Asset Preservation

Asset Preservation for Business Owners

Through Your Personal CFO & Virtual Business Office Team

As a successful business owner, you’ve worked hard to build your wealth. Yet many owners leave their assets exposed—personally and professionally—without realizing it. Our Personal CFO services, backed by a team of coordinated tax, legal, and insurance professionals, deliver a comprehensive asset preservation strategy tailored to you.

🔍 What We Provide

1. Strategic Legal Structures

LLCs, S Corps, and holding companies to separate high-risk operations from valuable assets.
OpCo / PropCo models to safeguard real estate and intellectual property.

2. Advanced Trust & Estate Planning

Irrevocable trusts and domestic asset protection trusts (DAPTs) to move assets out of creditors’ reach.
Buy-sell agreements and funded succession plans to safeguard your business legacy.

3. Comprehensive Risk Management

Liability audits across your business and personal life.
Tailored umbrella, malpractice, cyber, and key person insurance programs.

4. Debt & Creditor Protection

Avoid personal guarantees where possible.
Structure business debts to minimize risk to your personal estate.

5. Safeguard Retirement & Wealth

Maximize ERISA-protected plans like 401(k)s and cash balance plans.
Implement gifting strategies and family partnerships to reduce exposure and future tax burdens.

6. Integrated Oversight

Your Personal CFO coordinates all advisors—CPA, attorney, insurance, bankers—into one aligned strategy.
A live dashboard shows ownership, risk protections, and keeps your plan up to date.

📝 Example: NJ Business Owner

A New Jersey manufacturing owner we advised had his factory and personal real estate under the same LLC—unaware it put his family home at risk from a single lawsuit.

We restructured into a two-entity OpCo/PropCo model, set up a domestic asset preservation trust for long-term savings, and layered a custom umbrella liability policy.

_{*This is a hypothetical situation based on real life examples. To determine which investments or strategies may be appropriate for you, consult your advisor prior to investing.}

Did You Know?

In New Jersey, most qualified retirement plans are fully protected from creditors, including in bankruptcy. This is due to protections under both federal and state law, though there are specific, limited exceptions.
Without a properly drafted operating agreement, your LLC may fail to protect you when you need it most.

Let’s Safeguard What You’ve Built

Schedule a complimentary Asset Preservation Strategy Session today.
We’ll map out where you stand—and how to keep more of what you’ve earned for generations.

Asset Preservation