BRADLEY LEGAL CORP

OFFICE: 503-773-0077 info@btblegal.com www.btblegal.com

THE PRIVATE RETIREMENT TRUST�

Integrating Asset Protection into Your Retirement Planning

PROTECTING YOUR WEALTH FOR RETIREMENT

As a California resident, you benefit from the

exceptional quality of life that living here offers. But

protecting your money from lawsuits and bankruptcies

is not one of those benefits. This state imposes some

of the highest taxes in the nation, is highly litigious

and provides very little asset protection from

creditors and predators. However, under a little-known

California statute, you have a powerful asset protection

tool, the Private Retirement TrustSM (PRTSM). When

implemented properly, a PRTSM exempts all retirement

assets from creditors, including bankruptcies and

lawsuits. This means you can protect much of the

wealth you have worked so hard to build so that it will

be there for you in retirement.

WHO NEEDS A PRT�?

► Business owners and entrepreneurs

► Executives

► Professionals

► Physicians and dentists

► Real estate developers

► Anyone with major risk exposure

to potential lawsuits or other legal threats

HOW IT WORKS You are protected under a little-known but powerful statute.

Section 704.115 of the California Code of Civil Procedure

fully exempts all assets in a private retirement plan from

creditors and predators as long as those assets have been

proven necessary for your retirement. A PRTSM, which is

inside your private retirement plan, holds and manages your

assets with attributes that are both flexible and user friendly

for business owners. Unlike traditional retirement plans, such

as 401(k)s or IRAs, which have statutory limits in their

protection under California law, the PRTSM offers absolute

creditor protection. In addition, the PRTSM allows you to fund

your active private assets to the PRTSM that would not

otherwise qualify under the traditional retirement plan model.

You can establish your PRTSM in three easy steps:

1. Create a private retirement plan and corresponding trust

(PRTSM).

2. Fund your PRTSM with select eligible appreciating assets,

which acts to re-characterize those assets as “exempt”

under CCP 704.115.

3. Hire a competent third-party trust administrator for your

PRTSM annual plan management, asset valuation and critical

record keeping.

WHY SHOULD YOU CHOOSE A PRTSM?

Ø Compared with traditional foreign and

domestic asset protection strategies,

the PRTSM is more cost effective,

flexible and easier to maintain.

Ø The PRTSM allows Californians to

convert their exposed personal assets

to exempt private retirement assets by

simply enhancing (using in advance)

their California exemption.

Ø It protects both retirement and private

assets against creditors in lawsuits

and bankruptcies.

Ø It has no annual contribution limits as

long as you can prove a need for the

amount of retirement savings.

Ø It has no funding limits as long as the

assets meet the retirement

requirements.

Ø It has no early distribution penalties

(before age 59½) or required

minimum distribution (RMD) penalties

(after age 70½).

To determine how much you can benefit from protecting your assets using a PRTSM, contact

Brian T. Bradley, Esq., at 503-773-0077 or info@btblegal.com or www.btblegal.com

Brian T. Bradley is the owner of Bradley Legal Corp. and has been featured on many of the top

investing, real estate, financing, and cash flow podcasts. Mr. Bradley’s practice emphasizes the

areas of advanced estate and exemption protection planning; strategic planning, trust

administration; business formation; high stakes litigation; and legal consulting.