High-Net-Worth Planning
Significant wealth requires sophisticated protection. High-net-worth clients face challenges standard approaches cannot address: concentrated business interests, multi-state ownership, professional liability, federal estate tax risk, and the complexity of coordinating legal, tax, and financial structures.
- Layered protection across every asset
- Coordinate legal, tax, and financial strategy
- Minimize estate tax exposure
Free initial consultation. No pressure, just clear guidance.
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Tell us a little about your situation. We follow up within one business day.
Beyond Basic Asset Protection
Most asset protection planning addresses a single risk in isolation: one property, one business, one lawsuit. High-net-worth planning requires thinking about all of your assets together and designing a strategy that addresses every vulnerability at once.
A comprehensive plan typically combines irrevocable trust structures, entity planning, estate tax strategies, and ongoing governance into a single coordinated framework, each component working with the others rather than in isolation.
Most plans protect one asset at a time. High-net-worth planning protects all of them at once.
Creditor risk, estate tax, and succession addressed together, not as separate concerns.
Planning Priorities for High-Net-Worth Clients
A coordinated plan addresses every vulnerability simultaneously rather than solving for one risk and creating another.
Creditor Protection
Layered structures including DAPTs, offshore trusts, and entity planning create multiple barriers a creditor must penetrate sequentially.
Estate Tax Minimization
For estates approaching or exceeding the federal exemption, strategic gifting, dynasty trusts, and advanced transfer techniques reduce long-term tax exposure.
Multi-State Coordination
Assets in Idaho and California each carry different exposure profiles and fall under different state laws. A coordinated strategy addresses both.
Professional Liability
Physicians, attorneys, and executives face liability that follows them personally. Layered planning creates sequential barriers around personal assets.
Generational Wealth Transfer
Dynasty trusts, GRATs, and other techniques move wealth to the next generation efficiently while minimizing gift and estate taxes.
Business Succession Integration
For clients with significant business interests, protection planning integrates with succession so the business and personal estate work together.
Working With Your Advisors
Travor Moses has served as General Counsel for large Los Angeles-based businesses and franchisees. That background gives him the business perspective to work alongside your CPA, financial planner, and investment advisor as a true partner rather than an isolated specialist.
Effective high-net-worth planning requires all of your advisors to be aligned. Moses Estate Planning takes responsibility for the legal structures while making sure they complement your financial and tax strategy rather than creating conflicts or gaps.
Work directly with Travor Moses
Travor Moses is an estate planning and elder law attorney licensed in Idaho, California and Florida. When you reach out, you work with him directly, not a call center or an intake queue.
He explains your options in plain language and builds a plan around your family and your goals, not a fill-in-the-blank template. Initial consultations are always free.
Meet TravorSigns You Need High-Net-Worth Planning
- Your net worth exceeds $2 million
- You own a business with significant value
- You face professional liability as a physician, attorney, or executive
- You have assets in multiple states or jurisdictions
- Your estate may be subject to federal estate tax
- You want to transfer wealth to children or grandchildren tax-efficiently
- Your current advisors are not coordinating with each other
Our High-Net-Worth Planning Process
- 01
Comprehensive Assessment
We review all assets, entities, existing plans, and advisor relationships to understand the full picture before recommending anything.
- 02
Coordinated Strategy
We develop a protection and transfer strategy that addresses creditor risk, estate tax, and succession in a single unified plan.
- 03
Advisor Coordination
We work directly with your CPA, financial planner, and other advisors so the legal structures align with your overall financial plan.
- 04
Implementation
Trusts, entities, and transfer strategies are implemented in the correct sequence to maximize protection and minimize tax.
- 05
Ongoing Review
Complex plans require regular review as laws change, assets grow, and family circumstances evolve. We provide ongoing legal support.
Coordinate Your Entire Plan
Travor Moses brings a former General Counsel’s perspective to complex situations. Start with a free consultation.
Frequently Asked Questions
There is no hard threshold, but clients with estates above $2 million and meaningful professional or business liability typically benefit from a more comprehensive approach than standard estate planning provides.
They are closely related. Many of the structures used for asset protection, including irrevocable trusts and entity planning, also have estate tax benefits. A well-designed plan addresses both at once rather than treating them as separate concerns.
Yes. An Idaho DAPT can be structured to remove assets from your taxable estate while providing creditor protection. The interaction between DAPT provisions and estate tax rules requires careful drafting, which is why experienced legal counsel matters.
Yes, and often that is the most valuable work we do. Reviewing an existing plan to identify gaps, outdated provisions, and missed protection opportunities frequently produces significant improvements.
Sophisticated Planning for Complex Situations
Travor Moses offers free consultations to help high-net-worth clients build a coordinated protection and transfer strategy.