Comprehensive Legal Solutions Tailored For You

Secure Your Legacy with Expertise

Secure Your Legacy with Expertise

Tailor-made strategies to safeguard your assets. Asset protection and estate planning, including integrated exemption planning.

Our Specialized Legal Services

Expert Guidance in Protecting Your Assets and Securing Your Legacy

Asset Protection

Shield your hard-earned assets against unforeseen adversities with our adept asset protection strategies, a cornerstone of financial assurance.

Integrated Exemption Planning

Maximize financial efficacy with our Integrated Exemption Planning services, ensuring a robust shield against liabilities while optimizing asset value.

Private Retirement Trust

Explore the innovative Private Retirement Trust (PRT) construction, a brainchild of Mr. Nichols, designed for effective wealth preservation and a secure retirement.

Estate Planning

Our comprehensive estate planning services are crafted to resonate with your unique circumstances, ensuring a harmonized transition of your legacy.

Business

Expert legal services for businesses: formation, compliance, contracts, and strategic planning. Your partner in navigating legal complexities.

Frequently Asked Questions

Straight answers about asset protection, private retirement planning, and estate planning in California.

Does a living trust protect my assets from a lawsuit in California?

No. A standard revocable living trust does not shield your assets from creditors or lawsuits. Because you keep the power to amend or revoke it, California treats the trust property as still yours, and a judgment creditor can reach it.

A living trust is a probate-avoidance and legacy tool, not an asset protection tool. Protection comes from a separate layer of planning: the statutory exemptions California law already gives you, applied deliberately. The most powerful of these is the private retirement plan exemption under California Code of Civil Procedure § 704.115, which is the foundation of the Private Retirement Trust®.

In California, asset protection works through statutory exemptions, not secrecy. State law exempts specific categories of property from creditor enforcement, including homestead equity, certain insurance and annuity interests, and, most significantly, private retirement plans.

CCP § 704.115(b) exempts “all amounts held, controlled, or in process of distribution by a retirement plan.” Integrated Exemption Planning is our process for mapping everything you own against every exemption you are legally entitled to, then restructuring what falls outside them. Timing matters more than technique: exemptions protect you when they are in place before a claim arises.

A Private Retirement Trust® is a California private retirement plan structured as a trust and designed to qualify for the creditor exemption in California Code of Civil Procedure § 704.115(b). It was developed by Dustin I. Nichols, JD, who has spent 30 years in estate and asset protection planning and co-authored Asset Protection Strategies and Forms.

Unlike an offshore structure, the PRT® is a domestic, California-law solution that relies on an exemption the Legislature wrote, not on distance or opacity. Its strength comes from being genuinely designed and used for retirement: properly documented, funded, and administered from the start.

The exemption under CCP § 704.115 is available to a person who establishes and maintains a plan that is genuinely designed and used for retirement purposes. Courts look at substance rather than labels.

A plan created primarily to defeat a creditor who is already on the horizon will not qualify. And not every retirement vehicle gets the same treatment: IRAs and self-employed plans under subsection (a)(3) are exempt only to the extent necessary to support the judgment debtor and dependents at retirement, while a qualifying private retirement plan under (a)(1) receives full exemption. Which side of that line you land on depends on design, documentation, funding discipline, and ongoing administration.

No. Offshore trusts and domestic asset protection trusts formed in states such as Nevada or Delaware depend on another jurisdiction’s law, and on whether a California court will apply it to a California resident holding California assets. That question remains unsettled.

A Private Retirement Trust® takes the opposite approach. It relies on a California exemption statute, applied to a California resident, argued in a California court. No foreign trustee, no offshore reporting burden, and no jurisdictional gamble. See how the PRT® works.

Once a claim exists, your options narrow sharply. Under California’s Uniform Voidable Transactions Act, a creditor can generally challenge a transfer for four years after it was made, or one year after it reasonably could have been discovered, with an outer limit of seven years (Civil Code § 3439.09).

Planning done while you are solvent and claim-free is planning that holds up under scrutiny. Planning done after a demand letter arrives usually does not. If you are in a profession or business with meaningful liability exposure, the right time to build the asset protection structure is before you need it.

For most California families, yes. Since April 1, 2025, estates under $208,850 can use a small-estate affidavit, and a decedent’s primary residence valued up to $750,000 can pass through a simplified court petition rather than full probate.

But a home in most California markets exceeds that ceiling, the simplified petition is still a court proceeding, and neither route addresses incapacity, blended families, tax planning, or creditor exposure during your lifetime. The higher threshold changes who avoids probate paperwork. It does not change who needs an estate plan.

It starts with a free consultation. We assess your current creditor exemption status using our proprietary Exemption Assessment Calculator (EAC), map your assets and liabilities against the exemptions available to you, and tell you plainly what fits your situation.

That may be a Private Retirement Trust®, integrated exemption planning, an estate plan, or a combination. You will leave the conversation knowing where you actually stand, whether or not you engage us.

Not sure which of these applies to you? Schedule a free consultation and we will tell you where you stand.

Get In Touch

We are here to provide the legal expertise you need. Fill out the form below to schedule a consultation and discuss how we can help secure your assets and plan for a prosperous future. Your journey towards comprehensive legal solutions begins here.

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