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"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.
Contents
INTRODUCTION
WHY WE WROTE THIS BOOK XIX
PART I The System/the Book
CHAPTER ONE WHY THIS BOOK SHOULD COST $5,000 3
CHAPTER TWO WHAT IS WEALTH PROTECTION? 9
CHAPTER THREE FINDING YOUR PERSONAL ECONOMY 17
PART II Customizing This Book for You
CHAPTER FOUR INTRODUCING THE RISK FACTOR ANALYSIS 23
CHAPTER FIVE THE QUESTIONS 25
CHAPTER SIX THE INTERPRETATION OF YOUR ANSWERS 33
PART III Tax Planning
CHAPTER SEVEN MAKE SURE YOU DON'T GIVE AWAY MORE THAN NECESSARY 51
CHAPTER EIGHT UNCLE SAM'S PIECES OF YOUR PIE 53
CHAPTER NINE RETIREMENT PLANS 58
CHAPTER TEN GETTING DEDUCTIONS FOR BUYING INSURANCE— WELFARE BENEFIT PLANS (419S) 60
CHAPTER ELEVEN HOW TO BORROW YOUR CHILDREN'S LOWER TAX RATES WITH FLPS/LLCS 62
CHAPTER TWELVE DEDUCTING LONG-TERM-CARE INSURANCE 66
CHAPTER THIRTEEN USING CHARITABLE GIVING TO REDUCE INCOME TAXES 69
CHAPTER FOURTEEN THE TAX-ADVANTAGED TOOL FOR COLLEGE SAVINGS—529 PLANS 76
CHAPTER FIFTEEN INCOME IN RESPECT OF A DECEDENT 83
CHAPTER SIXTEEN IS YOUR TAX ADVISOR HELPING YOU OR HURTING YOU? 85
PART IV Investing
CHAPTER SEVENTEEN YOUR MONEY DOESN'T COME WITH INSTRUCTIONS 91
CHAPTER EIGHTEEN UNDERSTANDING INVESTING 93
CHAPTER NINETEEN TAXES, INFLATION, AND YOUR INVESTMENTS 99
CHAPTER TWENTY WHEN (AND HOW) TO GET BACK INTO THE MARKET 103
CHAPTER TWENTY-ONE VARIABLE ANNUITIES 107
CHAPTER TWENTY-TWO LIFE INSURANCE AS AN INVESTMENT 112
CHAPTER TWENTY-THREE HAVE YOU OUTGROWN MUTUAL FUNDS? 113
CHAPTER TWENTY-FOUR CONVERTIBLE BONDS 121
PART V Asset Protection
CHAPTER TWENTY-FIVE WHY ASSET PROTECTION IS SO IMPORTANT TODAY 131
CHAPTER TWENTY-SIX OWNERSHIP FORMS YOU MUST AVOID: YOUR OWN NAME, JOINT OWNERSHIP, AND GENERAL PARTNERSHIPS 136
CHAPTER TWENTY-SEVEN USING INSURANCE AS AN ASSET PROTECTOR: A MIXED BLESSING 144
CHAPTER TWENTY-EIGHT INSURANCE AND ANNUITIES: PROTECTED INVESTMENTS 149
CHAPTER TWENTY-NINE FAMILY LIMITED PARTNERSHIPS AND LIMITED LIABILITY COMPANIES: TWIN ASSET PROTECTION POWERHOUSES 153
CHAPTER THIRTY USING TRUSTS TO SHIELD WEALTH: FLEXIBLE TOOLS FOR EXCELLENT ASSET PROTECTION 163
CHAPTER THIRTY-ONE USING OFFSHORE PLANNING TO PROTECT ASSETS 171
CHAPTER THIRTY-TWO OFFSHORE LLCS AND TRUSTS: THE DYNAMIC DUO OF OFFSHORE PLANNING 180
CHAPTER THIRTY-THREE HOW TO PROTECT YOUR HOME: TURNING YOUR CASTLE INTO A LAWSUIT-PROOF FORTRESS 186
CHAPTER THIRTY-FOUR PROTECTING WEALTH FROM DIVORCE 193
PART VI Insurance Planning
CHAPTER THIRTY-FIVE AVOID THE BIGGEST PITFALLS, HELP YOURSELF AND YOUR FAMILY, AND SAVE MONEY IN THE PROCESS 205
CHAPTER THIRTY-SIX LIFE INSURANCE: THE BACKBONE OF WEALTH PROTECTION PLANNING 207
CHAPTER THIRTY-SEVEN DISABILITY INSURANCE: INADEQUATE COVERAGE CAN BE MORE COSTLY THAN DEATH, DIVORCE, OR A LAWSUIT 213
CHAPTER THIRTY-EIGHT LONG-TERM CARE: PROTECT YOURSELVES, YOUR CHILDREN, AND YOUR PARENTS 224
CHAPTER THIRTY-NINE HOW TO BUY INSURANCE EVEN IF YOU'RE UNINSURABLE 229
CHAPTER FORTY "FREE" INSURANCE: USING OTHER PEOPLE'S MONEY TO PAY FOR YOUR ESTATE PLANNING 234
PART VII Retirement Planning
CHAPTER FORTY-ONE WE DON'T KNOW WHERE WE'RE GOING, BUT WE ALL WANT TO GET THERE 239
CHAPTER FORTY-TWO DEFINED-CONTRIBUTION PLANS: THE TRUTH ABOUT YOUR 401(K), PENSION, AND IRAS 241
CHAPTER FORTY-THREE DEFINED-BENEFIT PLANS: CATCH UP IN YOUR RETIREMENT PLANNING 244
CHAPTER FORTY-FOUR THE PERFECT RETIREMENT PLAN IF YOU ARE OVER AGE 50: THE 412(I) PLAN 247
CHAPTER FORTY-FIVE VARIABLE ANNUITIES: ASSET PROTECTION, TAX DEFERRAL, AND CAPITAL PRESERVATION FOR YOUR RETIREMENT PLAN 251
CHAPTER FORTY-SIX LIFE INSURANCE AS A RETIREMENT TOOL 254
CHAPTER FORTY-SEVEN DON'T RUN OUT OF MONEY (OR PAY TOO MUCH IN TAXES) IN RETIREMENT: LIFE ANNUITIES 259
CHAPTER FORTY-EIGHT AVOIDING OUTRAGEOUS TAXES ON RETIREMENT PLAN WITHDRAWALS 263
CHAPTER FORTY-NINE DON'T LET MEDICAL CONDITIONS RUIN YOUR RETIREMENT: TAKE ADVANTAGE OF LONGTERM-CARE INSURANCE 266
PART VIII Estate Planning
CHAPTER FIFTY MAKING SURE FAMILY ASSETS AREN'T LOST TO DISINHERITANCE, COURTS, OR THE IRS 271
CHAPTER FIFTY-ONE THE TRUTH ABOUT THE ESTATE TAX "REPEAL" 273
CHAPTER FIFTY-TWO WILLS AND LIVING TRUSTS: THE BUILDING BLOCKS OF EVERY ESTATE PLAN 278
CHAPTER FIFTY-THREE THE A-B LIVING TRUST: HOW TO SAVE OVER $400,000 IN ESTATE TAXES FOR UNDER $3,000 284
CHAPTER FIFTY-FOUR AVOIDING JOINT OWNERSHIP AND THE DISINHERITANCE RISK 289
CHAPTER FIFTY-FIVE KEEP THE VALUE OF YOUR LIFE INSURANCE BY USING AN IRREVOCABLE LIFE INSURANCE TRUST 292
CHAPTER FIFTY-SIX FLPS AND LLCS: TRIPLE-PLAY TOOLS FOR ESTATE PLANNING 298
CHAPTER FIFTY-SEVEN WHY YOUR PENSION, 401(K), OR IRA MAY BE AN 80 PERCENT TAX TRAP 303
CHAPTER FIFTY-EIGHT AVOIDING THE 80 PERCENT RETIREMENT PLAN TAX TRAP 311
CHAPTER FIFTY-NINE GETTING LIFE INSURANCE FOR HALF THE COST 321
CHAPTER SIXTY LONG-TERM-CARE INSURANCE FOR ESTATE PLANNING: PROTECT YOUR ESTATE FROM RISING MEDICAL COSTS 322
CHAPTER SIXTY-ONE CHARITABLE ESTATE PLANNING: HOW TO GET MORE TO YOUR FAMILY AND BENEFIT A CHARITY 324
PART IX Business Planning
CHAPTER SIXTY-TWO TURNING YOUR COMPANY INTO A FINANCIAL POWERHOUSE 331
CHAPTER SIXTY-THREE WELFARE BENEFIT PLANS: ASSET PROTECTION, TAX REDUCTION, AND ESTATE PLANNING ALL IN ONE 333
CHAPTER SIXTY-FOUR WHY YOU SHOULD CONSIDER A CAPTIVE INSURANCE COMPANY 338
CHAPTER SIXTY-FIVE BUY-SELL AGREEMENTS ARE ESSENTIAL 346
CHAPTER SIXTY-SIX CORPORATIONS: THE STANDARD BUSINESS ENTITY 352
CHAPTER SIXTY-SEVEN ADVANCED ASSET PROTECTION FOR YOUR BUSINESS: TURNING YOUR BUSINESS INTO A CREDITOR-PROOF FORTRESS 358
CHAPTER SIXTY-EIGHT REMOVE HEADACHES AND COSTS WITH PEOS 365
APPENDIX ONE THE 10 COMMANDMENTS OF OFFSHORE 369
APPENDIX TWO PREVENTING FRAUDULENT TRANSFER 372
APPENDIX THREE INTESTACY: WHAT HAPPENS IF YOU DIE WITHOUT A WILL OR LIVING TRUST 377
APPENDIX FOUR 2002 INCOME TAX TABLES 380
APPENDIX FIVE ASSET QUESTIONNAIRE 381
APPENDIX SIX SAMPLE EMPLOYEE CENSUS FOR RETIREMENT AND OTHER BENEFITS PLANNING 383
INDEX 385
