Retirement Exemption Protection

Protect Your Wealth, Secure Your Future

Asset protection is more than just safeguarding your wealth; it’s about ensuring peace of mind for you and your family. At Yosemite Capital Management, we understand the risks individuals face in today’s highly litigious environment. That’s why we specialize in strategies that protect your assets while preserving your financial freedom.

The Private Retirement Trust (PRT): A Unique Solution

California’s Private Retirement Trust (PRT) is a powerful tool to shield your retirement savings and other eligible assets from creditors, lawsuits, and bankruptcies. Unlike traditional retirement plans, a PRT provides absolute creditor protection, exempting assets under California’s robust statute, Section 704.115 of the Code of Civil Procedure.

Who Benefits from a PRT?

• Business owners and entrepreneurs
• Executives
• Professionals, including physicians and dentists
• Real estate developers
• Anyone at high risk of lawsuits or legal claims

How Does It Work?

• Establish Your Trust: Create a private retirement plan and corresponding trust (PRT).
• Fund Strategically: Transfer eligible appreciating assets into the trust, re-characterizing them as exempt under the law.
• Manage Effectively: Engage a third-party trust administrator for compliance, asset valuation, and critical record-keeping.

Why Choose a PRT?

• Comprehensive Protection: Covers both retirement and private assets.
• No Funding Limits: As long as the assets meet retirement requirements, you’re free to fund the trust.
• Flexibility and Simplicity: No penalties for early or late distributions.
• Cost-Effective: A more affordable alternative to other asset protection strategies.

Please note that certain services such as tax planning and Asset protection may fall outside the scope of the YCM client agreements. Any additional services, requests, or deliverables not explicitly outlined in the Yosemite Capital Management, LLC Investment Management or Financial Planning agreement are not included and may require a separate agreement or additional fees. Clients are encouraged to review the terms of the agreement and discuss any modifications or additions to the scope of work with Yosemite Capital Management, LLC prior to engaging in such services.