Asset Class

An Employee Stock Ownership Plan (ESOP) is more than just a retirement benefit. ESOPs are a key part of powerful business and succession planning strategy. Unlike an ESPP, which involves buying stock, an ESOP is primarily funded by the company, either through contributions of stock, or cash to buy stock. For business owners, ESOPs can serve as a way to gradually transfer ownership, gain liquidity, and reward employees who help build the company’s success. For employees, ESOPs create an own

An Employee Stock Purchase Plan (ESPP) is a benefit offered by many public companies that allows employees to purchase company stock at a discounted price, often through automatic payroll deductions. ESPPs can be a powerful tool to build wealth over time when used strategically, especially for employees aiming to invest in their company while optimizing tax benefits. How ESPPs Work Employees opt into the ESPP during specified enrollment periods and select the percentage of their paycheck to con

An asset protection trust (APT) is a lawful estate planning vehicle designed to shield assets from unknown future creditor claims, lawsuits, or judgments by placing those assets in a trust governed by enforceable spendthrift protections. Depending on the structure, an APT can let the settlor benefit from trust assets while reducing the risk that creditors can reach them. APTs range from offshore structures to Domestic Asset Protection Trusts (DAPTs) which are legal in certain states. How Does a