Free Assessment
Your 7-Point Asset
Vulnerability Self-Assessment
A diagnostic tool for business owners with $2M+ net worth. Identify the specific gaps in your current protection before a creditor does it for you.
Why This Exists
The protection gap most business owners don't see
Most business owners believe their current structures provide adequate protection. They have formed LLCs, purchased insurance, and created basic estate planning documents. These steps are prudent — but they often leave significant gaps.
Your advisors have different jobs
Your CPA focuses on tax efficiency. Your business attorney handles contracts. Your insurance agent sells policies within predetermined limits. None of them are focused on whether your overall structure holds up when tested by determined creditors.
Business formation and asset protection are not the same thing
An LLC provides liability protection only when properly maintained. A single-member LLC offers particularly weak protection. Insurance has limits. Revocable trusts offer no creditor protection whatsoever. This assessment identifies where the gaps actually are.
Timing is everything — and it works in reverse
Protection must be in place before a claim arises. Once litigation begins, most protective options disappear or become legally assailable. This assessment helps you understand where you stand before a problem forces the question.
Vulnerabilities that only show up in court
After four decades in bankruptcy court and tax litigation, Mark Pierce has seen exactly how protective structures fail when challenged. This assessment is built around the vulnerabilities he observed — not legal theory.
What's Inside
Seven assessment points, one vulnerability score
Each section examines a different dimension of your exposure. At the end, a scoring system tells you where you stand — and what requires immediate attention.
Business Structure Vulnerability
Whether your entities actually protect you — or whether the corporate veil has been quietly compromised by how you operate.
Personal Asset Exposure
Which of your personally held assets are directly reachable by creditors, and what joint ownership arrangements create additional exposure.
Litigation Risk Profile
The specific business activities, roles, and relationships that raise your probability of facing a lawsuit — and how risk factors multiply together.
Insurance Gap Analysis
Where your coverage falls short, what exclusions exist in your policies, and why insurance alone is not a complete protection strategy.
Timing and Fraudulent Transfer Risk
How close you are to circumstances that would make protective transfers legally risky — and what the relevant statutory windows mean for your situation.
State Law and Privacy Vulnerability
How your current state's laws compare to Wyoming's — and where public disclosure requirements create exposure that most business owners don't know about.
Estate Planning Integration
Whether your estate plan actually protects your wealth, or whether it focuses on tax efficiency while leaving you and your beneficiaries exposed to creditor claims.
Your Vulnerability Score
A cumulative scoring system that identifies whether your situation is moderate, significant, high, or critical — and what that means for how urgently you should act.
Scoring
What your score indicates
The score itself is less important than the specific vulnerabilities it surfaces. Every identified gap represents a potential path for creditors to reach your assets — and every gap can be addressed, but only before claims arise.
You have some exposure that warrants attention. Addressing these vulnerabilities now will strengthen your position before issues arise.
Your current protection has meaningful gaps. You should prioritize implementing protective strategies in the near term.
Your assets face substantial exposure. Immediate action to implement comprehensive protection strategies is advisable.
Your situation requires urgent attention. Multiple vulnerabilities create compound risk that should be addressed immediately.
About the Author
Mark Pierce has spent more than four decades in practice — not drafting trusts from a distance, but litigating them. His background includes work as a bankruptcy trustee, tax court litigator, and CPA, which means he has spent years on the side of the table that attacks wealth structures, not builds them.
This assessment was built around the vulnerabilities he observed in that role — the gaps that only become visible when a structure is challenged in court, the formalities that get skipped, the insurance policies that don't cover what owners assume they do. Most of the clients who came to him too late had advisors who were doing their jobs correctly. None of those advisors were focused on this.
Every engagement is handled personally by Mark. He does not delegate the design or drafting of trust documents.
The right time to build protection is before you need it.
Most people wait until there's a reason to act. By then, the window for meaningful protection has often already closed.
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