Estate & Legacy Planning

Asset protection for
high-liability careers

For physicians, estate planning starts with protection, not just transfer. We build it around the liability your career carries.

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Why it's different

Your liability is unlike other professions

Liability that follows you

Malpractice and personal-liability exposure reach further for physicians than almost any career. A judgment past your policy limits can touch personal assets.

Rules that change by state

Asset-protection law varies sharply, and physicians are often licensed across several states at once. The plan has to account for each one.

Protection comes first

For physicians, estate planning starts with shielding what you've built, before transfer, and well before a claim is ever filed.

How it's built

Protect, then pass it on

A physician's estate plan is built in order, each stage resting on the one before it.

Protect

Asset-protection trusts and entity structures that shield accumulated wealth from creditor and malpractice claims, designed around your state and your specialty's exposure.

Structure

Revocable and irrevocable trusts, ILITs and SLATs where they fit, plus a full beneficiary and titling review so assets move as you intend and avoid probate.

Transfer

Annual gifting, lifetime-exemption planning, and generation-skipping strategy, so wealth that arrives late and compounds fast reaches family rather than tax.

Legacy

Charitable vehicles and practice-succession coordination, aligning your giving, your taxes, and what you ultimately leave behind.

Why now

The work has to be done before a claim

Asset protection built in response to a lawsuit rarely holds, the structures that work are the ones already in place when a claim is filed. The same is true of transfer: the strategies that move the most wealth need years to do their work.

We design the strategy and coordinate with your attorney for the drafting, then revisit it as your net worth, your practice, and the law all change.

Common questions

Estate and legacy, answered

When should I start estate planning?

Once you have assets, dependents, and liability exposure, and as a physician you have all three, at minimum you need an asset-protection framework. The most expensive plans to build are the ones designed after a claim has already been filed.

I already have a will. Do I need a full estate plan?

A will handles what happens after death. An estate plan handles asset protection during your life, tax-efficient transfer, incapacity, and practice succession. For a physician with liability exposure and complex assets, a will alone leaves real gaps.

Do you work with my attorney?

Yes. We design the strategy and work with your attorney to draft the legal documents, trusts, wills, powers of attorney. If you don't have an estate attorney, we can recommend one familiar with physician-specific needs. The strategy comes from us; the drafting comes from counsel.

Are you a fiduciary?

Yes. alooola is a registered investment advisor (SEC firm #325090). We're fee-based and obligated to act in your interest, no commissions, no product sales.