Terms of use

IMPORTANT — PLEASE READ This service provides general educational information about tax, estate, and asset-protection concepts. It is not legal, tax, investment, insurance, or accounting advice, and it is not a recommendation to take or avoid any action. • No professional relationship. Using this service does not create an attorney-client, accountant-client, fiduciary, or investment-advisory relationship. The publisher is not acting as your lawyer, CPA, enrolled agent, or registered investment adviser. • General, not personal. Results are produced by automated rules and an AI assistant applied to the limited facts you entered. They can be incomplete or wrong, and they cannot account for facts you did not provide. • Law changes and varies. Tax and asset-protection law changes frequently and differs significantly by state. Figures are stated for a specific tax year and may be outdated. Items marked "[verify]" were not confirmed against a primary source. • Not for use against existing creditors. Asset-protection planning must be done before any claim arises. Transfers made to hinder, delay, or defraud a creditor can be reversed and can carry civil and criminal consequences. If you have a pending or threatened claim, consult an attorney before moving any asset. • No penalty protection. This information cannot be relied on to avoid tax penalties. Only written advice from your own qualified professional, based on your complete facts, can provide that. • Do your own review. Before implementing any strategy, have it reviewed by a licensed CPA and an attorney in your state who know your full situation. By continuing, you confirm you understand and accept these terms.