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Asset Protection
Asset Protection 101: Why 82% of Americans Don't Have It
By Gerard Ladalardo·Jul 14, 2026· 5 min read
Over 82% of Americans who need asset protection don't have any. Most people think it's something only the ultra-wealthy need — but the truth is, the middle and upper-middle class have the most to lose because they have the least margin to recover.
The Three Layers
Insurance (umbrella, professional, long-term care) is the first line of defense. Entity structures (LLCs, FLPs) separate personal from business assets. Strategic placement (retirement accounts, certain annuities, and cash-value life insurance) takes advantage of state and federal creditor protections.
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