Safe Money Solutions, Inc.

Les Simpson, CWPP™,CAPP™

Certified Wealth Preservation Planner (CWPP™)

Certified Asset Protection Planner (CAPP™)

            This web-site was designed to illustrate to current and potential clients the benefits of working with this firm and  how Les as a Certified Wealth Preservation Planner (CWPP™), can help clients with:  

Asset Protection
"Advanced" Estate Planning
Income and Estate Tax Planning
Financial Planning
Business/Corporate Structure

            As a CWPP™ advisor, it is my belief that NO client’s estate or financial plan can be complete if the plan does not also address the problems of asset protection. 

-Your  current team of advisors: Are they meeting your needs?

CWPP™ advisors at a minimum are familiar with the following list of topics: 

            The use of domestic LLCs, FLPs and offshore Asset Protection trusts, The Maximizer, International Tax Planning,  “Freeze” Partnerships, The Leverage Bonus Plan, Section 79, The 1% CFA Mortgage, Equity Harvesting, Equity Indexed Annuities, 401(k) Plans, New Comparability Profit Sharing Plans, Defined Benefit Plans, 412(i) Defined Benefit Plans (and carve out plans), VEBAs/419 Plans, ESOPs, Life Settlements, Reverse Mortgages, Life Insurance, Charitable Remainder Trusts, Charitable Gift Annuities, Family Foundations, Qualified Pension Insurance Partnerships, Intentionally Defective Grantor Trusts, A/R Financing/Leveraging, Long-Term Care Insurance, HRAs, Drug Carve-Out Plans, Section 125 Plans, HSAs, Corporate Structure and many more topics.

            Look at the above list and be honest with yourself.  Do your current advisors know these useful tools?  If not, do you think you are receiving the best advice possible when it comes to Asset Protection, Estate Planning, Income and Estate Tax Planning, Financial Planning,  Business/Corporate Structure.  Don’t you and your family deserve the best advice?  If so, then you should contact our firm for a review of your current plans (or lack thereof).

            What is asset protection? 

            Most asset protection “gurus” believe asset protection revolves around helping clients who have money protect that money from your “typical” creditor from a negligence suit.  A few examples of a typical creditor are: a patient who sues a physician for malpractice, someone who slips and falls on property and sues the owner, or someone injured from someone negligently driving a car.

            While it is true that clients with money do need to protect themselves from the “typical” creditor, there are many other creditors out there clients need to be protected from.

            Who are other common creditors clients don’t think of as a “typical” creditor?           

            -The IRS and state government (if you have a state income tax).  The IRS is everyone's number one guaranteed creditor every year.  Every year, high-income clients pay taxes to this creditor.  Would you like to pay $15,000, $50,000, 100,000+ less in income taxes this year?  Absolutely.  That’s what a CWPP™ can help you with.

            -The stock market.  You know this is the case if you had money invested from 2000-2002 when the stock market lost nearly 40% of its value.  Think about it, did you lose money from 2000-2002?  Absolutely.  Would you like to invest in the market with good potential for growth and still principally protect all or the majority of your money?  That’s what a CWPP™ can help you with.

            -Capital gains. Many clients every year sell highly appreciated real estate and stocks. Those clients complain because they have to pay capital gains taxes. CWPP™ advisors can help clients sell highly appreciated assets and avoid the current capital gains, thereby allowing the government’s money to be used for years to help clients build a larger retirement nest egg.

            -Estate taxes.  Clients with wealth all worry about the estate taxes that will be paid upon their death.  Few advisors truly know “advanced” estate planning and ways to mitigate estate taxes.   CWPP™ advisors know many tools to reduce the size of a client’s taxable estate so as to minimize or eliminate estate taxes.

            -Long-term-care expenses.  The number one guaranteed creditor of clients over the age of 65 comes from the health industry in the form of long-term-care expenses (drug costs, home health care,  nursing home, surgeries, etc.).    It is vitally important for clients to protect themselves from this guaranteed expense.  The best time to protect yourself from this guaranteed cost is to deal with it when you are still working (if possible).  The earlier you deal with this expense, the lower out-of-pocket costs you will have.  CWPP™ advisors are specialized in helping clients pay for these expenses in a tax-favorable manner.

            We encourage you to surf this web-site so you can determine for yourself if you are  properly asset protected, and if you are positioned to grow your assets with minimal risk while mitigating or avoiding income, capital gains and estate taxes along the way.

            We encourage you to take the free examinations on the left side of this page, which will help you determine to what extent you need help protecting yourself from creditors, the IRS, the stock market, and any other creditor that many come along.

            If you would like to have a review of your current situation or would like to talk with our team, please e-mail les@washield.com or call (303) 579-6881.