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Can I Achieve Asset Protection After Lawsuit Is Filed?

Posted on: September 2, 2022 at 5:48 am, in

One question we often encounter is related to the topic of asset protection after lawsuit is filed. We’ve all heard and understand the adage of timing being everything, and this certainly applies to the matter of asset protection after lawsuit is filed. In some cases, asset protection can be managed even when a creditor has already filed against you, but then you have to watch out for issues related to fraudulent transfers.

asset protection after lawsuit is filed

Asset Protection after Lawsuit is Filed Can be a Success

The whole idea behind how to protect assets from lawsuits is based on establishing legal structures that make it difficult, if not impossible, for creditors, plaintiffs, gold diggers, and assorted opportunists to come after your assets. These uncompromising legal strategies don’t eliminate the risk of fraudulent transfers even when you seek asset protection after lawsuit is filed. These strategies become even more effective when in place for at least four years. If you feel that a lawsuit could be brewing because there is already friction and conflict with creditors, individuals, or business entities that could become plaintiffs, the time to act is now. Solid asset protection instruments need to be structured, written, executed, funded, and managed correctly in order to be effective. 

In the highly litigious and adversarial American legal system, it is too easy for just about anyone to file a lawsuit to claw at your assets these days. You can say many things to highlight the shortcomings of the legal system in the United States, but you cannot accuse it of being unfriendly to prospective plaintiffs; this is why it is important to learn how to protect assets from lawsuits. As to whether it is possible to establish asset protection after lawsuit is filed, the answer is yes, but that is full of caveats.

The Problem With Asset Protection After Lawsuit is Filed: The Anderson Case

You may have heard about legal strategies that involve setting up trusts in offshore jurisdictions for the purpose of safeguarding assets. Law firms that offer these services often mention jurisdictional advantages such as privacy, flexibility, and a conservative judicial system that favors offshore trusts; all this is true, but it will not necessarily provide asset protection after lawsuit is filed. Let’s explain why. If you have been served with lawsuit papers and attempt to set up an offshore trust, you may be entering the treacherous territory of fraudulent transfers. You cannot just give away your assets without getting paid market value for them and expect to be protected – even if you give it to an offshore entity.

Attorneys whose advice to set up offshore trusts in a late-stage situation after a lawsuit has been filed are doing their clients a disservice by putting them at high risk if they don’t include a solution for fraudulent transfers. What these lawyers fail to mention is: beyond the fact that offshore trusts are expensive to create, you must rely on a trustee you will never meet in person, and are expensive to maintain (costs average $5-10,000 to maintain every year due to the new patriot act and subsequent banking acts requirements to help the IRS get those tax evaders), there are bigger problems with going offshore and most attorneys miss the big issues right here in the United States: Fraudulent Transfers.

For example, Federal Trade Commission v. Affordable Media, LLC 179 F.3d 1228 (9th Cir. 1999), which in legal circles is known as the Anderson case. Denyse and Michael Anderson were determined to be in contempt of civil court in a case whereby U.S. prosecutors sought to repatriate assets stashed in a trust in the Cook Islands that were given away without full payment (fraudulent conveyance). Due to these fraudulent transfers, Mr. and Mrs. Anderson were thrown in jail and were only released after they agreed to cooperate with the FTC for the purpose of unveiling the offshore trust. The FTC argued that the couple had engaged in fraudulent transfer practices, thus the court found them to be in contempt, resulting in jail time.

When formulating how to protect assets from lawsuits, the issue of fraudulent transfers cannot be ignored or glossed over; 80% of the time asset protection strategies get unwound due to the fraudulent transfers issue. Under certain conditions, fraudulent transfers can even make a civil lawsuit turn into a criminal investigation. Conveying your assets to an offshore trust is not an illegal action by itself per se; however, it does not do much in terms of absolving you from a potential determination that fraudulent transfers may have taken place as part of your asset protection efforts.

Let’s say you own California real estate that you want to pass onto an offshore trust. If a creditor files a lawsuit that mentions the California properties were transferred without proper consideration (i.e. payment at market value), the court will very likely consider this to be a textbook example of fraudulent transfers. A California judge will, in fact, have jurisdiction over the properties in California and if you didn’t get a fair price within 4 years of the lawsuit, will unwind the gift to the offshore trust.

fraudulent transfers and gifts

Giving gifts to a Trust are fraudulent transfers

You have to admit that conveying a California home into a trust formed in the Cayman Islands makes no sense when you give it away for free and are facing legal action, and this is part of the complexity related to asset protection after lawsuit is filed. Don’t let the geographic location of the trust trick you into a false sense of security; while the trustee’s office may be in a tropical paradise, the property remains in California and the transaction can still get clawed back (unwound) by the court if you did not receive fair market value for the property and 4 years did not pass.

What the Law Says About Fraudulent Transfers: The Fink Bridge Trust Case

You may think that fraudulent transfers can only be detected when trying to achieve asset protection after lawsuit is filed, but this is not the case. When evaluating fraudulent transfers, American judges refer to the Uniform Fraudulent Transfer Act, which establishes what can be considered a fraudulent conveyance.

Fraudulent transfers can happen before or after creditors take legal action. If the court determines intent to defraud, delay, hinder, a potential judgment, you could be facing more than just civil liability. As previously mentioned, there is even a risk of having to deal with criminal liability because some fraudulent transfers may qualify as misdemeanor or felony offenses.

Some law firms have attempted to get creative with so-called “bridge trusts” that begin with establishing a domestic trust in American jurisdiction followed by a transfer of assets to an offshore trust. Such was the case in Indiana Investors v. Victor Fink, No. 12-CH-02253, where the domestic trust was formed in Illinois and its offshore counterpart was in the Cook Islands, the same jurisdiction in the Anderson case. In this particular case, the plaintiffs prevailed to the point of freezing Fink’s bank accounts, and they even convinced the court to block asset transfers to the offshore entity because such an action would be tantamount to fraud.

When you attempt to establish asset protection after lawsuit is filed, you will typically find a hard time trying to retain a law firm to represent you. Attorneys who are familiar with how to protect assets from lawsuits will rarely take on clients whose cases look like they are headed towards negative outcomes such as judgments. We are talking about scrupulous attorneys who think about raising defenses against fraudulent conveyance claims; they know that courts look at the “badges of fraud” legal doctrine, which is comprised of the circumstances surrounding suspicious transactions.

Even though jail time was not ordered in the Fink case, it stands as a solid defeat of the bridge or passage trust mostly due to fraudulent transfers. You can find offshore trust defeats by the dozen in U.S. case law; some examples involve high-profile respondent such as corporate raider Paul Bilzerian, whose life reads like the script of the 1987 film “Wall Street” directed by Oliver Stone. In SEC v. Bilzerian, 131 F. Supp. 2d 10 (D.C. 2001), the debtor refused to cooperate with the government’s motion to repatriate assets held in a trust also formed in the Cook Islands. Bilzerian’s status changed from civil case respondent to criminal defendant, and he was ultimately ordered to spend 48 months in a federal prison.

Once again, if you walk into the offices of a law firm that promises asset protection after lawsuit is filed, there is a good chance that they will try to steer you towards offshore trusts. As previously explained, this does little to avoid falling into fraudulent transfers problems. Such law firms may just bill you for their lectures about offshore trusts and will draw the line at actually handling the process for you because they do not want to break the law with the actual transfers.

how to protect assets from lawsuits

How to protect assets from lawsuits doesn’t necessarily mean electronically transferring to the Cook Islands

Filing for bankruptcy may appear to grant some level of asset protection after lawsuit is filed, but not too much; the only advantage is that bankruptcies are perfectly legal court proceedings that unfold in the public eye, and they do not fall into the badges of fraud category. While bankruptcies are one option to consider when asset protection after lawsuit is filed, they are also harsh remedies; they are not a good example of how to protect assets from lawsuits, and they are subject to court approval. You also have to be careful with bankruptcy proceedings as lawsuit remedies. In SEC v. Brennan, 230 F.3d 65, 2000, a case involving an offshore trust in Gibraltar, the debtor was ultimately convicted of bankruptcy fraud.

Offshore trusts are not looking good for other reasons. In recent years, the Panama Papers and Paradise Papers document leaks have cast a negative shadow on the use of tax havens for asset protection. There is also the fact the Trump administration has effectively pressured American technology giants such as Apple and Google to stop using offshore jurisdictions in order to reduce taxation.

Before we get into discussing how to protect assets from lawsuits, let’s get some perspective from a couple of high-profile civil cases currently unfolding in court:

Phil Collins v. Orianne Cevey

Pop music superstar Phil Collins is known for his numerous Billboard hits as well as for his drumming prowess with the legendary British rock band Genesis. Fans of Collins also know about his tumultuous relationship with Orianne Cevey, to whom he ended up ceding nearly $47 million as part of an acrimonious divorce finalized in 2008. In recent years Cevey and Collins after she divorced a Miami-based investment banker, and they moved into Collins’ opulent South Florida mansion.

In the midst of the coronavirus pandemic of 2020, Collins was busy arranging a Genesis reunion concert tour when he started going through serious relationship problems with Cevey. Things got really ugly when she told Collins that she was going on an August business trip to Las Vegas, when in reality she left to marry another man. It is not clear whether Cevey actually spent her honeymoon at Collins’ mansion; what has been reported, however, is that he ordered her to get out.

Instead of leaving, Cevey entrenched herself in the mansion and changed the security codes to lock Collins out. She threatened to leak salacious information about Collins to the tabloids, but the cherry on top was that she warned him a lawsuit was forthcoming. As of late October, Collins was going through the motions of an eviction complaint against Cevey.

While the above is certainly an unpleasantly scandalous ordeal for Collins, he does not have to worry about Cevey going after financial assets destined to his two children because they are the beneficiaries of an irrevocable trust dating back to the 1980s. Through this trust, Collins enjoys asset protection after lawsuit is filed, thus Cevey cannot touch any of the funds going to his children. Collins learned how to protect assets from lawsuits when he was living in Canada at a time when his multi-platinum solo albums were selling all over the world; he has faced a string of lawsuits ever since, but none of them have been able to claw at the benefits his children are entitled to through the irrevocable trust.

The Piet Mondrian Paintings

Pieter Cornelis Mondrian is considered to be one of the most influential artists of the 20th century. During World War II, the Third Reich went after Mondrian because they wanted to get their hands on his extremely valuable abstract paintings; this was part of a Nazi strategy to pillage masterpieces they could later sell or trade for substantial cash and influence through fraudulent transfers. Mondrian had a very good friend in Harry Holtzman, an American abstract painter who helped him collect as much of his work as possible and escape to New York City, where Mondrian passed away before the war came to an end.

Mondrian left his entire estate to his friend Holtzman, who in turn bequeathed everything to his children. Under the advice of attorneys who specialize in how to protect assets from lawsuits, the Elizabeth McManus Holtzman Irrevocable Trust was established, and this is where all of Mondrian’s paintings were legally transferred.

Fast-forward to October 2020: Four Mondrian paintings worth millions of dollars are part of the Kunstmuseen Krefeld collection, but the Holtzman heirs want them back, and they have filed a lawsuit to this effect. Mondrian loaned the four paintings in question to the German museum in 1929, four years before Hitler seized power. The paintings were supposed to be returned after a few exhibitions, but the museum director passed away. With the Nazis running Germany and making their nefarious plans, the paintings went through a series of fraudulent transfers, but clumsy SS officers lost track of them.

The Holtzman Irrevocable Trust has established ownership of the paintings and is now suing for the return because of wrongful possession. Legal analyst who follow the art world think that the Holtzman heirs have a pretty solid case because it is clear that the paintings were passed around through fraudulent transfers; moreover, they also believe that frivolous plaintiffs and legal predators will have no chance of trying to claim ownership of the paintings once they are returned. This is a perfect example of how to protect assets from lawsuits; in fact, depending how the Holtzan Trust is structured, we may never know what other masterpieces it holds. We will explain how this works towards the end of this article.

Irrevocable trusts are the common denominator in the two aforementioned cases; if you want to learn how to protect assets from lawsuits, this is where you should start, and it is always better to do it sooner than later. We can now discuss the matter of asset protection after lawsuit is filed, but this is a situation that you really want to avoid. Even the best attempts at securing asset protection after lawsuit is filed routinely fall into the issue of fraudulent transfers and their inherent problems.

How to Protect Assets From Lawsuits: The Right Way to Do It

There is more than just avoiding badges of fraud when talking about how to protect assets from lawsuits. Shielding your assets from legal predators, scammers, overzealous creditors, and other unpleasant characters is the ultimate goal. Similar to the actions taken by Phil Collins in the late 1980s, you should not wait to achieve asset protection after lawsuit is filed. The time to do it is always now. In the dysfunctional legal system of the U.S., lawsuits are always on the horizon, which is why you should protect your assets now instead of later when plaintiffs start coming out of the woodwork.

A solid derivative financial instrument combined with Ultra Trust® Irrevocable Trust accomplishes is the way to go when thinking about how to protect assets from lawsuits. You do not have to park your assets in the Caribbean and rely on someone you’re never going to see in person, nor pay $5000-$10,000 annually to maintain it. Ideally, you want to establish this structure as early as possible prior to being served with lawsuit papers, this is the smart approach on how to protect assets from lawsuits because you will have the benefit of running out the clock on the statute of limitations.

The burden of ownership is often mentioned when figuring out how to protect assets from lawsuits. Creditors and plaintiffs can only come after assets that you legally own; an irrevocable grantor trust provides relief against this burden, but only if it is structured properly. The Ultra Trust provides superb asset protection thanks to the fiduciary duty it creates, which in turn protects you from falling into a fraudulent transfers trap. When it comes to wealth protection and estate planning that remains effective through generations, what you really want is the peace of mind that only Ultra Trust Irrevocable Trust can provide.

Whereas offshore trusts have been defeated time and again in U.S. courts, a properly structured, managed, and funded irrevocable trusts enjoy a solid record of asset protection that spans 150 years, and this can be achieved through a three-stage process even after a lawsuit has been filed:

1 – The trust is properly written.

2 – An independent trustee is appointed.

3 – Assets are transferred into the trust in a manner that avoids fraudulent transfers altogether.

Finally, here’s one more thing to know about asset protection after lawsuit is filed: If a creditor is going after a tiny fraction of your assets, reaching a settlement agreement after putting yourself into a position to negotiate, could be your best bet.

If you find yourself in a difficult situation, and would like to consult an expert to see if your situation can be helped and if we can address all of the issues to keep your head above water, call now (508) 429-0011.

5 Biggest Myths About Asset Protection and Your Small Business

Posted on: August 5, 2022 at 3:17 am, in

1. My business is separate from me.

Your business isn’t separate from you and your family unless you make it separate. You think that you are leaving your house and going to work, but really you’re not leaving anything. If you don’t make your business separate and treat it as separate, then it isn’t. If your business gets sued, you and your family will be sued and vice versa. Attorneys sue everyone with money in their name and ask questions later when they begin their fishing expedition AKA “discovery.” If they forget to sue a party with money they cannot go back and try again for the same issue.

2. An LLC will save me and my family from any problems with the business.

Great, you’ve made your business separate and created an LLC, but that doesn’t solve all of your problems. You see, there is something called, “piercing the corporate veil.” What this means is that if your business isn’t operating completely separate from your personal accounts and life, then a creditor can come after your personal assets by saying that your LLC is just a personal asset in costume. All of the books have to be in order and nothing can be paid from the business for personal use. Remember when your spouse called and asked you to get groceries and all you had was the company credit card? That could come back to haunt you. 98% of small business owners do this at least once and it is their downfall in a lawsuit.

3. Estate planning and business are two separate things.

They can be, but that wouldn’t be prudent. The business has to be run by someone if something happens to you. The business has to be kept going until it can be passed on to whomever you choose. Also, estate planning devices can add an extra layer of protection, so that your business is and stays separate from you personal assets.

4. If someone sues my business partner, that has nothing to do with me.

You would think so, but what if that person or entity takes part of your business and you effectively have a new unwanted partner? If you own an LLC with a partner, there are some protections called “charging orders” limit a partners creditor to only taking the assets that they would take home. Still, a savvy lawyer can get the courts to force the partner to sell his part of the business to pay the creditor. Then you have a new unwanted business partner anyway.

5. If none of my children want my business, it has to be sold.

Your business can keep going long after you are gone. Your business can be held and run and all the benefits can be passed on to your children or whomever you wish. The beneficiaries don’t even have to be involved…its your business and your rules, even if you aren’t around anymore and you set it up correctly.

What you can do to protect your assets:

First, if you haven’t guessed it, get the business away from your personal assets. Most entrepreneurs don’t think it will happen to them because their idea is the best thing since sliced bread, but the fact is that 80% of startups don’t last 5 years. Don’t let a failed business ruin your family or life savings. You need to form an LLC, but you need to form one that is all-but-immune to “veil piercing.” You can do that by not owning your LLC. The way to work for and control an LLC without owning it is to have an Irrevocable Trust, that is built for this kind of protection like the UltraTrust, own it. If the anyone tries to “pierce the corporate veil,” they aren’t going to end up in your personal bank accounts, they are only going to end up being in trust. That’s the advantage of using what is traditionally an estate planning device to protect you and your family.
If both you and your partner place all the shares of the LLC in the trust and work for the LLC, if one of you are sued or goes into debt, then there is not share for the debtor to take over. The debtor may be able to garnish some wages, but various states only let them take so much. The other partner still doesn’t have to worry about getting an unwanted creditor as a partner.
So, by now, you probably guessed how to keep the business going after you are gone. A solid Irrevocable Trust like the UltraTrust will work. You put in a business savvy trustee to oversee the trust assets. That trustee makes sure that there is good management in place in the business and then “sprinkles” assets to your children or beneficiaries as they need them. All the while, the main asset is safe in the trust. The trustee even has instructions not to pay debts or court judgments, and the beneficiaries don’t own the LLC or the trust, so the LLC and accompanying assets are safe.
The combination of the UltraTrust and an LLC can protect both your family and your business and keep things running smoothly long after you are gone.
Protect your assets for yourself and your children and beneficiaries and avoid tax dollars. Assets can be protected from frivolous lawsuits while eliminating your estate taxes and probate, and also ensuring superior Medicaid asset protection for both parents and children with our Premium UltraTrust Irrevocable Trust. Call today at (888) 938-5872 for a no-cost, no obligation consultation and to learn more.
Rocco Beatrice, CPA, MST, MBA, CWPP, CAPP, MMB – Managing Director, Estate Street Partners, LLC. Mr. Beatrice is an “AA” asset protection, Trust, and estate planning expert.

Revocable vs. Irrevocable Trust Advantages

Posted on: May 14, 2022 at 7:35 am, in

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Here we examine the differences of revocable vs. irrevocable trust advantages. If you reposition (transfer) your assets through the use of an IRREVOCABLE TRUST, you will no longer own them. If you don’t own assets, no one will want to sue you; no one will want to track your spending habits; no one will call you to interrupt your dinner. You don’t have to go offshore. US Laws, US courts will defend and support your asset protection system. These laws have been defined by thousands of court cases, over and over, right up to the Supreme Court. Hence, our analysis, based on court cases, revocable vs. irrevocable trust advantages. You must however, give-up control over your assets to a true independent trustee.

Revocable vs. Irrevocable Trust Asset Protection   Learn the 3 core secrets to uncompromising asset protection by clicking here

Legitimate repositioning (transfer) of assets from you to an irrevocable trust is perfectly legal. The fact is, if your assets are owned by a subchapter S. Corporation or a Limited Liability Company and in turn the shares of the Sub S or membership units of the LLC are owned by an irrevocable trust, it’s the fortress of US Asset Protection. The ultimate asset protection device is the use of an offshore asset protection trust.
The following financial grid explains the major differences between revocable vs. irrevocable trusts:
Asset Protection ABSOLUTELY NO Asset Protection. NONE. The Grantor, The Trustee, and the Beneficiary are generally the same person. The Grantor did not give-up control of the asset(s). YES. The Grantor no longer owns the assets. Assets have been transferred to the INDEPENDENT Trustee who has a fiduciary duty to manage the assets for the benefit of all beneficiaries, which may include the Grantor.
Eliminate Probate YES YES
Eliminate Estate Taxes NO YES. Assets are not subject to the Estate Tax. The deceased did not “own” the assets or have assets in his possession at the time of his death.
Defer / Reduce Capital Gains Taxes NO YES. Assets transferred to the Trust can be structured without capital gains taxes.
Defer / Reduce Income Taxes NO YES, if combined with international structure.
Form 1040 income tax benefits YES. You have done nothing. You still “own” the assets. All Income and Expenses flow-through to the Grantor’s form 1040. YES. If this is a Grantor-Type Trust, for income tax purposes, all income and expenses flow-through to the Grantor’s form 1040.
Comments: The Revocable Trust is designed to eliminate probate. DOES NOT eliminate estate taxes; ABSOLUTELY NO asset protection. The Revocable Trust is nothing more than an extension of your will. For asset protection purposes the trust is irrevocable. Under certain conditions, the trust can be designed to be a pass-trough trust for income taxes.

The Revocable Trust (Revocable Living Trust):

What’s wrong with a revocable trust (revocable living trust) is that the owner of the assets (the Grantor) retains too much power over the disposition of the trust assets. This direct control nullifies any defenses against potential frivolous lawsuits. His deemed control is equivalent to ownership, and if you still own the asset you are liable to lose them in a lawsuit. And if you own the asset you will incur an estate tax.
The laws of most states permit the formation of a variety of revocable trust instruments (AB “Family” Trust, QTIP Trust, Crummey Trust, Retained Interest Trusts such as GRITS, GRATs, GRUTs, and QPRT), whereby the trust creator (Grantor) contributes assets for the benefit of others to be managed by a Trustee. While it is also possible for the creator to be either the Trustee or a Beneficiary of the trust he or she has created, such dual capacities will usually destroy the trust’s ability to shelter its assets from creditors of the Grantor. When a Grantor reserves an unqualified power of revocation, he or she is deemed the absolute owner of the trust property, as far as the rights of creditors are concerned. This is true even if a Grantor of a trust does not retain a beneficial interest in the trust, but simply reserves the power to revoke it.

The Revocable vs. Irrevocable Trust Advantages:

Unlike a revocable trust (revocable living trust), assets transferred to an “irrevocable” trust cannot be changed or dissolved by the Grantor once it has been created. The Grantor no longer owns the assets. An independent Trustee is your best defense. With an independent trustee, you generally can’t remove assets, change beneficiaries, or rewrite any of the terms of the trust. An irrevocable trust is a valuable estate-planning tool. First, you transfer assets into the trust-assets you don’t mind losing control over. You may have to pay gift taxes on the value in excess of $1million of the property transferred at the time of transfer or you may be able to set-up a mock sale by using a device known as a private annuity to avoid capital gains taxes.
With an irrevocable trust, all of the property in the trust, plus all future appreciation on the property, is out of your taxable estate. That means your ultimate estate tax liability may be less, resulting in a more tax efficient way to transfer your accumulated wealth to your beneficiaries. Property transferred to your beneficiaries through an irrevocable trust will also avoid probate. As a bonus, property in an irrevocable trust may be protected from your creditors. Of late this irrevocable trust device is being utilized by many planners for avoiding the Medicare nursing home spend-down provisions whereby if the elderly has to enter a nursing home he must first spend all his money until he does not have any money left.

Revocable vs. Irrevocable Trust Advantages

Independent Trustee:

A quick word about the independent trustee: most people don’t like to give up control over their assets because of their perceived notion that giving up control is equivalent to leaving the wolf in charge of the hen house. The law imposes strict obligations and rules on trustees including a duty to account for any benefits the trustee may have gained directly or indirectly from a trust. This goes beyond fraudulent abuse of position by a trustee.
The courts regard a trust as creating a special relationship which places serious and onerous obligations on the trustees. The law regards the special “Fiduciary” relationship of a trust as imposing stringent duties and liabilities on the person in whom confidence is placed – the trustees – in order to prevent possible abuse of that confidence results in a major difference in the revocable vs. irrevocable trust advantages. A trustee is therefore subject to the following rules:
  • No private advantage – A trustee is not permitted to use or deal with trust property for direct or indirect private advantages. If necessary the court will hold him personally liable to account for any profits made in breach of this obligation.
  • Best interests of beneficiaries – Trustees must exercise all their powers in the best interests of the beneficiaries of the trust.
  • Act prudently – Whether or not a trustee is remunerated he must act prudently in the management of trust property and will be liable for breach of trust if, by failing to exercise proper care, the trust fund suffers loss. In the case of a professional, the standard of care which the law imposes is higher. Failure to exercise the requisite level of care will constitute a breach of trust for which the trustee will be liable to compensate the beneficiaries. This duty can extend to supervising the activities of a company in which the trustees hold a controlling interest.

Revocable vs. Irrevocable Trust Advantages: The Legal safeguard of an irrevocable trust:

In cases of substantial assets, you may add one other safety measure, “the Trust Protector.” The trust protector’s sole function is to hire and fire trustees, at will and without explanation. We use limits on how much a trustee can be authorized to spend without a second signature.

Protect your assets for yourself and your children and beneficiaries and save on tax dollars and learn the revocable vs. irrevocable trust advantages. Assets can be protected from frivolous lawsuits while eliminating your estate taxes and probate, and also ensuring superior Medicaid asset protection for both parents and children with our Premium UltraTrust® Irrevocable Trust. Call today at (888) 938-5872 for a free consultation and to learn more.
Top 6 Reasons Why Ultra Trust® Offers Superior Benefits of any Irrevocable Trust

English News: Latest Reports, Breaking News, Live Updates

Posted on: February 8, 2022 at 5:42 pm, in

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Tak, na stronach internetowych BetClic. pl oraz eFortuna. pl można oglądać bezpłatne transmisje online. Każde mecze, które udostępniają wyszczególnione firmy możemy oglądać całkowicie za darmo. Firmy bukmacherskie, których transmisje udostępniamy na naszej stronie przedkładają tysiące transmisji internetowego za darmo w każdym miesiącu. Najpopularniejszą platformą na której to można oglądać mecze online darmowo jest serwis internetowy Tele-wizji Polskiej, który dostępny jest którego adres to Sport. tvp. pl. Trzeba jednak pamiętać, hdy oferta transmisji sieciowy za free jest ograniczona.

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Musimy posłużyć się z oferty, ustanowić, zweryfikować i aktywować konto. Wtedy też oferowane nam za sprawą kasyno darmowe pieniadze na start bez depozytu powinny szybko znaleźć się na naszym własnym saldzie. To, ile dostaniemy na rozpoczęcie, zależy od propozycje przygotowanej przez kasyno. Kiedy odbieramy w kasynie taki bonus, koniecznie musimy zweryfikować jego warunki. W jednym miejscu posiadamy możliwość bonusowe środki oddać na wszystkich rozrywkach z oferty. Przy innym jednak tego rodzaju bonus może zostać przeznaczony tylko pod zakłady na slotach, grach stołowych, w żywo, czy specyficznych producentów.

Nie da się jednak ukryć, że w dużej ilości przypadków mamy styczność z dwiema ofertami, które mają na rzecz nas darmowe kasyna bez depozytu. Jak już pisaliśmy przedtem, można dzięki czemu liczyć na od kilkunastu do kilkudziesięciu spinów na wybraną grę czy też malutką sumę w € bądź złotówkach. Bez wątpienia takie bonusy odróżniają się między sobą nie tylko wysokością rekompensaty powitalnej, lecz również warunkami obrotu. Teraz dlatego pokażemy, czym cechują się poszczególne rodzaje bonusów bez depozytu. Bez dwóch zagadnień uważa się, hdy warto korzystać pochodzące z każdych promocji owego typu, ponieważ nie narażają one gracza na żadne ryzyko i straty.

Automaty Do Gry Pod Pieniądze Online

Tu podobnie oczywiście bonus ma w pewnym znaczeniu termin ważności oraz warunki obrotu. Kasyno bez depozytu – jak sama tytuł wskazuje, ma zapewniać zabawę bez uiszczania wpłaty. Osoby, które zdecydują się w rejestrację, będą zdołały odebrać specjalny bonus na start, bez wymogu pierwszego depozytu. Darmowe spiny to jedna ze specyficznych form zachęcania świeżych graczy do danego kasyna, gdyż wycelowana jest bezpośrednio do miłośników gier na automatach.

Użytkownik w ten sposób otrzyma obszerny oraz dokładny pogląd na sytuację oraz sprawdzi, który serwis najkorzystniej odpowiada jego wyłącznym wymogom. Wszystko zostało przedstawione w taki sposób, że gracz sam może zbadać, obowiązujące standardy. Fachowi recenzenci wiedzą uważnie, czego doszukiwać się w dowolnym kasynie. Dzięki temu są w stanie przedstawić rzetelną recenzję, która zawiera drobiazgowy opis wszystkich nadrzędnych aspektów działania portalu. Najczęściej organizatorem ofert bez depozytów będą nowe kasyna na rynku.

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Musimy jednakże nieco uspokoić nastroje, gdyż kasyno wraz z bonusem na start bez depozytu de facto nie rozdaje zero za darmo. O ile dostajemy darmowy premia na konto, jest to jest on obarczony dodatkowymi warunkami. Tylko spełnienie wszystkich z nich sprawi, że będziemy mogli środki wypłacić z konta.

Po zweryfikowaniu adresu e-mail możemy się zalogować oraz rozpocząć oglądanie darmowej transmisji online w ekranie komputera bądź urządzeń mobilnych. Na początek należy przejść do serwisu eFortuna. pl jak i również założyć konto gracza. Aby tego zrealizować należy wypełnić krótki formularz rejestracyjny. Po potwierdzeniu rejestracji należy wybrać mecz wraz z listy i nacisnąć przycisk „play”, jaki uruchomi live stream online.

Jak Grać Po Kasynach Online Pochodzące Z Bonusem Za Rejestrację Bez Depozytu 2023

Automaty od tegoż producenta są kochane przez Polaków, dlatego też znalazł się on na takiej liście. Posiada rozrywki wideo, a na dodatek oferuje wysokie bonusy i częste wygrane. Dbając o różnorodność i kompleksować ogłoszenia, w Vulkan Vegas Casino współpracujemy z mnóstwem dostawców oprogramowania do konsol hazardowych. Pośród tych propozycji pojawią się najwybitniejsi i najzdolniejsi autora gier hazardowych sieciowy. Czasem organizowane będą turnieje świąteczne, an innym razem turnieje na sloty konkretnego producenta. Dlatego również do każdego turnieju przypisujemy dokładny jak i również przejrzysty regulamin, wraz z którym warto się zapoznać.

Kasyna online wyjąwszy depozytu bardzo się starają, aby spełnić wymagania każdego gracza, źlę też aby zaprzepaścić taką okazję. Należałoby jest więc skorzystać z usług chociaż jednego z tego rodzaju kasyn, aby się przekonać, że wydaje się to dobra sugestia. Oznacza to, że w każdym czasie i w wszelkim miejscu możesz zapożyczyć do ulubionego kasyna online po własne gry. Nic Ciebie już nie blokuje poza posiadaniem dotarcia do Internetu. Po wybranym przez mojej dziurki kasynie online możesz zrobić wszystko, jakie możliwości tylko zapragniesz oraz będziesz rozwijać swej hobby hazardowe.

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W ostateczności nasze polskie kasyno online jest masywne i wiarygodne u dołu każdym aspektem. Sprawa hazardu w Kraju nie jest atrakcyjna, ponieważ rządzący chcą utrzymać monopol na rynku, umożliwiając oferowanie gier hazardowych online wyłącznie jednej firmie — Total Casino. Z kolei dotyczy to jedynie miejsc, gdzie realna jest gra na prawdziwe pieniądze.

Wydaje się to pewnego rodzaju okres testowy, poprzez którym gracz jest w stanie podjąć decyzję na temat dalszych losach dopiero co zarejestrowanego konta do odwiedzenia gry. Niektóre kasyna nie pozwalają dzięki rozgrywkę w testowe wersje gier bez rejestracji. W ów celu należy zaplanować darmowe konto dzięki wybranej stronie bądź korzystać z serwisu udostępniających darmowe kategorie demonstracyjne bez rejestrowania się i logowania.

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Grając przy kasynach internetowych pod pewno spotkałeś się z różnymi rodzajami promocji. Jedną pochodzące z nich, uwielbianą poprzez graczy, jest nadprogram bez depozytu. Obecnie taki bonus wyszukać można w konkretnym z najpopularniejszych kasyn w naszym kraju – mowa w tym miejscu o Ice Casino bonus.

Hamuje się do tradycyjnych symboli Wild i Scatter, ewentualnie także funkcji hazardowej. Jeżeli lubisz wielość dodatków specjalnych, ten rodzaj gier nie stanie się dla Ciebie najważniejszym rozwiązaniem. Na tejże stronie znajduje się ogromna lista przedstawiająca darmowe automaty do gry online, które możesz wypróbować całkowicie bezpłatnie. Ten typ rozgrywki charakteryzuje się tym, że po żadnym momencie odrzucić ryzykujesz swoich gotówki, ponieważ z samej definicji gry istnieją całkiem darmowe.

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Rejestracja jak i również potwierdzenie e-mail – bardziej skomplikowany warunek, który poza założeniem konta wymaga również potwierdzenia wprowadzonego adresu zamieszkamia mailowego. Celem wykonania warunków wystarczy kliknąć w link aktywacyjny otrzymany w informacji po rejestracji. Szczegółowo sprawdzaj szanse w wygrane poprzez wiarygodność promocji. Na naprawdę postawione pytanie nie można odpowiedzieć jednoznacznie. Obok wpłacaniu depozytu upewnij się, iż otrzymasz bonus powitalny. Koniecznie zapoznaj się także z regułami przyznawania innych bonusów.

Zdołasz wybrać losowe kasyno, a my przebywamy pewni, że będziesz zadowolony. Duża liczba kasyn tego gatunku sprawia, że cechująca je właściciele muszą się dodatkowo postarać, by zadowolić swoich zawodników. Właśnie dlatego zaopatrują się w wielką kolekcję gier, pochodzące z których można każdego dnia korzystać, mają ów kredyty również ekscytujące bonusy, którym trudno wydaje się być się oprzeć. Na rynku trudno się wybić, więc tego rodzaju strony muszą mieć coś, co sprawi, że pozostaną one bardziej nadzwyczajne. Na naszym serwisu możesz zagrać we wszystkie dostępne rozrywki hazardowe bezpłatnie automaty bez rejestracji oraz logowań.

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Gry te nie proponują dużej liczby funkcji specjalnych, z kolei z pewnością mają w sobie coś, co sprawi, hdy rozegrasz na wymienionych przynajmniej kilkadziesiąt rund, oczekując wygranej. Wideo automaty to obecnie jedne z najbardziej popularnych slotów 777. Własna popularność zawdzięczają nim, że są one najbardziej zaawansowane technologicznie, graficznie oraz muzykalne. Są to najnowsze automaty i pomimo że czerpią wraz z klasyki, nie nawiązują do niej tak bardzo bardzo, jak pozostałe typy. Automaty do gier wideo posiadają różne motywy i tematy, producenci przewyższają się w pomysłach i tworzą bardzo atrakcyjne sloty, które to przyciągają bardzo mnóstwo graczy. Automaty do odwiedzenia gry za darmo to stosunkowo zwyczajne maszyny, natomiast na rynku, dostępnych wydaje się być wiele rodzaju tychże pozycji.

Zabawy na pieniądze bez depozytu są do kupienia całkowicie za bezowocnie, wystarczy wybrać grę, która wpadła naszemu portalowi w oko jak i również rozpocząć swoją historię z nią. Zabawy na pieniądze za pośrednictwem Internet to nie wydaje się być błaha sprawa, dlatego każdemu graczowi, w szczególności początkującemu, polecamy nasz wortal internetową. Jak wskazano powyżej, zarówno międzynarodowy rynek gier hazardowych oraz kasyn internetowego, jak i giełda Polski są niezwykle szybko i żywiołowo rozwijające się. Pod początek będziesz zobligowany ukończyć procedurę rejestrowania się w wybranym kasynie online. Powinno się jednak przyznać, że wersje wirtualne w wyższym stopniu przypominają pozycje w żywo, ponieważ posiadacze takich kasyn czynią wszystko, aby zawodnicy poczuli się naprawdę, jak gdyby tam byli. Do tamtego celu wykorzystuje się specjalną technologię VR, najczęściej wymaga to zakupienia odpowiednich gogli.