEM: TAKE AN ACTIVE ROLE AND GET A SECOND OPINION.

LAST WORD.

PART IV: Investing.

CHAPTER SEVENTEEN: YOUR MONEY DOESN'T COME WITH INSTRUCTIONS.

CHAPTER EIGHTEEN: UNDERSTANDING INVESTING.

TYPES OF RISK.

RISK VERSUS REWARD.

DIVERSIFICATION.

HOW DO THE CAPM AND MPT WORK FOR YOU?

LAST WORD.

CHAPTER NINETEEN: TAXES, INFLATION, AND YOUR INVESTMENTS.

HOW MUCH TAX DO MUTUAL FUNDS COST YOU?

WHAT IS INFLATION?

HOW DO YOU CALCULATE THE IMPACT OF INFLATION?

HOW DO YOU INVEST TO PLAN FOR INFLATION?

LAST WORD.

CHAPTER TWENTY: WHEN (AND HOW) TO GET BACK INTO THE MARKET.

WHEN DO I NEED THE MONEY?

WHAT ARE MY OPTIONS?

LAST WORD.

CHAPTER TWENTY-ONE: VARIABLE ANNUITIES.

WHAT IS A VARIABLE ANNUITY?

HOW DO YOU LIKE THOSE 1099S AND K-1S?

ARE YOU STUCK INVESTING IN ONE COMPANY'S FUNDS?

HOW DOES A VARIABLE ANNUITY PROTECT MY INVESTMENT?

WHICH FUNDS ARE BEST SUITED FOR A VARIABLE ANNUITY?

HOW MUCH DO VARIABLE ANNUITIES COST?

LAST WORD.

CHAPTER TWENTY-TWO: LIFE INSURANCE AS AN INVESTMENT.

CHAPTER TWENTY-THREE: HAVE YOU OUTGROWN MUTUAL FUNDS?

WHAT ARE MUTUAL FUNDS?

WHAT ARE INDIVIDUALLY MANAGED ACCOUNTS?

ARE MANAGED ACCOUNTS WORTH THE MONEY?

IS YOUR TAX SITUATION COVERED?

SO, WHAT DO THEY REALLY COST?

THE FINAL DECISION.

CHAPTER TWENTY-FOUR: CONVERTIBLE BONDS.

CERTIFICATES OF DEPOSIT AND MONEY MARKETS: THE NONALTERNATIVES.

PROGRESSIVE IDEAS: THREE INVESTMENT ALTERNATIVES.

STOCKS AND BONDS.

WHAT IS A CONVERTIBLE BOND?

TIMING IS EVERYTHING: WHEN TO USE EACH VEHICLE.

LAST WORD.

PART V: Asset Protection.

CHAPTER TWENTY-FIVE: WHY ASSET PROTECTION IS SO IMPORTANT TODAY.

MORE LAWSUITS THAN EVER BEFORE.

YOUR ODDS OF BECOMING A LAWSUIT VICTIM.

YOU ARE MORE LIKELY TO BE SUED THAN TO . . . .

PEOPLE ABUSE THE LEGAL SYSTEM.

ENORMOUS AWARDS FOR NEGLIGIBLE DAMAGES.

THE RULES OF ASSET PROTECTION: FRAUDULENT TRANSFER LAWS.

LAST WORD.

CHAPTER TWENTY-SIX: OWNERSHIP FORMS YOU MUST AVOID: YOUR OWN NAME, JOINT OWNERSHIP, AND GENERAL PARTNERSHIPS.

DO NOT HOLD ASSETS IN YOUR OWN NAME.

WHY JOINT OWNERSHIP IS SO DANGEROUS.

GENERAL PARTNERSHIPS: A LIABILITY NIGHTMARE FOR BUSINESSES.

LAST WORD.

CHAPTER TWENTY-SEVEN: USING INSURANCE AS AN ASSET PROTECTOR: A MIXED BLESSING.

WHAT PROPERTY AND CASUALTY INSURANCE IS.

BEST USES OF PROPERTY AND CASUALTY INSURANCE.

FIVE LIMITATIONS OF PROPERTY AND CASUALTY INSURANCE .

LAST WORD.

CHAPTER TWENTY-EIGHT: INSURANCE AND ANNUITIES: PROTECTED INVESTMENTS.

FEDERAL LAW GENERALLY DOES NOT SHIELD INVESTMENTS.

STATE LAW DOES PROTECT CERTAIN INVESTMENTS.

LIFE INSURANCE: PROTECTED EVERYWHERE.

ANNUITIES ARE SHIELDED IN MANY STATES.

LAST WORD.

CHAPTER TWENTY-NINE: FAMILY LIMITED PARTNERSHIPS AND LIMITED LIABILITY

COMPANIES: TWIN ASSET PROTECTION POWERHOUSES.

SIMILARITIES BETWEEN THE FLP AND THE LLC.

TWO BIG DIFFERENCES BETWEEN THE FLP AND THE LLC.

HOW FLPS/LLCS POWERFULLY PROTECT ASSETS.

THE WEAKNESSES OF THE CHARGING ORDER.

TWO TACTICS FOR MAXIMIZING FLP/LLC PROTECTION.

LAST WORD.

CHAPTER THIRTY: USING TRUSTS TO SHIELD WEALTH: FLEXIBLE TOOLS FOR EXCELLENT ASSET PROTECTION.

DEFINITIONS.

TRUST CLASSIFICATIONS.

LIVING TRUSTS: ILLUSORY ASSET PROTECTION.

OTHER BENEFITS OF LIVING TRUSTS.

IRREVOCABLE TRUSTS: THE ASSET PROTECTORS.

FIVE STRATEGIES TO CREATE AN IRONCLAD IRREVOCABLE TRUST.

CHAPTER THIRTY-ONE: USING OFFSHORE PLANNING TO PROTECT ASSETS.

OFFSHORE PLANNING: A WORLDWIDE PHENOMENON.

THE THREE REASONS AMERICANS GO OFFSHORE.

DUAL THREATS TO YOUR OFFSHORE PLAN: THE DEVIL WITHIN AND THE DEVIL WITHOUT.

THE DEVIL WITHOUT: WHY YOUR ADVISOR MAY BE YOUR WORST ENEMY.

CHAPTER THIRTY-TWO: OFFSHORE LLCS AND TRUSTS: THE DYNAMIC DUO OF OFFSHORE PLANNING.

NEVIS: AN IMPORTANT JURISDICTION FOR LIMITED LIABILITY COMPANIES.

OFFSHORE TRUSTS: THE CLASSIC OFFSHORE TOOL.

LAST WORD.

CHAPTER THIRTY-THREE: HOW TO PROTECT YOUR HOME: TURNING YOUR CASTLE INTO A LAWSUIT-PROOF FORTRESS.

USING STATE HOMESTEAD LAWS TO SHIELD YOUR HOME.

OWNING YOUR HOME IN A LIMITED LIABILITY COMPANY.

USING "FRIENDLY MORTGAGES" TO SHIELD ALL OF YOUR HOME'S EQUITY.

LAST WORD.

CHAPTER THIRTY-FOUR: PROTECTING WEALTH FROM DIVORCE.

WHY DIVORCE CAN BE A FINANCIAL NIGHTMARE.

CAN A "PRE-NUP" PROTECT YOU?

REQUIREMENTS FOR A PREMARITAL AGREEMENT.

SPECIAL CONSIDERATIONS FOR FAMILY BUSINESS OWNERS.

IRREVOCABLE SPENDTHRIFT TRUSTS: IDEAL TOOLS TO KEEP ASSETS IN THE FAMILY.

PROTECT YOUR CHILDREN FROM DIVORCE.

LAST WORD.

PART VI: Insurance Planning.

CHAPTER THIRTY-FIVE: AVOID THE BIGGEST PITFALLS, HELP YOURSELF AND YOUR FAMILY, AND SAVE MONEY IN THE PROCESS.

CHAPTER THIRTY-SIX: LIFE INSURANCE: THE BACKBONE OF WEALTH PROTECTION PLANNING.

WHAT IS LIFE INSURANCE? KEY CHARACTERISTICS THAT MAKE LIFE INSURANCE SO VALUABLE .

TYPES OF LIFE INSURANCE.

CHAPTER THIRTY-SEVEN: DISABILITY INSURANCE: INADEQUATE COVERAGE CAN BE MORE COSTLY THAN DEATH, DIVORCE, OR A LAWSUIT.

EMPLOYER PROVIDED COVERAGE.

POLICY CHECKUP.

HOW DO I GET THE BEST COVERAGE FOR MY MONEY?

LAST WORD.

CHAPTER THIRTY-EIGHT: LONG-TERM CARE: PROTECT YOURSELVES, YOUR CHILDREN, AND YOUR PARENTS. WHAT IS LONG-TERM-CARE INSURANCE?

WHY DO YOU NEED LONG-TERM-CARE INSURANCE?

WON'T THE GOVERNMENT COVER THESE LONG-TERM-CARE COSTS?

WHY DON'T MOST PEOPLE HAVE LTCI?

WHAT SHOULD YOU LOOK FOR IN AN LTCI POLICY?

CHAPTER THIRTY-NINE: HOW TO BUY INSURANCE EVEN IF YOU'RE UNINSURABLE.

ARE YOU REALLY UNINSURABLE?

USE A "SURROGATE INSURED".

FOREIGN INSURANCE COMPANIES THAT INSURE THE UNINSURABLE.

LAST WORD.

CHAPTER FORTY: "FREE" INSURANCE: USING OTHER PEOPLE'S MONEY TO PAY FOR YOUR ESTATE PLANNING.

HOW DOES THIS WORK?

IS THIS POSSIBLE?

IS IT WORTH THE EFFORT?

PART VII: Retirement Planning.

CHAPTER FORTY-ONE: WE DON'T KNOW WHERE WE'RE GOING, BUT WE ALL WANT TO GET THERE.

CHAPTER FORTY-TWO: DEFINED-CONTRIBUTION PLANS: THE TRUTH ABOUT YOUR 401(K), PENSION, AND IRAS.

WHY HAVEN'T I HEARD THE TERM DEFINED CONTRIBUTION?

OTHER BENEFITS.

POTENTIAL PITFALLS.

CHOOSING THE RIGHT PLAN FOR YOU.

CHAPTER FORTY-THREE: DEFINED-BENEFIT PLANS: CATCH UP IN YOUR RETIREMENT PLANNING.

ARE YOU A GOOD CANDIDATE FOR A DEFINED-BENEFIT PLAN?

CHAPTER FORTY-FOUR: THE PERFECT RETIREMENT PLAN IF YOU ARE OVER AGE 50: THE 412(I) PLAN.

BEST CANDIDATES FOR A DEFINED-BENEFIT PLAN.

THE BASICS OF DEFINED-BENEFIT PLANS.

A VARIATION ON THE THEME-HOW TO DEDUCT OVER $100,000 PER YEAR.

WHY WOULD I WANT LOWER RETURNS?

PITFALLS OF DEFINED-BENEFIT PLANS.

LAST WORD.

CHAPTER FORTY-FIVE: VARIABLE ANNUITIES: ASSET PROTECTION, TAX DEFERRAL, AND CAPITAL PRESERVATION FOR YOUR RETIREMENT PLAN.

WHAT IS A VARIABLE ANNUITY?

WILL HAVING A VARIABLE ANNUITY AFFECT MY PENSION CONTRIBUTIONS?

ADDITIONAL BENEFITS OF VARIABLE ANNUITIES.

LAST WORD.

CHAPTER FORTY-SIX: LIFE INSURANCE AS A RETIREMENT TOOL.

WHAT ARE THE BEST TYPES OF INSURANCE TO USE FOR RETIREMENT PLANNING?

WHY USE AN INSURANCE POLICY AT ALL?

WHY USE A VARIABLE POLICY?

WHY USE A WHOLE LIFE POLICY?

LAST WORD.

CHAPTER FORTY-SEVEN: DON'T RUN OUT OF MONEY (OR PAY TOO MUCH IN TAXES) IN RETIREMENT: LIFE ANNUITIES.

HOW CAN I TAKE THE STOCK MARKET AND INTEREST RATE RISK OUT OF THE RETIREMENT PICTURE?

HOW MUCH INCOME CAN I EXPECT FROM A LIFE ANNUITY?

HOW DO I USE A LIFE ANNUITY AND STILL LEAVE SOMETHING FOR MY CHILDREN OR GRANDCHILDREN?

IS THERE A WAY TO GET TAX-FREE INCOME WITH A LIFE ANNUITY?

LAST WORD.

CHAPTER FORTY-EIGHT: AVOIDING OUTRAGEOUS TAXES ON RETIREMENT PLAN WITHDRAWALS.

CREATING TAX-FREE INCOME AND AN ESTATE TAX-FREE INHERITANCE.

LAST WORD.

CHAPTER FORTY-NINE: DON'T LET MEDICAL CONDITIONS RUIN YOUR RETIREMENT: TAKE ADVANTAGE OF LONGTERM-CARE INSURANCE.

PART VIII:

Estate Planning.

CHAPTER FIFTY: MAKING SURE FAMILY ASSETS AREN'T LOST TO DISINHERITANCE, COURTS, OR THE IRS.

CHAPTER FIFTY-ONE: THE TRUTH ABOUT THE ESTATE TAX "REPEAL".

THERE IS NO ESTATE TAX REPEAL: ONLY A GRADUAL REDUCTION OF THE ESTATE TAX BITE.

WILL THERE BE ANY SO-CALLED REPEAL AT ALL?

EVEN IF THE ESTATE TAX REPEAL MAKES IT THROUGH, THE GIFT TAX REMAINS.

STATE ESTATE TAXES MAY APPEAR.

ANY REPEAL MEANS A LOSS OF BASIS STEP-UP AT DEATH.

THE REPEAL LEAVES IRD ALONE.

CHAPTER FIFTY-TWO: WILLS AND LIVING TRUSTS: THE BUILDING BLOCKS OF EVERY ESTATE PLAN.

WHY YOU NEED A WILL AND A LIVING TRUST: TO SAVE TIME AND MONEY AND TO KEEP YOUR ESTATE PRIVATE.

THE PITFALLS OF PROBATE.

HOW A LIVING TRUST SOLVES THE PROBLEM.

HOW TO TRANSFER ASSETS TO A LIVING TRUST.

YOU MAY NAME YOURSELF OR SOMEONE ELSE AS TRUSTEE.

WHEN YOU DIE, YOUR SUCCESSOR TRUSTEE WILL TAKE OVER.

YOU DECIDE WHEN YOUR BENEFICIARIES RECEIVE THEIR INHERITANCES.

THE SUCCESSOR TRUSTEE MUST FOLLOW YOUR TRUST INSTRUCTIONS.

LAST WORD.

CHAPTER FIFTY-THREE: THE A-B LIVING TRUST: HOW TO SAVE OVER $400,000 IN ESTATE TAXES FOR UNDER $3,000.

THE UNIFIED ESTATE TAX CREDIT.

THE UNLIMITED MARITAL DEDUCTION.

HOW AN A-B LIVING TRUST USES BOTH GET-OUT-OF-ESTATE-TAXES-FREE CARDS.

LAST WORD.

CHAPTER FIFTY-FOUR: AVOIDING JOINT OWNERSHIP AND THE DISINHERITANCE RISK.

WHY JOINT OWNERSHIP IS SO DANGEROUS.

JOINT OWNERSHIP CAN RUIN YOUR ESTATE PLAN.

LAST WORD.

CHAPTER FIFTY-FIVE: KEEP THE VALUE OF YOUR LIFE INSURANCE BY USING AN IRREVOCABLE LIFE INSURANCE TRUST.

REMOVING THE INSURANCE FROM YOUR ESTATE.

THE SUPERIOR STRATEGY: USE AN IRREVOCABLE LIFE INSURANCE TRUST.

REQUIREMENTS FOR YOUR ILIT.

HOW TO USE AN ILIT AND KEEP AN INCOME STREAM DURING YOUR LIFETIME.

LAST WORD.

CHAPTER FIFTY-SIX: FLPS AND LLCS: TRIPLE-PLAY TOOLS FOR ESTATE PLANNING.

FLP/LLC ASSETS AVOID PROBATE AND CONTINUE TO OPERATE.

FLPS/LLCS ALLOW YOU TO GET PROPERTY OUT OF YOUR ESTATE WITHOUT GIVING UP CONTROL.

FLPS/LLCS LOWER ESTATE TAXES ON ASSETS THEY HOLD.

VALUATION DISCOUNTING USING FLPS/LLCS.

LAST WORD.

CHAPTER FIFTY-SEVEN: WHY YOUR PENSION, 401(K), OR IRA MAY BE AN 80 PERCENT TAX TRAP.

YOU MAY PAY TAX AT THE SAME-OR HIGHER-TAX RATES.

YOU MAY NOT NEED THE FUNDS IN RETIREMENT.

ANY FUNDS LEFT WILL BE DECIMATED BY TAXES.

BASICS OF INCOME IN RESPECT OF A DECEDENT.

CHAPTER FIFTY-EIGHT: AVOIDING THE 80 PERCENT RETIREMENT PLAN TAX TRAP.

IF YOU ARE EARLY IN YOUR CAREER, MONITOR PARTICIPATION IN QUALIFIED PLANS.

OPTION 1: STRETCH IRAS.

OPTION 2: LIQUIDATE AND LEVERAGE.

OPTION 3: THE CAPITAL TRANSFORMATION STRATEGY.

LAST WORD.

CHAPTER FIFTY-NINE: GETTING LIFE INSURANCE FOR HALF THE COST.

CHAPTER SIXTY: LONG-TERM-CARE INSURANCE FOR ESTATE PLANNING: PROTECT YOUR ESTATE FROM RISING MEDICAL COSTS.

DO YOU NEED LTCI?

LAST WORD.

CHAPTER SIXTY-ONE: CHARITABLE ESTATE PLANNING: HOW TO GET MORE TO YOUR FAMILY AND BENEFIT A CHARITY.

LAST WORD.

PART IX: Business Planning.

CHAPTER SIXTY-TWO: TURNING YOUR COMPANY INTO A FINANCIAL POWERHOUSE.

CHAPTER SIXTY-THREE: WELFARE BENEFIT PLANS: ASSET PROTECTION, TAX REDUCTION, AND ESTATE PLANNING ALL IN ONE.

BRIEF HISTORY OF WELFARE BENEFIT PLANS. HOW A WELFARE BENEFIT PLAN WORKS.

KEY BENEFITS OF WBPS.

BEWARE OF AGGRESSIVE WBP "CONSULTANTS".

LAST WORD.

CHAPTER SIXTY-FOUR: WHY YOU SHOULD CONSIDER A CAPTIVE INSURANCE COMPANY.

WHAT THE CIC IS.

CIC AS A RISK MANAGEMENT TOOL.

COMPARED WITH SELF-INSURING: ANNUAL DEDUCTIONS AND SUPERIOR ASSET PROTECTION.

CICS' ANCILLARY TAX BENEFITS.

NO LOSS OF CONTROL.

AVOIDING LAND MINES.

CAN YOU AFFORD A CIC?

LAST WORD.

CHAPTER SIXTY-FIVE: BUY-SELL AGREEMENTS ARE ESSENTIAL.

WHY THE BUY/SELL AGREEMENT IS SO CRUCIAL.

BUY/SELL BASICS.

FUNDING THE AGREEMENT.

THE NEED FOR A COORDINATED TEAM.

LAST WORD.

CHAPTER SIXTY-SIX: CORPORATIONS: THE STANDARD BUSINESS ENTITY.

CORPORATION BASICS.

CHARACTERISTICS OF A CORPORATION.

USING A CORPORATION TO PROTECT YOUR WEALTH FROM YOUR BUSINESS CREDITORS.

SPECIAL CONSIDERATIONS FOR PROFESSIONALS.

REQUIREMENTS FOR CORPORATE PROTECTION.

CHAPTER SIXTY-SEVEN: ADVANCED ASSET PROTECTION FOR YOUR BUSINESS: TURNING YOUR BUSINESS INTO A CREDITOR-PROOF FORTRESS.

STRUCTURE YOUR BUSINESS FOR MAXIMUM WEALTH PROTECTION.

ASSETS YOUR BUSINESS SHOULD NOT OWN.

STICK TO WHAT YOU KNOW.

CHAPTER SIXTY-EIGHT: REMOVE HEADACHES AND COSTS WITH PEOS.

THE SOLUTION.

BENEFITS.

CHOOSING A PROFESSIONAL EMPLOYER ORGANIZATION.

LAST WORD.

APPENDIX ONE: THE 10 COMMANDMENTS OF OFFSHORE.

APPENDIX TWO: PREVENTING FRAUDULENT TRANSFER.

HOW TO AVOID FRAUDULENT TRANSFER CLAIMS.

WHY AN ASSET PROTECTION EXPERT IS SO IMPORTANT.

APPENDIX THREE: INTESTACY: WHAT HAPPENS IF YOU DIE WITHOUT A WILL OR LIVING TRUST.

INTESTACY DEFINED.

SAMPLE INTESTACY LAW.

APPENDIX FOUR: 2002 INCOME TAX TABLES.

APPENDIX FIVE: ASSET QUESTIONNAIRE.

APPENDIX SIX: SAMPLE EMPLOYEE CENSUS FOR RETIREMENT AND OTHER BENEFITS PLANNING.

INDEX.