How much could you lose by not having an asset protection strategy?

In a world filled with lawsuits, divorces, and medical emergencies, your high income isn't enough to protect what you've built.

Many successful professionals—doctors, lawyers, entrepreneurs—believe that having a healthy bank account and properties in their name guarantees stability. But the reality is different: High incomes also come with high exposure to legal and financial risks. Without an asset protection strategy, you can lose in months what took decades to build.

Real-life examples and key statistics

Legal claims against professionals

More than 50% of U.S. physicians will face at least one lawsuit during their career. -Source: American Medical Association (AMA), AMA Report: Medical Liability Trends

Divorces and loss of assets.

A divorce without a prenuptial agreement can result in the loss of up to 50% of assets. The Puerto Rico Civil Code establishes community property as the default regime in marriages, which entails sharing all assets acquired during the marriage. This can occur after a divorce without a prenuptial agreement.

Medical emergencies and bankruptcy.

In Puerto Rico, more than 60% of personal bankruptcies are related to unexpected medical expenses. — Bankruptcies are skyrocketing in Puerto Rico. Microjuris Daily by Daniel Rivera Vargas August 1, 2023

Absence of protective structure

Not having structures such as trusts, Buy-Sell Agreements, or adequate accumulation products leaves your assets vulnerable.

The difference of having a plan

A well-structured protection plan can protect your home, accounts, and business from litigation, lawsuits, and claims. Setting up a vehicle such as an Irrevocable Trust, along with professional liability insurance and a cash-value life insurance policy, can help protect your assets in the event of a malpractice lawsuit.

Having money doesn't make you invulnerable; having a strategy does. The time to protect your assets isn't during a crisis, but before.