This document discusses asset protection planning and summarizes various tools and strategies. It notes that most people only have some pieces of an asset protection plan in place. Effective plans use multiple entities and debt shields across different asset classes. Key protections include homestead exemptions, life insurance, IRAs, retirement accounts, and offshore trusts. The document stresses that asset protection planning should be done proactively with an experienced attorney and aims to set up legal barriers rather than hide assets from creditors.