C.A.L.M. Protection Level 1:
Building A Protective Wall Around Your Assets
With Unique Comprehensive Wealth Protection Strategies
Of The Leading U.S. Wealth Preservation Attorney
For A Fraction Of The Cost

The C.A.L.M — Comprehensive Asset & Liability Management — consists of a membership with a follow-on set of protection levels. C.A.L.M. Level 1 is the basic membership level, the start, for building a foundation on which to protect and grow your assets. (If you would like an overview of the C.A.L.M. Program, click here.)

C.A.L.M. Level 1 builds the foundation through the following features:

The overall goal of the C.A.L.M. program - which has 4 levels - is to provide you with:

• a proper estate plan
• methods to minimize estate, income and capital gains taxes,.
• means to avoid probate and
• guaranteed lifetime income for retirement.

The C.A.L.M. Level 1 then is the “gateway” into the full program. It will give you the multi-page evaulation report, written by your CWPP Advisor and reviewed by attorney Roccy DeFrancesco, JD, CWPP™, CAPP™. This plan will provide a blueprint for engaging subsequent levels of C.A.L.M. Protection by describing:

• the problems with the current asset protection plan and identification of possible planning deficiencies.
• the problems with the current estate plan.
• the suggested options for what could be done to mitigate income taxes, estate taxes and capital gains taxes.

The C.A.L.M. Plan Level 1 dwarfs any other plan out there, in that it offers the following…

• Gives you access to professionals who provide you with the tools and instruments to give you higher levels of protection (as outlined in the subsequent C.A.L.M. levels) to meet your wealth protection and growth goals at a greatly reduced rate These rates, by themselves, more than make up for the relatively small cost of C.A.L.M. 1.
• Provides access to professionals who are coordinated and build upon the unique Wealth Preservation Institute strategies.
• Enables you have a level of comfort and safety in case of a malpractice or liability suit through specially-designed automation technology. Through this technology, the appropriate professionals are informed, updated and coordinated, giving you extra protection — since less time is spent on duplicated effort — and for less money.
• Furnishes you and your business with the forms and documents that will help to keep you and your business out of court. These forms provide arbitration and mediation agreements.

It offers all of the above along with the evaluation of your Asset and Wealth Protection Plan. Such a review would cost you at least $1500 if purchased from an attorney/CPA/account/financial planner - and would not cover as many topics, nor in as much depth.

If you have ever considered getting a comprehensive review of your financial standing, along with specific tactics for protecting and growing your wealth, you will not find a better value at the unbelievably low price of $495.

You can get started by calling our office now at (269) 216-9978 — or you can call even if you just have a few questions.

We offer a free consultation so you can get to know us, and we can get to know you, before getting into a deeper relationship.

Caveat: Just to be clear — access to professionals to build your asset protection structures and grow your wealth will require additional professional consultations. But rather than running to this professional and that, you will have coordinated wealth care. It is because of the coordination that we can provide you with such an affordable option — and discounted fees when working with these professionals.

Want to know a bit more about each step before calling?

Here’s a bit more detail:

1. Asset Protection and Estate Plan Review.

As mentioned above, there is an initial and an annual Asset Protection and Estate Plan Review.

Approximately 99% of all clients who purchase C.A.L.M. 1 are poorly protected and many are leaving hundreds and thousands of dollars on the table — as well as being at significant risk of loss.

This Review is performed by your CWPP™ advisor and reviewed by leading wealth protection attorney Roccy DeFrancesco, JD, CWPP™, CAPP™. MMB™.

The initial Review will comprehensively outline the strengths and weaknesses of your current plan. In addition the Review gives you an Action Plan to plug up any gaps. This Action Plan shows you what to do next to protect and grow your wealth.

During the year, you will undoubtedly be fortifying your plan. Between the changes you make following the Review Action Plan, any changes in your life (such as buying property, getting married, having a child), and changes in the laws — an annual review is advised. And that’s just what you get with C.A.L.M.1.

2. Regular, timely education and updates.

Wealth protection and growth, to be most effective, require some knowledge and education on your part.

Now, we don’t expect you to become an attorney or a financial planner — so we aren’t going to steep you in the arcana that we have to know in order to deal with the vast array of situations we come across.

Think of it as “financial first aid” education. This education helps you to know when things are humming along - or when you need to contact a professional.

In short, it helps you make a better assessment of when you need to use your resources to get additional help.

Along with some basics, which will further familiarize you with our strategies, we keep you updated on any changes in the law, any legal precedents, that may affect you and your wealth.

This education comes to you in a variety of forms:

• 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. Quickly resolve liability and/or malpractice claims.

Our specially-designed technology automates the process and reduces the “cost of conflict.”

Because of the proprietary nature, and because this is only invoked on an “as-needed” basis, more details are covered through our education and updates.

If you have a professional license, this may save your livelihood.

4. Discount fees on uniquely qualified professionals.

Since we know that 99% of the clients who get their C.A.L.M. 1 Asset Review are under-protected, sometimes frighteningly so, you will most likely want to follow the Review Action Plan. If you do, you may need to hire a C.A.L.M. team member to do the needed legal work to put your plan in order.

You will, as a C.A.L.M. plan member, be able to hire C.A.L.M. team members for less than a non-C.A.L.M. plan member would be able to hire them for. Additionally, because of the automation of the process, the overall process will be less costly and more efficient. Frequently, various business entities will need to be set up (such as a Limited Liability Corporation, or “LLC”). You get a flat-fee discount when setting these up — and should you need to set up multiple LLCs, you get additional discounts on the additonal LLCs.

For example, if your brokerage account is set up in your name - it’s not asset protected from creditors. To protect it using our domestic asset protection strategies, you would most likely need an LLC, maybe a Family Limited Partnership (”FLP”) — formed in the proper legal jurisdiction. If you go to an asset protection attorney expect to drop $3,000-$5,000. As a C.A.L.M. member, you can have your first LLC set up for $2,500. That pays for your first year in C.A.L.M.!

5. Forms

you need to hand to your clients or patients (for physicians) when they come in the door.

Savvy professionals have learned that effective use of mediation and arbitration can drastically reduce the “cost of conflict”.

As a C.A.L.M. member, you receive the proper forms to require clients or patients (for physicians) to mediate and arbitrate any future liability suit that might arise from rendered professional services.

But having the forms is not enough! You must know how to use them, and use them properly. As a C.A.L.M. member, you get the instructions for the proper “care and feeding” of these so-important forms.

Mediation saves on costs. Signficantly. Statistics show mediation-resolved malpractice cases resolve, on average for less than 30% of the indemnity payment and less than 50% of the expense payment than cases that get filed and worked up for a jury trial.

Arbitration gives you the assurance that if you are involved in a case - the worst possibility is that the case will be resolved within your policy limits. What a relief! But it may not even need to go that far. Arbitration agreements contract the disputing parties to resolve the conflict via private arbitration - instead of the court system. If mediation doesn’t produce a final resolution, it can end up with a “high-low” agreement. The “high-low” agreement not only reduces costs, but makes sure the case is covered completely by your policy, and you won’t have to pay more.

Worried that your clients or patients won’t sign a mediation or arbitration form? By offering your client or patient a Consumer Legal Plan (CLP), they can discuss the benefits of mediation and arbitration with a network of knowledgeable attorneys. Seeing the benefits, clients and patients more readily sign mediation and arbitration agreements.

You can discover even more advantages of becoming a C.A.L.M. 1 member by calling

1-800-490-8200

for a no-pressure, no-obligation, FREE consultation. After you see how a C.A.L.M. membership can benefit you, we think you’ll be delighted. Call us today!