- Call us today! 559-431-6800
- Call us today! 559-431-6800
If you’ve worked hard to build something—whether it’s a family home in Clovis, farmland outside town, or a small business you’ve poured years into—you probably want to make sure it stays protected. That’s where asset protection comes in.
Most people don’t think about protecting their assets until something scary happens. Maybe it’s a lawsuit, maybe it’s unexpected medical bills, or maybe it’s just that nagging feeling that things could change overnight. The truth is, the time to think about asset protection is before there’s a problem. That’s not about being paranoid—it’s about being smart with what you’ve worked so hard to earn.
At Barrus and Roberts, PC, we’ve seen how quickly a family’s financial security can unravel when assets aren’t protected. We’ve also seen the relief people feel when they finally get a plan in place. If you’re curious about what this could look like for you, you can always learn more through www.brlawyer.net.
“Asset protection” is just a fancy way of saying you’re putting safeguards in place so your property, savings, and investments aren’t wiped out by an unexpected event. That could be anything from a lawsuit to divorce to long-term care costs.
Think of it like locking your front door at night. You don’t do it because you’re convinced someone is going to break in tonight—you do it because it’s a simple way to keep your home safe. Asset protection is the same idea, just applied to your finances and property.
Living in Clovis comes with its own set of circumstances. Many families here own farmland, rental properties, or small businesses. These are assets that can be both valuable and vulnerable. If you own land, you might be dealing with liability issues. If you rent out homes, a tenant dispute could turn into a lawsuit. If you run a business, you’re constantly balancing growth with risk.
I once spoke with a local business owner who never thought twice about protecting his personal property. Then, after an accident at his business, he found himself facing potential liability that could have threatened his family’s home. Thankfully, he was able to take steps before it was too late, but that experience shook him. It’s a reminder that in a place like Clovis—where people often blend business and personal life—protection matters.
Asset protection isn’t one-size-fits-all. The strategies depend on what you own, your family situation, and your long-term goals. Some common tools include:
Trusts. These can help shield assets and provide more control over how they’re passed on to future generations.
Business entities. Forming an LLC or corporation can separate your personal assets from your business liabilities.
Insurance. Liability insurance, umbrella policies, and other coverage can provide an extra safety net.
Estate planning. Wills, powers of attorney, and healthcare directives tie into asset protection because they reduce uncertainty and conflict.
Retirement accounts. Certain retirement plans have protections built into them under California law.
When you look at these options all at once, it might feel overwhelming. But the good news is, you don’t have to do everything at once. The right plan often comes together step by step.
One of the biggest mistakes we see is waiting until something bad has already happened. If you’re already being sued or facing bankruptcy, many asset protection strategies are off the table. The law doesn’t allow you to simply move things around to avoid creditors after the fact.
Another mistake is assuming a trust or will automatically protects everything. Those tools are valuable, but they have to be set up correctly to actually provide the protection you’re expecting.
Finally, some people rely too heavily on insurance alone. Insurance is important, but policies have limits and exclusions. A solid plan usually layers insurance with legal tools for broader coverage.
Asset protection isn’t just about money—it’s about peace of mind. When you know your home, savings, and property are secure, you can focus on living your life. You can take risks in your business, make investments, or plan for the future without that constant worry hanging over your head.
I’ve had Clovis families tell me that once they set up asset protection, they finally felt like they could relax. They weren’t looking over their shoulder every time a new bill came in or a tenant called with a complaint. That kind of confidence is worth more than the paperwork it takes to get there.
There are a lot of attorneys who can talk about asset protection in broad strokes, but living and working in Clovis adds context that matters. Here, many families deal with farmland, agriculture-related businesses, and multi-generational property ownership. What works for a tech family in San Francisco might not make sense for a farming family in the Central Valley.
At Barrus and Roberts, PC, we focus on solutions that make sense in this community. We’ve sat down with farmers, teachers, retirees, and business owners—all with different concerns but the same desire to keep what they’ve built safe.
A Clovis couple came to us worried about what might happen if one of them needed long-term care. They’d saved carefully their whole lives, owned their home outright, and had a small rental property for extra income. Their biggest fear was losing everything to medical bills down the road.
We helped them put together a plan that gave them protection while still allowing them flexibility. They left our office feeling lighter, like a weight had been lifted. That’s the difference a thoughtful approach can make.
If you’re in Clovis and thinking about asset protection, it’s not about being fearful—it’s about being prepared. At Barrus and Roberts, PC, we take the time to understand your situation, explain your options in plain language, and put a plan in place that feels right for you.
Some people come to us with a clear idea of what they want. Others just know they need to “do something” but aren’t sure what that means. Either way, we’re here to guide you through it.
You can always reach out to us through www.brlawyer.net. Whether you just want to ask a few questions or you’re ready to put a full plan in place, we’re here to help.