Asset Protection Gap Analyzer · Free · 6 questions
Where is your wealth exposed? Six questions. One score.
A lawsuit, a probate court, or a lost password can each reach assets you thought were safe. Answer six questions about your business, property, estate plan, digital assets, and finances, and get an exposure score with one concrete fix per gap. The score shows instantly; the email is optional.
Sources: U.S. Census Bureau, Rental Housing Finance Survey 2021 · Caring.com 2024 Wills Survey · SBA Office of Advocacy, 2024 FAQ
The analyzer
Six questions, scored the way a plaintiff's lawyer would
Each answer moves you forward automatically; use Back any time, or press 1–3 on your keyboard. Higher scores mean more of what you own is reachable.
Do you own or operate a business?
Why we ask: a business is the most common source of a claim. Employees, contractors, vehicles, and clients on site all raise the odds.
Do you own real estate beyond your home?
Why we ask: a tenant's slip-and-fall reaches every asset titled in the same name as the property.
What happens to your assets if something happens to you?
Why we ask: without a trust, everything goes through probate, which is public, slow, and paid for out of the estate.
Do you hold digital assets: crypto, domain names, online businesses, or accounts with real value?
Why we ask: digital assets with no documented access die with the password. No court can recover a seed phrase.
What stands between a claim and your personal assets today?
Why we ask: this is the first layer. Without an entity, a business or property claim is a personal claim.
How separate are your business and personal finances?
Why we ask: an LLC only protects you if you treat it like a separate company. Mixed accounts are the fastest way a court sets the entity aside.
Your gaps, biggest first
Already covered
Email me this gap report + the checklist
One email with your score, every gap above with its fix, and our Business Trust & Private Structures guide (PDF). No calls unless you book one.
The score reflects your answers and general education about how liability, probate, and entity structures work. It is not legal, tax, or financial advice, and we are not a law firm. Insurance is not scored here; talk to an agent about umbrella coverage as well.
The six areas
What the score is made of
- Business liabilityHow likely a claim is, based on who you serve and who works for you.
- Real estateProperty titled in your name puts everything else in your name on the table.
- Estate planWill, trust, or nothing: what a court does with your assets when you cannot.
- Digital assetsCrypto, domains, and online businesses that vanish with a password.
- Entity layerWhether anything stands between a lawsuit and your personal accounts.
- Financial separationWhether your entity would hold up, or be pierced for mixed money.
Reading your score
Four bands, four different next steps
The number is 0 to 100. It is not a grade; it is how much of what you own a plaintiff or a probate court could reach today.
Well protected
Layers are in place. Keep them funded, keep the records clean, review yearly.
Moderate
The first layer exists, but something specific is still reachable. Usually one fix.
High
Several areas exposed at once. Sequence matters: entity first, then the trust.
Critical
Nearly everything is in your own name. A free call is the right next step before you buy anything.
FAQ
Questions people ask about the score
Is this legal advice?
No. The analyzer is education: it scores your answers against general rules about liability, probate, and entity structures. It is not legal, tax, or financial advice, and we are not a law firm. For your specific situation, work with a licensed attorney or tax professional. We prepare documents and filings once you know what you want.
Do I have to enter my email to see my score?
No. The score and the gap list appear the moment you answer the last question. The email box is optional: it sends the same report to your inbox with our Business Trust & Private Structures guide attached as a PDF. One email, no drip campaign.
Why is "self-employed" scored lower than "employees and clients on site"?
Because claims follow contact. A solo consultant working from home has fewer ways to be sued than a contractor with a crew, a truck, and customers on the property. Both should have an entity; the second one needs it more urgently.
I have an LLC. Why is my score not zero?
An LLC is the first layer, not the whole structure. It does not keep your name off public records, it does not avoid probate, and it protects nothing if business and personal money are mixed. The report shows which of those still applies to you.
Does the score include insurance?
No. Insurance is a real layer and often the cheapest one, but we do not sell it and cannot score it fairly. Treat umbrella liability coverage as a separate conversation with your agent, alongside whatever the report recommends.
Can I share my score with my spouse or advisor?
Yes. The "Copy a link" button gives you a URL that reopens your exact score and gap list. Your answers are also saved in your browser, so a refresh keeps your place.
Find out before someone else does.
A plaintiff's lawyer runs this analysis on you for free. Run it on yourself first, and close the gaps on your own timeline.
Get my exposure score