Fund an irrevocable trust in NV/SD/DE/AK/WY and remain a discretionary beneficiary — creditors can't reach it after seasoning.
20 states now permit Domestic Asset Protection Trusts (DAPTs), which reverse the common-law rule that self-settled trusts get no protection. Fund an irrevocable trust in a DAPT jurisdiction (NV, SD, DE, AK, WY, OH, MO, others), name yourself as discretionary beneficiary, install an independent trustee. After a state-specific seasoning period (2 years in NV, 4 in DE) with no fraudulent transfer, assets are shielded from future creditors while you retain access. Best for professionals/business owners with $500K+ liquid assets pre-liability.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Wyoming holding LLC (anonymous, charging-order sole remedy) owns operating LLCs — creditors can't seize equity.
Nevada LLC = charging order sole remedy + no income tax + strong anonymity via nominee manager.
One master LLC + unlimited protected sub-series — each property isolated, one annual fee.
Self-settled irrevocable trust in NV/SD/DE/AK — creditor exposure eliminated after 2-year statute.
Cook Islands trust — the gold standard offshore asset protection; U.S. judgments not recognized, 1-year statute.
Nevis LLC — $100K bond required for creditor to sue + 1-year statute + no U.S. judgment recognition.
Encumber personal residence / rentals with friendly HELOCs / notes — appear equity-poor to creditors.
Married couples in 25 states can title assets so single-spouse creditors can't touch them.