Are Your Assets Truly Protected? Discover the Power of Private Retirement Plans (PRPs)
For Californians building private equity, business interests, real estate, or other investments, Private Retirement Plans have quietly emerged as one of the most powerful and strategic tools for protecting and preserving wealth over the past decade.
Why are PRPs so effective? Because they can be structured as one of the strongest, safest, and most cost-effective planning solutions available. If you're serious about shielding your assets while securing your financial future, now is the time to act.
What Are Private Retirement Plans?
PRPs are uniquely protected under California creditor law, offering unparalleled exemptions:
✅ Creditor-Proof: Funds, distributions, and death benefits are exempt from lien, seizure, and lawsuits—whether in bankruptcy or creditor disputes.
✅ Wealth Preservation: Safeguard your assets, earnings, and future growth during accumulation and even after disbursement to you or your heirs.
✅ Financial and Asset Protection Benefits: Properly structured Private Retirement Plans (PRPs) can serve as a powerful tool for safeguarding assets while complementing your overall financial strategy. While PRPs are not designed primarily for tax advantages, they may contribute to financial efficiency through:
- Strategic Financial Planning: When paired with other tools, such as tax-efficient investments or structures, PRPs can play a role in optimizing financial outcomes.
- Wealth Preservation: By safeguarding retirement assets, PRPs ensure long-term stability and help protect generational wealth.
While PRPs themselves do not offer direct tax deductions or deferrals like qualified retirement plans, they can integrate with broader strategies that include tax-advantaged structures or vehicles.
Why Choose a PRP?
Safer: PRPs rely on exemption rights, not risky asset transfers or irrevocable gifts.
Stronger: Protection applies during your lifetime and beyond, ensuring a legacy for your heirs.
Cost-Effective: PRPs, when expertly designed, can save you money while shielding your assets from erosion.
How It Works: Key Components for Success
To ensure your PRP withstands legal scrutiny and maximizes its benefits, the following are essential:
- Purpose: It must be established primarily for retirement—not creditor evasion.
- Plan Design: Actuarial calculations must guide funding strategies.
- Trust Framework: Each participant requires a trust with clearly stated tax intentions.
- Independent Oversight: A qualified trustee and plan administrator are vital.
Take Action Today
We've partnered with the industry leader who are specialists in PRP administration, to provide:
- Comprehensive analysis of your funding options.
- Annual bench-marking to ensure compliance and maximum benefits.
- Future distribution testing to strengthen your plan's protections.
Don't leave your assets exposed. Use our calculator below to uncover the creditor and tax exemption protections you already have, those you may have forfeited, and strategies to safeguard your wealth from seizure, erosion, and loss.
Your future deserves protection. Start planning now.