What Is Asset Protection & Estate Planning?
Asset protection and estate planning are about safeguarding what you've worked for during your lifetime — and making sure those assets pass to your loved ones efficiently when you're gone. The right plan combines strategies for long-term care, beneficiary designations, and wealth transfer so your savings and property stay where you want them, with the people you intended.
Coordinate with your existing legal documents (will, trust, power of attorney)
How Asset Protection Works
Asset protection and estate strategies typically:
Shield your savings from long-term care and medical costs
Ensure beneficiary designations are aligned with your wishes
Reduce or eliminate probate for your heirs
Use insurance products to create a tax-efficient legacy
Have remarried or have a blended family with unique planning needs
Who Asset Protection May Be Good For
An asset protection plan may be a good fit if you:
Have built meaningful savings or own a home
Want to leave a legacy to children, grandchildren, or charity
Are concerned about the cost of long-term care depleting your savings
Want to spare your family the time and cost of probate
Estate planning isn't just for the wealthy.
Things to Consider
Anyone with a home, a retirement account, or loved ones who depend on them can benefit from a clear, organized plan. The earlier you start, the more options you have — and the less your family has to figure out during a difficult time.
Some pieces of an estate plan — like wills and trusts — require an attorney. Others, like beneficiary planning, life insurance, and long-term care strategies, are areas where we work alongside your legal and tax advisors to make sure everything is coordinated.
Our Role as Your Advocate
At The Advocate Group, our role is to coordinate — not replace — the professionals you trust.
We take time to understand your goals for your family and your legacy, walk through the financial side of your estate plan, and help you put protections in place so the right people receive the right things at the right time.
Frequently Asked Questions
Do I need a trust, or is a will enough?
It depends on your assets, your family situation, and your goals. We can talk through the basics with you and refer you to an estate attorney for the legal side if a trust is the right fit.
How can I protect my savings from long-term care costs?
Strategies like long-term care insurance, hybrid life and LTC policies, and certain forms of asset positioning can help shield your savings if you ever need extended care. The right approach depends on your age, health, and goals.
Will my family have to go through probate?
That depends on how your accounts and property are titled, and whether you have a trust in place. With the right setup, much of your estate can pass to your family outside of probate — saving them time, cost, and stress.
At The Advocate Group, everything we do is built on three core principles.
Integrity
Education
Trust
We recommend what is best for you — not what pays the most. Transparency is non-negotiable.
An informed client is an empowered client. We make sure you understand your options so you can make confident decisions.
Healthcare and financial protection require vulnerability. We earn trust by showing up consistently, honestly, and reliably.
the Advocate Group experience
What Our Clients Say
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- janet m.
"Jason Avery has been such a great person to provide us information for our best Medicare plan. He takes the time to thoroughly review circumstances to advocate for his clients. He even came to our home to meet with us. Very thankful for his assistance!"
- clean s.
"Jason and his team are in the business of creating peace and calm. With SO many options in the healthcare industry, it’s overwhelming and difficult to navigate successfully. Jason guides his clients with confidence and genuine interest in their wellbeing."
- barbara w.
"Jason Avery is one of the best Medicare advisors! He directed me to products and services that were best suited to me and compared them to my current choices I had already made. I took his advice and I ended up having a good year of health & prescription provider care."
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