If you got sued today, could you be financially ruined tomorrow? What is a C.A.L.M. Plan?
If this question makes you anxious and uncomfortable, you need to "Get 
C.A.L.M.!"
When you "Get C.A.L.M.!" you have a "Comprehensive Asset & Liability Management" Legal Plan that coordinates your Insurance, Asset Protection and Legal concerns and saves you money.
The C.A.L.M. Lawyer Management Organization (LMO) Helps you:
1. Solve Legal Problems Early and Inexpensively
2. Protect Your Assets and Grow Wealth
3. Reduce Your Cost of Insurance
A C.A.L.M. Plan is a "Comprehensive" legal plan that helps you protect your assets, your family, your business and your livelihood from the risks of lawsuits. A C.A.L.M. Plan is the only legal plan that shields your assets from the claims of creditors with an expert team of legal and financial professionals who can help you solve your legal problems before legal costs escalate and insurance premiums increase.
The C.A.L.M. Plan provides the services of a team of highly skilled professionals who use our proprietary Lawyer Management Organization (LMO™) system to reduce your cost of legal services. Your LMO legal team has broad experience in many important legal areas, including: Financial, Insurance, Health Care, Real Estate and Technology.
You’ve got an important decision to make. Do you need your service providers to work together, as a TEAM, for your benefit, to help you achieve your financial goals?
You probably have lots of service providers such as insurance agents, lawyers, accountants, financial advisors and other professionals working for you and making money from you. But, are these service providers really working together as a TEAM to help you achieve your financial goals? Are your insurance professionals, lawyers and accountants working together as a TEAM to help you avoid lawsuits and possible financial ruin? If not, you need a C.A.L.M. Plan.
When you use a C.A.L.M.-certified LMO Attorney, you have access to an attorney who knows how to use asset protection and our proprietary LMO Conflict Management Process to help you solve your legal problems early and inexpensively.
C.A.L.M.- certified legal professionals work for you at reduced rates under the supervision of your LMO Attorney who is knowledgeable about asset conservation and protection as well as about litigation, mediation and risk management. The LMO Attorney helps you avoid legal problems before they occur and resolve those legal problems that do occur as early and inexpensively as possible.
As a "C.A.L.M." Plan Member, you have a Comprehensive Asset & Liability Management TEAM that coordinates your insurance and asset protection program. You have a total package to protect your financial security.
For example, Dr. GB had a furnace puff back in his house after a defective boiler installation. The furnace caused almost $300,000 in damage to his house and personal property. The insurance companies refused to pay, until Dr. GB filed a lawsuit. After three years of litigation, Dr. GB’s attorney "strongly recommended" that GB settle the case for $130,000 and release the insurance company from liability for the other $170,000 in damage.
By the time the case was settled, Dr. GB’s legal bills exceeded $100,000. Finally, his insurance (after legal expenses) paid $30,000 ... only 10% of his actual costs for damages. Read Dr. GB’s TESTIMONIAL and learn how Dr. GB’s family was rescued by his C.A.L.M. Plan.
Use "C.A.L.M." to help resolve your insurance claims within your policy limits. In the case of Dr. GB, this benefit, alone, was worth over $100,000. Nationally recognized Asset Protection Attorneys are highly qualified to protect your home and personal assets against loss while reducing your cost of legal representation, should a claim exceed your policy limits.
Reduce Your Cost of Resolving Disputes with Your Insurance Company
Should you have a problem with your insurance company you need a C.A.L.M. Plan. Through the C.A.L.M. Plan LMO, you will have access to an LMO Attorney who helps you "fill the gaps" in your insurance policies and legal protection program. You probably pay many thousands of dollars for all types of insurance coverage…. auto, homeowners, disability, life, health, etc.
Have you ever had to go through the nightmare of having an insurance claim denied? You can work with your LMO Attorney, as a TEAM, to avoid a legal battle with your insurance company and prevent financial losses. If you spend over $10,000 per year on insurance, you need a C.A.L.M. Plan which includes a 'Comprehensive' Asset Management Evaluation by a Certified Asset Protection Planner.
Get the help you need and understand how to reduce your risks, before it’s too late! Your C.A.L.M. Plan will protect your assets from claims and help you grow wealth with asset protected and tax advantaged legal strategies and structures. Also, you will receive expert advice to reduce your insurance costs by resolving problems early and inexpensively.
Reduce Your Cost of Insurance With Asset & Liability Management
After you are asset protected for five years, it is possible to reduce your cost of liability insurance by thousands of dollars. Add those thousands of dollars to your asset management plan and retire sooner … "C.A.L.M." and stress free!
The first step: Buy your C.A.L.M. – Level 1: Basic Legal Plan and Asset Management Evaluation: Click here and "Buy Now"
If someone you love may have to go into a Nursing Home in the near future, you need a C.A.L.M. Plan
Most health insurance policies do not cover long stays in a Nursing Home. If you, or anyone in your family, become a resident of a nursing home, will you be able to afford it? To receive benefits, you must be almost penniless before Medicare and Medicaid will take care of the costs. These expenses can exceed $100,000 per year!! If you don’t have a TEAM of professionals who can help you to provide for a family member’s Nursing Home care without losing your wealth, you need a C.A.L.M. Plan.
If you Eventually Plan to Sell Your Business, You Need a C.A.L.M. Plan to Reduce Business Risks and Increase Income.
How well do you cope with all the risks and liabilities you face daily in your business? How are you protected in your dealings with business partners, employees, vendors and investors? How are you protected if you participate in a Joint Venture business or partnership? What is your liability if you sell your business and the buyer sues you for a refund? What kind of insurance is available to protect you from being financially devastated from these possibilities?
One of our Legal Specialists reported this actual case: A "Fully Asset Protected" dentist sold his practice to a Management Company. Two years later, the buyer sued the dentist, tried to renege on the deal and get its money back. Without asset protection, the dentist would have been wiped out financially. Because he did not have a C.A.L.M. Plan, the dentist had to pay almost $70,000 in legal fees before the lawsuit was resolved. If he had consulted early with a team of C.A.L.M. –certified attorneys and used our proprietary LMO Conflict Management Process, he probably could have saved at least $50,000 in legal expenses.
You need a TEAM of professionals who work together to help you maximize your financial rewards when you sell your business and protect your wealth. You need a C.A.L.M. Plan.
What about planning for retirement?
You must protect assets needed to support you and your family during retirement. If you don’t have a TEAM of professionals who can help you to protect yourself against the risk of economic ruin by our litigious society, you need a C.A.L.M. Plan.
If you are a high-risk physician, you need "C.A.L.M."
If you are a Medical Doctor, you are exposed to the risk of lawsuits. Our C.A.L.M. Plan TEAM includes high risk doctors, such as Obstetrician/Gynecologists. Ask about our special program for Ob/Gyns and other High Risk Specialists that can redirect a portion of your medical malpractice insurance premiums (which can exceed $150,000 per year and climbing) to increase your net worth substantially over the next 10 years by a Million dollars or more!
If you are a physician or other healthcare provider, you need to avoid litigation at all costs. Many Physicians involved in litigation reported that they became severely depressed and lost their self-esteem and good reputation in the community. They developed negative feelings about their patients and colleagues and became upset at the loss of their valuable time. Considerable funds were lost through increased insurance premiums. If they lost a case and the judgment was in excess of their insurance policy’s coverage limits, they were financially devastated. Some even went BANKRUPT!!
If you are a licensed professional or businessperson who is concerned about the risk of litigation and being wiped out financially by a lawsuit, you need a TEAM of professionals who can help you to protect yourself against the risk of financial ruin by our litigious society. You need a C.A.L.M. Plan.
If you are a Nursing Home Owner, you need "C.A.L.M."
If you are a Nursing Home Owner, we have C.A.L.M. Plan team members who are Nursing Home Owners as well!! Ask about our special program for Nursing Home Owners that can transform your accounts receivable and company stock into an asset protected wealth management program. If you have not yet discovered unique wealth management strategies for you, as a Nursing Home Owner, to increase your personal net worth by a Million dollars or more, you need a C.A.L.M. Plan.
If you are a Licensed Real Estate Professional or Real Estate Investor, you need to "Get C.A.L.M!"
If you are a Realtor®, Mortgage Broker or a real estate investor ... or if you just own two or more homes, we have C.A.L.M. Plan team members who specialize in the real estate industry!! Ask about our special program for Real Estate Investors that can transform your real estate investments into an asset protected wealth management program to grow retirement savings tax-free and asset protected! If you have not yet discovered unique wealth management strategies for you, as a Real Estate Investor, to increase your personal net worth by a Million dollars or more, you need a C.A.L.M. Plan.
If you have any assets that are worth protecting from the risks of lawsuits, you need a C.A.L.M. Plan
It’s time that you started to: "Avoid Lawsuits - Get C.A.L.M.!"
The first step: Buy your C.A.L.M. – Level 1: Basic Legal Plan and Asset Management Evaluation: Click here and "Buy Now"
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If you want some more in-depth education, we encourage you to “Discover Secrets of Self-Made Millionaires”
In this book: "Discover Secrets of Self-Made Millionaires," author, Adam Khoo writes: "As it is beyond the scope of this book, I highly recommend that you engage such professionals who will help you use a variety of tools like insurance, trusts and offshore accounts to ensure no one or nothing can touch your wealth once you have built it."
This book provides a good educational foundation for any person who wants to learn the fundamentals of Wealth Accumulation and wisely tells you to HIRE PROFESSIONALS TO HELP YOU!!! That's a good thing, since an "offshore account" can get you into serious legal trouble (especially since the passage of the Patriot Act and the "War on Terrorism")!
The C.A.L.M. Plan provides inexpensive access to C.A.L.M.-certified Lawyers who you can depend on to achieve your Asset Protection and Wealth Management goals.
