Unlimited creditor exemption for CA residents on retirement assets.
CA CCP §704.115 exempts assets in a properly-designed 'private retirement plan' from creditors — with NO dollar cap (unlike ERISA plans). Requires actuarial design, exclusive retirement purpose, and non-diversion. Court-tested and upheld. Only works for CA residents; critical for CA physicians/developers with liability exposure.
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Borrow against cash-value life insurance at guaranteed rates.
Deduct 60–80% of working-interest investment in year 1.
Insure your own business risks — premiums are deductible.
Hedge funds + alternative assets inside a tax-free wrapper.
Sell appreciated assets tax-free + get lifetime income + charitable deduction.
Deduct now at FMV, grant to charity later — skip cap gains.
Lock in the $13.6M estate exemption before 2026 sunset.
Transfer appreciation to heirs with near-zero gift tax.