When Your Assets Are Exposed, So Is Everything You’ve Worked For

It’s a mistake many successful individuals make: assuming that legal risk is only something business owners need to worry about.

But the truth? Owning assets makes you a target.

A single rental property. A second home. A growing investment account. These can all expose you to personal liability—whether it’s from a tenant injury, a car accident, or a personal guarantee gone wrong.

Even well-insured individuals can face legal claims that exceed coverage or create long, expensive court battles. And when your assets are in your name, they’re up for grabs.

That’s why more people are using LLCs for personal asset protection—not to run a business, but to guard what matters. You don’t need a company to need protection. You just need something to lose.

How an LLC Works to Protect Your Assets

A Limited Liability Company (LLC) is a legal structure that separates your personal finances from the assets owned by the company.

When structured correctly:

• The LLC owns the asset—not you directly
• Your personal liability is limited to the value inside the LLC
• In most cases, creditors suing the LLC can’t reach your personal property

This separation creates a protective boundary that helps isolate your personal wealth from outside legal or financial threats.

LLCs for Real Estate, Investments, and Family Assets

You don’t need to be a commercial property investor to benefit from an LLC.

High-net-worth individuals often use LLCs to:

• Hold rental homes, vacation properties, or land
• Manage investment portfolios or brokerage accounts
• Own valuable personal property like art or aircraft
• Create a shared family entity for managing inherited wealth

With the right setup, an LLC becomes a flexible vehicle for reducing exposure while maintaining control.

LLCs and Estate Planning: A Smart Combination

An LLC isn’t just a shield—it can also be a tool for smooth wealth transfer and succession planning.

When assets are titled in an LLC:

• You can transfer membership interests, not physical property
• You can assign control to trusts, heirs, or family members
• You can build structured decision-making into an operating agreement
• You may even reduce estate tax exposure when combined with other strategies

This simplifies transitions and helps maintain privacy and continuity across generations.

The Shield Only Works If Maintained Properly

It’s not enough to form an LLC—you have to treat it like a real business entity.

That includes:

• Keeping personal and LLC finances completely separate
• Establishing and following an operating agreement
• Holding formal meetings and maintaining records
• Filing required state documentation and annual reports

If these steps are skipped, a court can “pierce the corporate veil,” removing your liability protection and exposing personal assets.

LLCs Aren’t Just a Business Tool—They’re a Smart Personal Strategy

If you own rental property, maintain a sizable investment account, or hold any high-value assets, an LLC for personal asset protection might be the missing link in your risk strategy.

This isn’t about fear—it’s about being proactive. You’ve put in the effort to grow your wealth. Now it’s time to make sure it’s protected in the ways that count.

You’ve worked hard to build your portfolio—now it’s time to protect it. Discover whether an LLC fits into your plan by speaking with our advisory team.

Contact Us Today.

—-

Past performance is no guarantee of future results. Personnel of RiskBridge Advisors, LLC (“RiskBridge”) prepared this material. The views expressed herein do not constitute research, investment advice, or trade recommendations. RiskBridge may, from time to time, participate or invest in transactions with issuers of securities that participate in the markets referred to herein, perform services for or solicit business from such issuers, and/or have a position or effect transactions in the securities or derivatives thereof.

This material is distributed for informational purposes only. All material presented is compiled from sources believed to be reliable, but accuracy cannot be guaranteed, and RiskBridge makes no representation as to its accuracy or completeness. Any opinions, recommendations, and assumptions included in this material are based upon current market conditions, reflect the judgment of RiskBridge as of the date indicated, and are subject to change without notice. You acknowledge and agree that RiskBridge is not obligated to provide any additional information or update such information in making the information available. Securities and/or indices highlighted or discussed in this communication are mentioned for illustrative purposes only and should not be construed as investment recommendations. All investments involve risk, including the loss of principal. Before implementing any strategy, consult with a qualified financial adviser and/or tax professional. This information is not intended to provide investment, tax, or legal advice, and this material is not to be relied upon in substitution for the exercise of independent judgment. This material is not to be reproduced, in whole or part, without the written consent of RiskBridge.

Tax and legal services are not provided by Lion Street Financial, LLC, and Lion Street Advisor, LLC.