Asset protection is the legal process of arranging your personal and business affairs so that your assets are shielded from risk. In today's world, lawsuits, creditors, and unexpected financial challenges can put your hard-earned assets at risk. The best time to plan is before a problem arises. Asset protection structures only work properly if set up in advance. Effective planning makes it much more difficult for creditors or lawsuits to reach your property.

The specific structure looks different depending on your assets and objectives, but the underlying principle is the same: assets that sit together, unprotected, share the same risk. The problem asset protection solves is access to the asset and concentration of risk. Asset protection solves this by isolating each asset within its own legal boundary, so it remains out of reach of creditors, plaintiffs, and lawsuits, whether the claim arises from the asset itself or from something against you personally. When everything you own sits in your personal name, or when a group of assets are held together inside a single business entity, a claim against any one of them exposes all of them.

The assets our clients seek to protect generally fall into a few broad categories. These may include real estate, businesses, investments, or valuable licenses and rights, each of which can carry its own distinct risks and require its own distinct structure.

The Business Owner

For a business owner, this can mean the difference between a lawsuit against your company staying contained to the insurance limits of that business, or reaching hard-earned assets inside that business, your personal wealth, real estate, savings, investments, or an entirely separate business venture you have built. This typically starts with entity layering, an operating company that absorbs the risk of daily business, and a holding company that keeps your accumulated capital, real estate, and equipment out of reach. Equity stripping and properly drafted operating agreements reinforce that separation against the specific tactics a plaintiff's attorney will use.

The Real Estate Investor

For a real estate investor, it means that if a tenant is injured on one property, a slip and fall on stairs a contractor failed to repair, the claim is limited to that single property rather than spreading to your other rentals, your investment accounts, or your personal wealth. The same operating and holding company structure applies property by property, so a claim tied to one property cannot spread to the rest of your portfolio. Layering in a land trust adds a second, earlier line of defense: privacy that discourages a claim from being filed in the first place.

Individuals and Families

For individuals and families, it means an ordinary event, a car accident involving you or your child, does not put your entire personal wealth, including savings and investment portfolio, at risk all at once. Personal exemptions such as Florida homestead protect what the law already shields automatically, while irrevocable trusts extend that protection to assets that exemptions do not reach, and coordinate how that wealth ultimately passes to your children.

Business Entities 

A business or corporate entity is treated as its own legal person, separate and distinct from the individual who owns it. This separation is the foundation on which asset protection is built. Because the entity is legally distinct, the law generally treats its assets and its liabilities as belonging to the entity itself, not to the individual behind it. In certain circumstances, a trust can serve a similar function, and may also play a role in this structure.

There are several types of entities available to achieve this separation, and the right choice depends on the client's specific objectives. A limited liability company, a corporation, and a limited partnership are among the most common. A limited liability company is owned by its members and offers flexibility in management and taxation. A corporation is owned by its shareholders and is another type of legal entity available depending on the client's objectives. A limited partnership separates general partners, who manage the business, from limited partners, who hold an ownership interest.

Certain jurisdictions also play an important role in this analysis. A Wyoming LLC, for example, is a limited liability company formed under Wyoming law, a jurisdiction known for business-friendly statutes and for not publicly listing the owners of an LLC. This makes it a useful vehicle for protecting both an asset and the privacy of the person behind it.

The number of members in an LLC can also matter. A multi-member LLC is often used to help achieve what is known as charging order protection, a legal remedy that can limit a creditor's recovery against a member's interest, rather than allowing seizure of the underlying asset or the entity itself.

Inside and Outside Liability

Properly formed and maintained, a business entity serves two distinct protective functions. The first is containing inside liability, meaning liabilities that arise from the asset or business itself remain contained within that entity, rather than reaching the individual owner's personal assets. The second is shielding against outside liability, meaning a claim against the individual personally, for example a lawsuit arising from an unrelated car accident, cannot reach into the entity to attach the asset it holds. Together, these two functions form a barrier that works in both directions.

Holding Companies, Operating Companies, and Variations

Building on this foundation, Deming Law designs custom, multi-tiered entity structures using a distinct Holding Company and Operating Company model. The Holding Company acts as your primary wealth fortress. It does not engage with the public, sign vendor contracts, or take on operational risks. Instead, its purpose is to hold your high-value assets, including real estate, cash reserves, investments, equipment, and licensing rights, separate from the dangers of daily business operations.

The Operating Company acts as the public-facing entity that conducts daily business, signs contracts, manages employees, and handles client operations. By separating operations from ownership, any liability generated by the business is contained within this entity, limiting exposure to the holding company's assets.

In some structures, a dedicated Property Company, or PropCo, serves this same role specifically for real estate or equipment, owning the asset and leasing its use to the operating company. A Management Company, or ManCo, can serve as another independent entity, providing services to the operating company under a management agreement, through which funds are paid out as fees rather than retained as exposed equity within the operating company.

Entity Separation Reinforces Protection

Maintaining the separation between these entities requires more than simply forming them. We draft precise intercompany agreements, leases, and corporate governance documents to formalize the relationship between the holding company and the operating company. This documentation is essential to withstand scrutiny during litigation, where a plaintiff may attempt to disregard the separate entities and reach the holding company's assets directly, an argument known as piercing the corporate veil.

Equity Stripping

Depending on the nature of the asset, a holding entity may protect value in one of two ways. Where the asset can sit cleanly within its own separate holding entity, such as a PropCo, it is simply owned there from the outset and leased to the operating company for its use.

In other cases, the asset must remain titled within the operating company itself, often due to jurisdictional requirements, as is frequently true with real estate. In these cases, the holding company advances funds to the operating company, which uses those funds to acquire the asset, and the holding company secures its position against that asset as a senior creditor. This simultaneously finances the acquisition and strips the equity from the operating company, moving the asset's value out of reach of its operational risk.

A senior creditor position matters because creditors are generally paid in order of priority. If a plaintiff later obtains a judgment against the operating company and attempts to reach the value of the asset, the holding company's secured claim stands first in line and is satisfied before the plaintiff, often leaving little or nothing left to collect. In this way, a client's underlying investment remains protected, even in the event of a judgment.

Privacy

Privacy is also an important objective for many of our clients, and the tools used to achieve it are implemented alongside the entities being structured. An asset that cannot easily be connected to your name is an asset that is far less likely to become an attractive target for litigation in the first place.

Holding assets through business entities is an important first step, but it carries its own vulnerability, as the ownership or management of an entity is often a matter of public record. For this reason, privacy often requires its own layer of structuring on top of the liability protection already discussed. This may involve the use of multiple entities, sometimes across jurisdictions, and in some cases a land trust, as one of several vehicles we implement to help achieve privacy, depending on the client's objectives.

Irrevocable Trusts

In appropriate circumstances, where it fits a client's objectives, an irrevocable trust can be integrated into the formation process. A trust provides asset protection by severing legal ownership of the asset, while also facilitating estate planning by serving as a vehicle for the eventual transfer of that wealth.

Where a client elects to use an irrevocable trust as part of their entity structure, it can allow the client to maintain a degree of direction over the business entity, while ownership is allocated to the trust over time. In this way, it offers a measure of continued autonomy, while also accomplishing both asset protection of the underlying asset and a vehicle for the transition of wealth.

This layering can also provide a further benefit. In the example where an LLC is the business entity, distribution decisions can be structured as discretionary rather than mandatory. This means the entity is not forced to make payments to a member facing a creditor's claim, while it remains free to make distributions to its other members, which could include the irrevocable trust or a holding company, protecting the client's underlying interest even under those circumstances.

We build each asset protection structure to meet our client's specific objectives.

Abstract legal theories mean very little without a practical, battle-tested blueprint to back them up. Real wealth preservation requires a comprehensive understanding of how distinct legal entities, asset classes, and defensive frameworks interact with one another in real-time scenarios under Florida law.

At Deming Law, we construct asset protection plans using a highly strategic, layered methodology. Rather than relying on a single, isolated document or entity, we build a multi-tiered legal architecture where each layer provides a distinct tier of asset protection and operational privacy. These individual layers do not exist in a vacuum; they are intricately intertwined and engineered to work harmoniously together, creating a unified defensive shield that safeguards your personal legacy and business assets from external liabilities.

To illustrate this defensive synergy in practice, this page provides a comprehensive, progressive architectural model. By studying the real-world case mechanics below, you will see exactly how we leverage advanced corporate entity layering, strategic equity stripping, and anonymous holding frameworks to achieve financial security.

This multi-layered asset protection strategy combines privacy-focused LLC structures to isolate liabilities and protect the asset while integrating trusts to facilitate the transfer of wealth. Harry and Wendy are a married couple planning to purchase a residential rental property. Like many of our clients, they want to protect their personal assets from potential claims and liabilities, invest in additional real estate over time, and establish an estate plan that efficiently transfers their wealth to their two children. Their assets include savings accounts, a well-funded investment portfolio of stocks and bonds, and their primary residence. The couple requests that their ownership remains confidential to protect their privacy. 

Owning rental property involves risk. Every tenant, visitor, or contractor who steps onto the property is a potential liability. Harry and Wendy are also concerned that if they or one of their children gets into a car accident, without the right structure in place, a single lawsuit could put everything they own at risk. While insurance aims to cover policy limits, providers frequently seek ways to reduce payouts, exposing your assets to liability. This is exactly the kind of exposure Harry and Wendy want to avoid.

The Solution: A Layered Trust And LLC Structure

Every structure we build is tailored to each client’s specific objectives. This model provides a clear, linear illustration of what is possible. Below, we illustrate how we implement a layered trust and business entity structure to protect the couple's assets. This is a multi-layered asset protection and estate planning strategy that combines privacy, liability protection, and probate avoidance into one cohesive structure. In this example, the rental property is an asset and also a business. The following will illustrate how business and personal assets are protected, risk is contained, how we secure privacy for the couple by making ownership of their assets invisible to potential lawsuits, creditors, searches, and the public.

Whether you are an individual, a family, or a business owner, the example below will help you better understand the process of how we can protect your wealth. Additional strategies are available to achieve your objectives, including alternative business entities, trusts, and configurations. Please don’t hesitate to schedule a consultation appointment, we look forward to building the right structure for you.

• Build a layered trust and entity structure to protect assets

• Shield the couple and their assets from liability 

• Protect privacy by making ownership invisible

• Maintain a well documented, legally defensible entity framework

• Create an estate plan that transfers wealth to their children

• Create a structure that deters potential lawsuits and creditors from pursuing litigation

The example and diagrams below are published by Flavio Deming, Esq. a licensed attorney with the Florida Bar  License # 1015828 (verify Florida Bar license standing ). The example below is published for educational purposes to help explain how asset protection works, LLC business entity layering, land trusts, and estate planning.  

The primary objective is to purchase a rental property using a Florida LLC. This places the LLC on the property deed instead of the couple's personal names. To maintain strict privacy, the Florida LLC must be structured correctly. First, an anonymous Wyoming holding LLC is formed, and a Trust is established. Wyoming LLC 1 is formed as a multi-member LLC, with the husband and wife each owning a membership interest.

When a Florida LLC is formed, its management structure is publicly listed on Sunbiz, Florida’s official business registry. This creates an immediate privacy vulnerability. This vulnerability is avoided by naming Wyoming LLC 1 as the public Manager of the Florida LLC, while appointing an attorney as the authorized representative to file the initial records with the State of Florida. The attorney is also listed as the registered agent to accept service of process. This prevents any public disclosure of the couple's personal names.

Creditors and attorneys frequently search Sunbiz and public records to locate ownership trails that lead to valuable assets. Because the Florida LLC publicly lists the attorney as the registered agent and the anonymous Wyoming LLC as the manager, the couple is never disclosed. Furthermore, the underlying trust agreement is a private document that is not recorded in public records. Therefore, this layered strategy successfully hides the true ownership of the asset. An attorney is required to structure these clearly defined entities and trusts, as well as draft the necessary operating agreements, deeds, liens, and leases to achieve a legally defensible framework that will best protect your assets.

Charging Order Protection

A charging order is a court-issued lien that diverts an LLC member's financial distributions to a judgment creditor. In Florida, at least two separate members are required to hold interests in an LLC to achieve  charging order protection. In this asset protection architecture, the anonymous Wyoming LLC and the Trust serve as the two distinct members owning the membership interests of the Florida operating LLC. 

This multi-member structure, supported by well-drafted operating agreements, prevents a creditor from taking over the business, forcing a company buyout, or liquidating assets. The outcome of this structure, is that the creditor merely holds a piece of paper stating they get paid if money is ever distributed. However, the managers of this LLC structure can simply decide to never make a distribution, effectively preventing the creditor from collecting any money.

If the Wyoming LLC is ever pulled into litigation in Florida and a court applies a strict two-member requirement, the foundational structure of the Wyoming LLC, owned jointly by the husband and the wife, ensures the holding company will withstand multi-member scrutiny.

Florida LLC - The Operating Company

The Wyoming LLC and the Trust are utilized to form the Florida LLC and execute an attorney drafted operating agreement. This strategy is called entity layering. The Florida LLC acts as the operational entity responsible for managing tenants, and handling daily business operations. Because the Florida LLC interfaces with the public, it is exposed to risks such as accidents on the property and tenant disputes, it is positioned specifically to absorb this liability. The operating entity is adequately capitalized for operations, yet it remains thin in net equity to limit potential loss.

What is Business Entity Layering?

Business entity layering is an advanced asset protection framework that utilizes a multi-tiered structure to isolate operational liabilities and safeguard accumulated wealth. Rather than exposing high-value assets such as real estate and cash reserves to the risks of daily operations, this strategy separates what you own from what you do.

By establishing a secure holding company to house your core assets that is separate and distinct from your operating company, which manages risk-facing business activities, you create robust legal barriers. If an operating company faces a lawsuit or financial claim, these legal boundaries compartmentalize the risk. This prevents the liability from climbing upward to your holding company, spreading sideways to your other business ventures, or threatening your personal assets. This layered entity structure creates a strong legal barrier that deters litigation, maximizes privacy, and prevents cross-collateral risk across your entire portfolio.

Wyoming LLC 1 - The Holding Company

In this hypothetical scenario, the husband and wife utilize Wyoming LLC 1 to advance capital to the Florida LLC for purchasing the investment real estate. This is done to protect the couple's underlying principal from the operational risks associated with a rental property using a strategy called equity stripping.

What is Equity Stripping?

Equity stripping is an asset protection strategy that removes the built-in value (equity) from a vulnerable business asset using a senior secured lien, such as a mortgage. The risk-facing Florida LLC is stripped of its equity by the Wyoming holding company. The Wyoming LLC provides the underlying financing and holds the equity, completely isolated from the Florida operational risks. To protect the holding company, the loan must be properly secured by a recorded mortgage in the local Florida county records. This establishes the Wyoming LLC as a senior secured creditor, insulating the property's value from operational liabilities. In many cases, this will discourage a plaintiff from pursuing a lawsuit against the Florida LLC because public records will show that the asset is heavily encumbered by debt. 

Why Use a Florida LLC to Purchase the Property?

A Florida LLC is used because the real estate generates rental income within the state, which legally constitutes conducting business. Real estate is a physical asset governed strictly by the laws of the jurisdiction where it sits. Because the real estate is a tangible asset located in Florida, the entity holding title must be registered or authorized to do business in the state. This is important because you must utilize local Florida courts to evict a tenant or enforce a lease. If you form a Wyoming LLC to directly own the Florida property, Florida law classifies the out-of-state entity as a foreign LLC. This forces you to register it locally as a foreign entity, creating unnecessary complexities and public disclosure footprints. In this structure, the Florida LLC is the operating company conducting business on the ground, and the Wyoming LLC serves as the protective holding company.

How is the Asset Protected?

If, for example, the husband, wife, or one of their children is involved in a car accident, a plaintiff's attorney will run an asset search. A visible rental property shows wealth and makes the family an attractive litigation target. Similarly, a personal creditor of the couple would view real estate as a primary target to satisfy their claim. These claims are known as outside liabilities. The Florida LLC protects the rental property from outside liabilities, which include any creditors or judgments filed against the husband or wife personally. Because the membership interests are secured with the multi-member holding structure, a creditor cannot easily reach the property to satisfy a judgment or force a foreclosure sale. The Trust can also serve to protect the asset, however, this is beyond the scope of this example. Please don't hesitate to schedule a consultation appointment. 

How is Liability Contained?

When the Florida LLC owns the property directly, any claims arising from the property itself become claims strictly against the LLC. These are known as inside liabilities (risks tied directly to the physical real estate, such as a slip-and-fall). The Florida LLC limits these claims to the value of its equity. Because the property is heavily encumbered by the intercompany mortgage held by the Wyoming LLC, the Florida operating LLC shows little to no net equity. Therefore, a lawsuit targeting the property ceases to make financial sense. The LLC successfully contains the liability. Any judgment flows to the Florida LLC, not to the couple or to the Wyoming LLC. Owning the rental property through an LLC creates a clear legal barrier between the property’s risks and the couple’s personal assets. When purchasing additional rental properties, it is our practice to set up a new, separate LLC for each individual property to limit cross-liability exposure and prevent a larger pool of assets from being placed at risk. 

• FL 12345 LLC 

• FL 12345 LLC → Wyoming LLC 1  

• FL 12345 LLC → Trust 

Key Principle: privacy as protection, by keeping names out of public records limits what potential claimants can see. If a plaintiff’s attorney can’t connect your name to valuable assets, the incentive to pursue litigation drops dramatically.Wyoming is a preferred state for this strategy because:

• Wyoming does not require LLC members to be listed in public filings

• Wyoming LLCs offer strong charging order protections for members

• The state has well established, business friendly laws

• Multiple layers secure privacy 

In this structure, ownership interests flow to the trusts. Each trust passes the couples interests to their children according to their terms without the need for probate administration. The husband has assigned his interest in Wyoming LLC 1 to the H Trust and the wife has assigned her interest to the W Trust. In this structure the H Trust and the W Trust each holds the interests assigned from Wyoming LLC 1. Wyoming LLC 1 and the Trust each own an interest in the Florida LLC that owns the rental property. Multiple layers and separate entities provide privacy and protection while limiting liability. We create trusts that are tailored to each client's specific objectives.

Wyoming LLC 2 is formed for the couple's investment accounts. A new LLC account is opened and the selected investments are transferred in kind. H Trust and W Trust are named as the beneficiary on the accounts. This strategy achieves privacy and protection. The members (owners) of the Wyoming LLCs are not listed publicly, further, the trusts are not recorded in public records, effectively hiding ownership of the investment accounts. 

A separate trust, named the H & W Trust is established. The purpose of the joint trust is to hold the couple's primary residence and maintain their homestead protections. The deed is transferred to the H & W Trust. Public records will then reflect the owner of the property is H & W Trust, not the couple's names.

The Husband Trust and the Wife Trust each hold interests assigned from Wyoming LLC 1. Wyoming LLC 1 and the Trust are members of the Florida LLC. The Florida LLC owns the rental property. A separate Wyoming LLC 2 is formed for the couple's investment accounts and the interest is held by the H Trust and W Trust. The couple's homestead property is deeded to the joint H & W Trust. 

• The couple's names do not appear in any public filing, hiding ownership of their assets

• Rental Property → FL 12345 LLC 

• FL 12345 LLC  → Wyoming LLC 1 

• FL 12345 LLC → Trust 

• Wyoming LLC 1 → H Trust, W Trust 

• Wyoming LLC 2 Investment Accounts → H Trust, W Trust 

• House → H & W Trust

A well-drafted operating agreement is critical to leveraging LLC protections. Without one, creditors or plaintiffs’ attorneys can successfully petition the court to disregard the entity, a process known as 'piercing the corporate veil'. This strips away your personal liability protection, treating the entity and its assets as your personal property and creating a much larger pool of assets you could lose.

This is an outcome we see too often when individuals attempt a do-it-yourself approach without legal counsel. This is exactly why you should work with an attorney experienced in asset protection. Simply forming an LLC does not protect your assets; without the critical legal framework in place, your wealth remains entirely exposed to liability.

The operating agreement governs many aspects of an LLC, defining ownership and outlining financial and structural rules, including how and when distributions are made. Unfortunately, many of the generic agreements available online can be harmful to unsuspecting business owners. Because of the terms they contain, these generic templates have the potential to produce disastrous outcomes.

For example, a generic operating agreement containing a mandatory distribution clause may appear harmless on its face because it ensures members receive funds. However, if a creditor obtains a charging order against one of the members, any distribution the LLC makes to that member must go directly to the creditor. A mandatory distribution clause forces the LLC to pay out funds, inadvertently helping the creditor seize the money. Furthermore, if the other members vote to distribute funds to themselves, the clause forces a matching distribution to the debtor-member, sending that money straight to the creditor. This disastrous outcome could have been avoided entirely with a discretionary or non mandatory distribution clause. The lesson here is clear: generic documents can harm you more than they help you. Protecting your assets requires a carefully drafted operating agreement.

A well-drafted agreement includes strategic protective clauses missing from generic documents. For instance, if an LLC member is subject to a charging order, a lien on funds distributed by the LLC to that member, a discretionary distribution provision can block the creditor from collecting. With this provision in place, the creditor holds a piece of paper granting them rights to distributed funds, but the LLC simply chooses never to distribute money. The wealth stays safely inside the business, while additional provisions can outline alternative methods for the member to legally receive funds. 

We meticulously draft your LLC operating agreement to shield your business. Our tailored agreements prevent creditors from seizing your membership rights, including your vital voting and management control. Furthermore, we construct powerful asset protection barriers that block creditors from forcing the sale of your business assets or liquidating the LLC itself.

We have provided this information to illustrate the depth of work and attention that is required to protect what you have built. Please note that this is a general example and may not be appropriate for your specific situation. The underlying lesson remains: generic documents can harm you more than help you, often making it easier for a creditor to seize your money. You should always engage a skilled asset protection attorney who understands your specific objectives to form your LLC and draft your operating agreement.

Note: Personal transactions such as paying for a vacation should not be made from the LLCs. A proper distribution is required to preserve legal protections. Courts are less likely to uphold the protections of an LLC if the couple were to use the LLC bank account for personal use. It is referred to as 'piercing the veil' as mentioned above. Commingling of personal and business  funds is a consideration courts make when deciding whether to allow piercing the veil of an entity. Courts may pierce the veil to make a holding company liable for a subsidiary LLC's debts if the subsidiary is a mere alter ego. This means the holding company ignored the LLC's separate identity to commit fraud or avoid paying debts.These strategies are not intended to be used for any illegal purpose. Please seek legal counsel before attempting any strategy.

Note: Additional steps are required for a DSCR loan (Debt Service Coverage Ratio), Fannie Mae, and Freddie Mac mortgages. Transferring a property with a conventional mortgage into an LLC is generally permissible without triggering the due-on-sale clause, provided the loan is held by Fannie Mae or Freddie Mac. However, both agencies have specific requirements regarding LLC ownership, seasoning, and operating agreements. Both Fannie Mae and Freddie Mac permit borrowers to transfer a mortgaged property to an LLC without triggering a due-on-sale clause, provided the borrower retains a controlling interest in the LLC. If the lender still holds the mortgage because it was not transferred to Fannie or Freddie then the bank can exercise the due on sale clause. 

A land trust is often used in scenarios where a client already owns a property in their personal name and there is debt on the property. The land trust is established and the property is transferred to the trust. The land trust’s name and trustee's name appears on the new deed in the public record. To preserve anonymity, a nominee trustee is required. Clients can elect to have an attorney act as the nominee trustee to protect their privacy. The attorney is listed in public records, not the couple. The land trust can then be assigned to the LLC. A land trust combined with an LLC provides stronger asset protection. An LLC offers protection from creditors by shielding your assets from liability tied to the property. Please see the diagram below, which illustrates how the land trust is integrated into the structure. 

Why use a land trust?  A land trust is a well established privacy tool. Because the trust’s name appears on the deed rather than an individual’s, a title search or property records search will not reveal the couple as the beneficial owners. Legal counsel is required to evaluate and plan for your specific objectives. 

• The couple’s names do not appear on the deed or  in the county property records

• The land trust’s name is intentionally generic and non-identifying

• Beneficial ownership remains with the couple through the trust structure

Key privacy benefit: Property records are among the most commonly searched public databases. Creditors, plaintiffs’ attorneys, and data aggregators routinely search county records by owner name. A land trust breaks that chain, a search returns the trust, not the individuals behind it.

Once the land trust is executed, a Florida LLC is created to hold the land trust. The Florida LLC is formed with Wyoming LLC 1 and the Trust as its members, reflected in the diagram. This positions the LLC as the entity that controls the land trust, and, by extension, the rental property. Any liability arising from the property flows to the LLC, not to the couple personally. The Florida LLC’s formation documents name the Wyoming LLC as the manager and the attorney as the authorized representative. 

In this structure, all ownership interests flow to the trusts. Separate entities and multiple layers increase protection and limit liability. In this structure Wyoming LLC 1 and the Trust each own an interest in the Florida LLC that holds the land trust, which holds the rental property. The H Trust and W Trust each hold interests in Wyoming LLC 1  and Wyoming LLC 2 . The H & W Trust holds the couple's homestead property. This multi-layered asset protection strategy combines privacy-focused LLC structures and integrates trusts to facilitate transfer of wealth. 

• Rental Property  → Land Trust  →  FL 12345 LLC  

• FL 12345 LLC →  Trust

• FL 12345 LLC → Wyoming LLC 1  → H Trust, W Trust

• Wyoming LLC 2 Investment Accounts → H Trust, W Trust

• House→ H & W Trust