Kozol Asset Protection

Welcome to Kozol Asset Protection

Customized Planning

Searching for Financial Peace of Mind. Are you retired or approaching retirement? If so, you’re likely thinking about more time for family and leisure activities. Unfortunately, for some, retirement means financial stress, which can come from concerns about outliving cash flow and assets or what could happen if a chronic illness strikes. It can come from worries about protecting family legacies from passing to your surviving spouse’s next husband or wife, or to a future ex-son-in-law or ex-daughter-in-law. Finally, financial stress can flow from concerns about family disputes, which too often occur after an individual passes.

Protecting You. If you have concerns about these issues you’ve come to the right place. I specialize in helping retirees and individuals transitioning to retirement find ways to improve their retirement lifestyle. I do so by demonstrating easy to understand techniques that: (1) enhance, protect and extend retirement cash flows; (2) reduce income taxes;  (3) create a reservoir of funds that can be accessed should the client experience a chronic or critical illness and (5) preserve a substantial portion of life savings in the face of nursing home or assisted living expenses .

Protecting Your Heirs. I help my clients develop and implement estate plans that provide for the client’s surviving spouse and assure that assets not needed for this purpose pass to client’s children (from a past marriage or from the current marriage or both, as the case may be). In the case of a client who is divorced or whose spouse has predeceased him or her, the focus is on protecting wealth as it passes from one generation to the next. A primary goal here is to position assets so that they will be there for the client’s children and grandchildren but be beyond the reach of a future ex-son-in-law or future ex-daughter-in-law and beyond the reach of financial predators.

One Size Fits One

Create a Strategy That Works For You

My approach in working with a client is to review and update the client’s retirement and estate planning goals. The client, his or her financial/investment adviser and I work together to compare these goals to the client’s present position. We then discuss how the client can better position himself or herself towards achieving his or her goals. Finally, I formulate and document the client’s asset protection and estate plans – plans that are designed to help the client achieve financial peace of mind.

Asset protection can involve some or all of the following

Maximize Cash Flows

Maximizing cash flows from pension plans, 401(k) plans, IRAs and Social Security for the client and, if married, for his or her spouse.

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Reduce Income Taxes

Reducing taxes on the client’s pension income, 401(k) and IRA distributions and investment income.

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Protect Against Claims of Creditors

Protecting the client’s cash flows and assets from future creditors (an estranged spouse, personal injury lawsuit or extraordinary medical bills).

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Provide for Surviving Spouse, Children and Grandchildren

Protecting the client’s estate for his or her spouse (if married) and for his or her children and/or grandchildren.

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Get In Touch

I offer a free initial consultation. We can meet at my office in The Brooks Executive Suites, 9990 Coconut Rd, Bonita Springs, FL, 34135. We can also meet online if this is easier for you. If what I do sounds like something you’re looking for in an attorney, I encourage you to contact me through the form below or call me at (239) 266-5671.

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