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Read more about the article Umbrella Insurance for Asset Protection

Umbrella Insurance for Asset Protection

  • Post author:Beau Ruff
  • Post published:May 19, 2023
  • Post category:Asset Protection/Estate Planning/Financial Planning/Insurance/Real Estate

In the world of asset protection, one well-known concept to mitigate risk is to transfer the obligation for payment of a valid claim to another person. This risk mitigation is…

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Read more about the article Per Stirpes or Pro Rata? You probably want Per Stirpes

Per Stirpes or Pro Rata? You probably want Per Stirpes

  • Post author:Beau Ruff
  • Post published:December 1, 2022
  • Post category:Account Resources/Estate Planning/Family/Insurance/Investing/Legal

Periodically checking and updating beneficiary designations on retirement accounts and life insurance is prudent. The next time you navigate the online portal or the old school paper form to write…

Continue ReadingPer Stirpes or Pro Rata? You probably want Per Stirpes
Read more about the article Rethinking Asset Protection

Rethinking Asset Protection

  • Post author:Beau Ruff
  • Post published:September 1, 2022
  • Post category:Estate Planning/Insurance

Some readers have heard of personal asset protection strategies like trusts or limited liability companies. The draw to products like these is the supposed promise that your personal assets can…

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Read more about the article Remove Beneficiary Designations on Non-Retirement Accounts

Remove Beneficiary Designations on Non-Retirement Accounts

  • Post author:Beau Ruff
  • Post published:April 6, 2022
  • Post category:Account Resources/Estate Planning/Family/Insurance/Investing

Non-retirement investment accounts are often set up with wealth management firms. When the account is set up, there is an option to put a beneficiary designation on the account and…

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Read more about the article The Multi-Pronged Approach to Paying for Your Child’s Education

The Multi-Pronged Approach to Paying for Your Child’s Education

  • Post author:Beau Ruff
  • Post published:September 1, 2021
  • Post category:Education/Estate Planning/Family/Financial Planning/Insurance/Legal

As higher education costs continue to rise, it’s important to consider how best to fund your child’s or grandchild’s education. I propose a multi-pronged approach to utilize tax-advantaged 529 plans,…

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Read more about the article Family Car Doctrine of Liability

Family Car Doctrine of Liability

  • Post author:Beau Ruff
  • Post published:May 1, 2021
  • Post category:Asset Protection/Family/Insurance/Legal

From time to time, it is important to take stock of our own personal liability exposure and find ways to mitigate that liability. Liability exposure can creep into our lives…

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Read more about the article Land Acquisition and Hazardous Materials Pitfalls

Land Acquisition and Hazardous Materials Pitfalls

  • Post author:Beau Ruff
  • Post published:April 5, 2019
  • Post category:Asset Protection/Business Owners/ Executives/Insurance/Legal/Real Estate

When a person endeavors to purchase a piece of real property (i.e. land and any associated buildings), the purchaser would be wise to study up on the potential liability he…

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Read more about the article Protect Against the “Attractive Nuisance”

Protect Against the “Attractive Nuisance”

  • Post author:Beau Ruff
  • Post published:January 1, 2019
  • Post category:Asset Protection/Insurance/Legal/Real Estate

If you’ve ever driven past an abandoned house with rusted play equipment in plain sight and thought that it looked like a dangerous trap for unwary children, then you intuitively…

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Read more about the article Place Real Property in LLC for Protection

Place Real Property in LLC for Protection

  • Post author:Beau Ruff
  • Post published:January 1, 2019
  • Post category:Asset Protection/Business Owners/ Executives/Insurance/Legal/Real Estate/Taxation

Generally, in Washington state, income producing real property should be placed into a Washington limited liability company (“LLC”).  What is real property? Real property is any property that is of…

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Read more about the article Asset Protection Strategies

Asset Protection Strategies

  • Post author:Beau Ruff
  • Post published:March 1, 2017
  • Post category:Asset Protection/Estate Planning/Family/Financial Planning/Gifting/Insurance/Legal

We make money and we want to keep it. But, potential creditors are lurking around every corner. Perhaps it’s a professional malpractice claim. Perhaps it’s a divorce. Perhaps it’s a…

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Securities offered through LPL Financial, Member FINRA/SIPC. Investment Advice offered through Cornerstone Wealth Strategies, Inc.,
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* Beau Ruff, J.D., LL.M in Taxation, is a licensed, not practicing, lawyer

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  • (509) 396-0588
  • 8905 W. Gage Blvd. Suite 110 Kennewick WA 99336
  • info@cswsteam.com
  • Home
  • Who We Are
    • Our Story
    • Our Team
    • Our Community Impact
    • Our Accolades
  • What We Do
    • The Cornerstone Approach
    • Our Investment Philosophy
    • Our Distinct Process
  • Services
  • Resource Center
  • For Professionals
  • Contact us
  • Home
  • Who We Are
    • Our Story
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    • Our Community Impact
    • Our Accolades
  • What We Do
    • The Cornerstone Approach
    • Our Investment Philosophy
    • Our Distinct Process
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