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Editorial Description

For the first time, two of the nation’s foremost asset protection planners pool their collective knowledge to bring you Asset Protection …in financially unsafe times.

The result of over 3 years of extensive research, Asset Protection …in financially unsafe times is the most comprehensive, up-to-date book on asset protection available. With over 440 references, it thoroughly examines asset protection fundamentals as well as the most cutting-edge strategies. The authors dispel much of the hype and misinformation surrounding asset protection, with in-depth analysis of relevant case law, statute law, and other authoritative source material in easy-to-understand language.

Many of these strategies are not found in any other book, and are only used by a few of the nation s best planners, including:
• Non-qualified personal residence trusts (NQPRTs)
• Equity stripping via both debt-based and obligation-based liens
• UFTA Section 8(a) defense strategies
• Disregarded Entity Multi-Member LLCs (DEMMLLCs)
• Synthetic Roth IRAs (SynRoths)
• Billing and Collections Companies (BICOCOs) for protecting accounts receivable (A/R) (a superior alternative to A/R financing arrangements)
• Offshore self-directed IRAs
• Ultimate LLCs (ULLCs)
• Series LLCs
• Defective Beneficiary-Taxed Trusts (DBETTs)

Do you see these strategies being discussed in other books? That’s because other books are not at the cutting edge of asset protection planning.

This book is at the cutting edge of Asset Protection!

In addition to the foregoing, this book explores more conventional asset protection tools and theory, such as:
• Fraudulent transfer law
• Corporations
• LLCs
• Exemption planning, including bankruptcy exemptions
• Co-ownership strategies and pitfalls (tenants by the entirety, community property ownership, tenants in common, etc.)
• Limited Partnerships for asset protection and estate planning
• Trusts for asset protection and estate planning
• Offshore LLCs, trusts, and other offshore planning tools
• Foreign Insurance and global investing

Finally, this book discusses asset protection as a holistic, wealth preservation discipline, as well as the application of asset protection to specific circumstances, which include:
• A thorough overview of estate and gift taxes
• A description of both simple and advanced estate planning strategies, and how those strategies are integrated into a comprehensive asset protection and estate plan
• Pre-bankruptcy planning
• Pre-divorce/pre-marital planning
• Reinforcing one s wealth against market meltdowns
• Asset protection and the IRS

Asset Protection… in financially unsafe times is thus an essential resource for professionals, their clients, and anyone who wants to learn about the most effective asset protection and estate planning tools available.

About the Author

Arnold S. Goldstein, founding member of Presser & Goldstein, LLC, has over forty years experience as one of the country’s foremost asset protection specialists, and has helped protect the wealth of more than 20,000 individuals and businesses from lawsuits and creditors.

Dr. Goldstein has authored nearly 100 books on law and asset protection and has been featured in numerous financial and professional publications as well as many radio and TV shows, including CNN, CNBC and NBC s Today Show.

W. Ryan Fowler has until recently been one of the best kept secrets in the wealth preservation community.

A graduate of Brigham Young University, Mr. Fowler is the founder and managing member of The Privacy & Financial Shield LLC(, and has trained, mentored, or consulted for dozens of attorneys and other professionals nationwide in regards to wealth preservation matters.

Mr. Fowler originally began researching asset protection in an attempt to rectify the many differences of opinion, both within and without professional circles, as to which asset protection strategies worked and which didn’t. In order to separate fact from hype, Mr. Fowler would only support a strategy if he could prove its efficacy via a thorough analysis of statutory law, case law, and other relevant data. The results of this research has made Mr. Fowler a pioneer in some of the most advanced asset protection strategies available, such as equity stripping via obligation-based liens, UFTA Section 8(a) defense strategies, and the use of disregarded entity multi-member LLCs (DEMMLLCs).

Mr. Fowler currently resides in Salt Lake City, Utah.

Hillel L. Presser, founding member of Presser & Goldstein, LLC, represents individuals and businesses in connection with the establishment of comprehensive asset protection plans that incorporate both domestic and offshore components.

Mr. Presser has been featured in countless newspapers and magazines, among them Forbes, Sports Illustrated, The Robb Report, the Houston Chronicle, and the Los Angeles Times. He has also been appeared on radio and television stations such as FOX, NBC, ABC, and CBS and has been profiled in the international press in Canada, Germany, Greece, Ireland, and the United Kingdom. He has represented some of today’s most well known celebrities and professional athletes.

What happens to your estate after you are gone is very much within your control. Estate planning is not only for the wealthy; it is for everyone. It is simply the process of deciding where your assets are to be distributed after your death. For those people who wish to preserve their assets for designated purposes such as family or special charities it becomes necessary to make special advance preparations. To ensure your assets are protected and final wishes are carried out, there are some common actions that should be taken now. Proper estate planning allows you to plan for yourself and your loved ones without giving up control of your affairs. Your estate plan should also allow for the possibility of your own disability. It should detail what you own and whom you want to leave it to at a time of your choosing and the way you want. Your estate plan should include fully disclosed, controlled costs for you and your loved ones. The last thing you want to worry about is having your estate drained of value through taxes and legal costs. The right plan can protect the value of your estate and spare your loved ones unnecessary hassles and legal conflicts. The book will help you glide through this complicated process. The author, attorney at law, has crafted an estate planning primer, allowing readers to become more informed and more involved during the process. Many books on estate planning indicate you do not need the services of an attorney, but this book highly recommends using an attorney versed in this area: You should not go through the process alone. This book is intended explain the complicated issues, terminology, and planning strategies of estate planning so when you do meet with a qualified attorney, you will be well prepared. You will understand the legal terms and be ready to discuss issues and strategies with familiarity, saving you time and legal fees and ensuring peace of mind.. The book s easy-to-understand context clarifies this complicated and sensitive subject and gives readers the power to take control of their future. This book also offers an overview of abatement rules, settlement costs, guardianship and minor children, executors and trustees, life insurance, potential long-term care needs, marital deductions, types of trusts, gift splitting, survivorship deeds, 529 plans, reducing or eliminating estate taxes, avoiding tax on life insurance, using insurance to pay estate taxes, gift tax issues, generation skipping transfer tax, and tax-deferred accounts. Estate planning should be a positive experience. It involves reviewing your situation and planning for your future. Although few people want to think about the possibility of disability or disease, advance planning is also a way to show your love and to reduce potential distress later. Other books offer a non-state-specific overview of estate planning, causing many readers to be misinformed about rules and regulations particular to their state; but, this new book provides information California residents need to know. Do not get outdated or wrong information that does not pertain to you specifically. Use this new book to craft an estate plan that is not only legally sound but also fully carries out your last wishes and protects your loved ones.


From the Publisher
Anyone with a family and valuable assets can protect much of what they have using a few simple and effective techniques that are outlined in this book. Sears explains the value of living trusts, limited partnerships, and limited liability corporations in keeping assets secure. He also explains the value of offshore banking in assuring anonymity and security.

About the Author
XXX is an attorney, CPA, and law professor. He is a frequent speaker at seminars regarding estate planning and asset protection


The authors of Wealth Protection-a financial adviser and a tax attorney-boast that their book should cost $5,000 because reading it is akin to meeting with a top wealth manager, minus the fancy office. For the most part, they deliver: Written specifically for wealthy investors, the advice ranges from fairly rudimentary (diversification, mutual fund costs) to very sophisticated (offshore trusts, business planning), without any XXXXXXX-style hand-holding. A nifty “risk factor analysis” quiz even helps readers customize the information to their needs. Even so, this is more useful as a reference for savvy investors than as a do-it-yourself financial adviser. – YYYYYY (Worth Magazine, December 2002)


Congratulations! You have worked hard for many years and own a booming business; or perhaps you are a successful doctor, attorney, CPA, or another high-income earner. Making that money was difficult; now, you have to create a strategy to keep it. Unfortunately, you are on the radar with pending lawsuits from other businesses, employees, business partners, past marriages, relatives, the government, or anyone else who thinks they can reach your assets. With a little knowledge and access to the Internet, anyone can discover a lot of information about you, including: your home, cars, boats, real estate, bank, and investment accounts – essentially everything you own. On average, 80,000 lawsuits were filed in 2006 each day. Fortunately, you can act now to protect yourself and family later. In this easy-to-read and comprehensive book, you will learn the simple steps you need to do to protect yourself before there is a problem. The book provides a number of worksheets to help you decide the best plan of action for your financial position and personal needs. You will learn the ins and outs of protecting yourself and your family through legal methods, such as corporations, family limited partnerships and trusts, family saving trusts, offshore trusts corporations, and limited liability companies (LLCs). You will learn how to reposition your assets into legal entities that you control, creating bullet-proof security. You will learn about irrevocable living trusts, creating and maintaining LLCs, equity-stripping techniques, privacy plans, durable power of attorney, bankruptcy legislation, and estate planning for high-income individuals, as well as living, testamentary, and pour-over wills. The trick is to own nothing directly but control everything legally.
Product description: In Lawyers are Liars, Mark explains the strategies that actually work to protect our assets and uses more than 270 footnotes to do it, quoting and referencing the true experts around the country. Undoubtedly, this book will become a desktop resource for not only the average middle income American wanting to protect his or her assets, but attorneys, estate planners and financial professionals guiding their clients through this complex area of the law.