Asset Protection for Physicians.
You Are A Target. Be Invisible.
Physicians are high-value targets for frivolous lawsuits. We build legal fortresses around your assets so that even if you lose a lawsuit, you don't lose your wealth.
★ 5.0 on Google113 reviews4.9 from 114 BiggerPockets reviews1,000+ clientsAll 50 states, fully remote
Malpractice Is the Least of Your Worries
The real liability threats physicians face
Everyone worries about medical malpractice, but your policy covers that. The REAL danger comes from "excess verdicts" (above policy limits) and non-medical liability: car accidents, slip-and-falls on your rental property, or employee lawsuits.
If you own assets in your own name, they are low-hanging fruit for a creditor. A plaintiff's attorney looks for "deep pockets." If you look like an easy target, you get sued. If you look like a stone fortress, they settle.
Vulnerability Checklist
How exposed are you right now?
- Owning rental properties in your personal name (Huge Risk)
- Having less than $2M in Umbrella Insurance coverage
- Keeping large amounts of cash in a bank account exposed to garnishment
- Co-signing loans for children (or letting them drive cars titled in your name)
- Holding all assets in a Revocable Living Trust (which offers ZERO asset protection)
“From my perspective, I have very complicated taxes and cannot say enough in appreciation for Bryan to figure it all out: His patience, his expertise, his persistence made all the difference in the world!”
Published client feedback. Individual experiences vary.
Strategies to Bulletproof Your Wealth
We use legal structures to make you unattractive to litigators
Umbrella Insurance
The first line of defense. It's cheap (~$500/yr for $1M). We recommend coverage equal to your Net Worth. It kicks in when your auto/home limits are exhausted.
The LLC Wrapper
Never own rentals personally. Each property (or small group) should be in an LLC. This contains liability. If a tenant sues, they can't touch your personal home or brokerage.
Tenancy by the Entirety
In some states (like FL, PA), assets titled this way are protected from the separated creditors of one spouse. If only one of you is sued, the joint asset is safe.
ERISA Protections
401(k)s have federal protection from creditors. IRAs generally have state-level protection (which varies). We lean heavily into ERISA-protected accounts for high-risk specialties.
DAPT (Trusts)
Domestic Asset Protection Trusts. Advanced structures in specific states (NV, DE, SD) that allow you to be a beneficiary of your own trust while shielding it from lawsuits.
Equity Stripping
We direct lenders to place liens on your safe assets. To a creditor, the asset looks like it has no equity to seize, even if the debt is friendly.
Inside vs Outside Liability: Deep Dive
Understanding the two ways you can be attacked
Inside Liability: Someone gets hurt ON your property. The LLC stops the lawsuit from escaping and taking your personal home.
Outside Liability: YOU hit someone with your car. The victim sues YOU. Can they take your LLC? In strong states (WY, NV), the answer is NO; they can only get a "Charging Order" (which gives them nothing but a tax bill).
The "Series LLC" Firewall
*Not all states recognize Series LLCs. We help you choose the right jurisdiction.
Protection FAQ
Doesn't my Living Trust protect my assets?
NO. A Revocable Living Trust is for privacy and avoiding probate. It offers ZERO protection from creditors because you still control the assets. You need an Irrevocable Trust or LLC for protection.
Is Umbrella Insurance expensive?
It is the cheapest insurance you can buy. Roughly $300-$500 per year for the first $1 Million in coverage. Every attending physician should have at least $1M-$3M.
Can I just put everything in my spouse's name?
Risky. If you get divorced, you might lose it all. If your spouse gets sued (car accident), you lose it all. It is better to use legal entities than informal handshake deals.
What is the 'Homestead Exemption'?
Some states (FL, TX) protect 100% of your primary home's equity from creditors. Other states afford very little protection. We analyze your specific state laws.
Protect the Bag.
A free 30-minute call with our team about your needs, how we can help, and whether we are a good fit. Tax advice, document reviews, and analysis require a paid engagement.Your tax plan and specific advice come after you engage. The call is about fit and next steps.
Tax planning slots are limited before year-end.
Connect your medical income with a year-round tax plan.
Discuss employment, practice interests, retirement plans, and operating states with a CPA who works with physicians.
Explore CPA services for physicians and doctors →Related Taxstra resources
Continue with the services, planning tools, and explainers most relevant to this topic.