C.A.L.M. = Comprehensive Asset
& Liability Management
Protect And Grow Your Wealth For Retirement
Especially For Physicians And Other Professionals
And Maybe, Folks Just Like You

It’s got to be one of the most heart-sinking experiences in existence: A process server drops off notification that you are being sued…

Caught your breath yet?

Questions zoom through your mind. A million thoughts and feelings buzz by.

Where to start? Worry enters, wondering if all you have worked so hard to build up will suddenly slip away…and slip into someone else’s bank account. One thing is for sure - whether the suit has merit or not, you’ll need the services of an attorney.

But this article isn’t about attorneys. It’s about avoiding them. When a lawsuit is filed, attorneys sue anyone and everyone that might even remotely be involved.

We can’t stop you from being sued. But we sure can help you to make you a less than attractive defendant.

Let us explain.

Lawsuits are about money, plain and simple.

Even if the plaintiff wants “justice”, the plaintiff’s attorney wants to be paid. Remember Vice Presidential candidate John Edwards? That’s how he made his money, as a plaintiff’s attorney, and was one of the wealthiest candidates running for President in the 2007-2008 election.

Part of the decision-process of a plaintiff’s attorney is to search out and find defendant assets. If there are no defendant assets, or no easy way for the plaintiff’s attorney to go after them, then you are no longer a desirable defendant.

C.A.L.M. helps to make you that less-desirable defendant.

But that’s not all. C.A.L.M. also helps you reduce costs and exposure in other ways. More on that in a minute.

We have a number of articles here on this site describing the value of Asset Protection. We’d even go so far as to claim that your assets are either under-protected, or not protected at all. We have a basis for that claim: we’ve worked with hundreds of clients. We’ve seen a few things. Some of them would curl your hair.

We don’t want you to become another poster child for the need for Asset Protection.

So, by now, you are probably wondering what C.A.L.M is.

Let’s first start by telling you, in a bit more detail, what C.A.L.M. can do for you, before we get into the specifics.

C.A.L.M. does the following (the various benefits depend upon which of the 4 levels of C.A.L.M is engaged):

• Provides a comprehensive approach to protect your personal and business assets from creditors
• Reduces the cost of professional liability (malpractice) and other negligence claims.
• Eliminates court and other litigation costs by using “alternative dispute resolution” (”ADR”) — mediation and arbitration - to resolve claims.
• Resolves claims quickly and at the lowest possible cost through a unique technology to coordinate the activities and information of the various professionals involved including
  • your defense attorney
  • your asset protection attorney
  • the health care attorney (if applicable)
  • conflict management attorney
  • any other attorneys that may be involved
  • your accountant and other involved accountants
  • your advisors and other involved advisors

  This unique technology helps this diverse group of professionals work together more efficiently and more thoroughly. By coordinating their work, less work will be duplicated and more time can be spent to make sure nothing “falls through the cracks.”

• Provides discount access to specially-trained and selectively chosen professionals, known as the C.A.L.M. team. Only the best and most experienced attorneys, accountants, and financial planners in the country are part of the C.A.L.M. team. In order to work with this team, your Certified Wealth Preservation Planner (CWPP™) has taken and passed a lengthy multiple choice and essay test. This certification uniquely qualifies them to select and work with this team on your behalf, enabling you to save money while gaining a more sophisticated and coordinated group of professionals.

There is simply no other plan in the country that provides the benefits of C.A.L.M

C.A.L.M is unique because it:

• Drives ADR (mediation and arbitration) through each of the following:
  • your risk management program
  • your claim management program
  • your legal management program, and
• Coordinates a team of certified (CWPP™) advisors that work with you to:
  • implement a legal asset protection and wealth management plan
  • help you resolve conflict out of court and
  • implement a long-term plan for reducing your insurance costs

Many other benefits come with a C.A.L.M. Plan, and we would be happy to discuss them with you at 1-800-490-8200

Your initial C.A.L.M. Plan can cost you nothing - because discounts from legal fees available through the Plan can easily save you as much or more than the cost of the C.A.L.M. Plan itself.

Good news! Affordable Entry level C.A.L.M. Plans!

With all these benefits, you may be thinking the cost of C.A.L.M. will burn a hole in your wallet. Not so. Read on to be surprised at how affordable C.A.L.M can be. You can find a level that fits you, no matter if you are starting out and don’t have much to protect, or have accumulated a lifetime of wealth.

Let’s take a look.

Introducing - C.A.L.M. Level I

What it covers:

1. Evaluation of your asset protection plan and estate plan, and if you don’t have one, we’ll help you create one.
   • Initial evaluation — a Certified Wealth Preservation Planner (CWPP™) reviews your current
     • Asset Protect Plan
     • Estate Plan

   And outlines the gaps in these Plans with suggestions for improvements in a comprehensive report.

   • Annual reviews of your asset protection plan
2. Regular, timely education and updates. These inform you of the critical “need to know” material and changes. You are kept up to date with the following methods:
   • your monthly e-newsletter
   • quarterly webinars
   • a private C.A.L.M. website
   • in-person seminars (that may qualify for professional continuing education credit).
3. If any new malpractice claims arise, you can get them settled quickly with discounts on our technology-enabled conflict management services.
4. Discounts on legal and other fees necessary for plugging the asset protection gaps discovered in the Asset Protection and Estate Plan Reviews
5. Forms and documents to facilitate arbitration and mediation and keep you out of court — needed by every business!

All of these benefits come to you for the low cost of $495 - well worth the money for the peace of mind it will bring.

Want to learn more? Discover even more benefits from C.A.L.M. Level 1 by clicking here.

Do you need more protection? Introducing C.A.L.M. Level 2 Protection Our experience is that 99% of you who are reading this - who have any wealth - do not have any discernible asset protection.

You probably need further asset protection if you own:

• A brokerage and/or bank account of more than $20,000
• A rental property
• A boat, plane, waverunner, snow mobile
• A vacation condo

You need to have a domestic asset protection plan. For that, you will need, at a minimum, a “Family Limited Partnership” (FLP). But not just any FLP. You need one that is created in a secure jurisdiction.

Through C.A.L.M., clients can purchase an FLP for less than it would normally cost — $2000 rather than $2500, for a savings of $500. But it’s better than that. It’s better because, through C.A.L.M. your FLP will be set up by a pre-qualified attorney, one savvy to C.A.L.M. strategies. By having a C.A.L.M.-savvy attorney create your FLP, it will be consistent with the careful Asset Protection strategies set up in C.A.L.M. I.

Once you have your FLP, you will have C.A.L.M. Level 2 Protection. Call us now to find out how: (A free, no-obligation, no-pressure consultation)

Not sure if you really need an FLP? We’ve gone through and described the variety of risks you take without one here. Have you considered them all?

Going from protection to growing wealth: C.A.L.M. Level 3 Once you have your FLP in place, a more thorough review of your wealth management is in order. Now that you are protected, strategies to grow your wealth are in order. We consider C.A.L.M. Level 3 protection to occur when you have had a comprehensive estate and financial plan review. In addition, an “income tax” reduction plan can be initiated. Typically a comprehensive estate and financial plan review costs anywhere from $10,000 to $15,0000 when put together by “certified” advisors. As a C.A.L.M. client, you can receive a comprehensive review for 50-75% of that, at $7,500.

Read more about how Level 3 Protection can get you to a healthy retirement, and get you there more quickly, by going here.

Beyond growing wealth: C.A.L.M. Level 4 Protection For Clients With Complex Situations Approximately 10% of our clients need C.A.L.M. Level 4 Protection. Typically, they have more complex situations and sometimes require offshore planning. This level of protection costs $20,000 or more to set up — unless you are a C.A.L.M. client. As a C.A.L.M. client, you can get a 20% discount on these services.

Not sure whether C.A.L.M. Level 4 Protection is for you? You can discover more here.

The C.A.L.M. Advantage When you insure with a CALM-certified malpractice or liability insurance agency, you have access to a coordinated team of claim and legal professionals. These professionals work together to help you protect your assets from disgruntled patients or disgruntled clients. They work to reduce the cost of resolving your claims and help protect your professional license.

With C.A.L.M., the threat that a lawsuit presents to your wealth and your livelihood can be drastically reduced. You can “cut the cost of conflict” and litigation through mediation and arbitration and receive a certified team approach to help you protect your business and personal assets.

Now is the time for you to take control of your life back — back from the Plaintiffs’ attorneys and creditors. Now is the time for you to stop getting stressed out. Now is the time for you to get “C.A.L.M.”

If you are ready to get C.A.L.M., or simply need more information, feel free to call our offices for a free no-pressure, no obligation consultation at 1-800-490-8200.