Questions or comments? Call the delightful Anna at 704-366-5776, ext. 289

A few tips on protecting what you have.

Is your money as protected when working with an independent like PCA?

The answer is an unequivocal “yes.” We use an independent third-party custodian whose inherent protections are unsurpassed by any other company in our industry. You do not write any checks payable to PCA or any PCA employee. Checks are always payable to the third-party custodian. Statements, tax reporting … it all comes from the custodian. We use TD Ameritrade primarily.

liability insurance

Consider increasing your liability insurance.

If you don’t have umbrella liability coverage, or if your coverage is not equal to your assets, you may want to increase it. This type of insurance is often affordable and a no-brainer in these litigious times.

joint accounts

Take a close look at all joint accounts.

Any monies held in joint accounts are at risk if the joint owner faces a lawsuit, divorce or some other legal action.


Get your partnerships in order.

A business partnership that isn’t formally buttoned up is hazardous. A lawsuit against your partner could put all of your assets at risk.

business entity defense

Employ the business entity defense.

If you have a small business, do some consulting or dabble in some manner of part-time work as a side gig, you need to do so under the structure of a corporation (LLC or S corp, for instance). Without that formal business structure as a protection, a lawsuit exposes all of your personal assets to potential loss.

Whether you’ve amassed your wealth over time or know that you will soon come into substantial assets through inheritance or a liquidation event, it’s imperative to have in place the protections that can shield you from having it stripped from you.

Ready to discuss your financial future with Ryan?

Schedule a visit

Unable to meet in person? You may also set up a phone appointment by calling the delightful Anna at 704-366-5776, ext. 289.