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Join Barton Associates and Earned Legal for a practical webinar designed specifically for locum tenens physicians, nurse practitioners, physician assistants, CRNAs, dentists, and other independent healthcare professionals.
You’ll learn how personal and business assets can be protected from future creditors, how to structure an estate plan around variable income from multiple sources, and how to get the right documents in place before you need them.
The lifetime protection of personal assets, such as homes and retirement plans, is a key concern for many clinicians. Independent providers carry more moving parts than most: 1099 income that varies month to month, assignments across multiple states, business entities, and retirement accounts whose protection changes from state to state.
Without a plan, state law fills in whatever your beneficiary designations and titling do not already control, probate can be slow and public, and assets you assumed were protected may not be.
The good news? Asset protection is legal and well established, and it generally works best when it is in place well before any claim arises.
In this webinar, Ali Oromchian, JD, LL.M., founding attorney of Earned Legal, will highlight available statutory exemptions, traditional planning techniques, and advanced estate planning instruments as a means to legitimately protect assets from future potential creditors.
Effective asset protection requires the timely implementation of the proper legal technique and the well-informed operation of that strategy. It does not involve hiding assets, committing fraud or perjury, or engaging in fraudulent transactions.
Whether you are early in your career or managing a mature mix of personal and business assets, you’ll leave with a clear picture of what to put in place and what to ask your attorney.
Ali is a leading legal authority in healthcare employment law with more than two decades of experience. His wife's nearly 20-year clinical career gave him a personal window into what healthcare professionals face on the job, and it shapes his focus on the issues that matter most to employed and locum clinicians.
As CEO of Barton Associates, April works closely with healthcare providers nationwide and understands the unique career, financial, and lifestyle opportunities available through locum tenens work.
Yes. An estate plan is not only about distributing wealth. It determines who makes medical and financial decisions for you if you cannot, who cares for minor children, and whether your family goes through probate. Some strategies also have to be considered well before a potential claim, and how much they help depends on the facts and the law that applies to you.
A will directs where your assets go after death, and it passes through probate, a public court process. A trust holds assets during your lifetime and after, and when it is properly funded it can keep those assets out of probate. Depending on the type, it may also provide protection a will cannot. Some assets, such as those with beneficiary designations, can pass outside probate without a trust at all. Most complete plans use both, along with powers of attorney.
Certain irrevocable trusts can, provided your attorney drafts them properly, you fund them at the right time, and you operate them correctly afterward. Revocable living trusts generally do not provide creditor protection, because you keep control of the assets. Which structure fits depends on your state, your assets, and your timeline.
Often partly. Federal law and state statutory exemptions protect qualified retirement plans to varying degrees, and the protection for IRAs, 401(k)s, and inherited accounts is not the same. Knowing what is already exempt tells you where the real gaps sit.
Each state sets its own estate, probate, and exemption laws, and your state of domicile drives most of the analysis. Clinicians who work across state lines, own property in more than one state, or have recently relocated should review their plan against their current residency.
Legitimate asset protection is legal and well established. It relies on statutory exemptions and recognized planning instruments put in place ahead of time. It does not involve hiding assets, committing fraud or perjury, or engaging in fraudulent transactions, and a court can unwind transfers you make once a claim already exists.