The Sunwest Life - June 2023

Lifestyle + Home + More

04 EL NINO VS LA NINA

Understanding the differences between El Niño and La Niña is crucial for predicting and preparing for their effects on weather and climate.

12 UMBRELLA LIABILITY INSURANCE

Let’s dive into the in’s and out’s of Umbrealla liability insurance (ULI). ULI provides additional liability protection beyond basic insurance policies.

15 SANDLOT MOVIE REVIEW

“The Sandlot” is a beloved coming-of-age film. This movie captures the essence of childhood and continues to resonate with audiences of all ages.

18 EXCLUSIVE!

A FATHERS DAY TRIBUTE

20 ESTATE PLANNING

Asset protection planning aims to preserve and safeguard property from potential claims or threats. Go beyond traditional asset protection planning.

ULTIMATE WATER WONDERLAND GRILL MASTER TIPS AND TRICKS

Lake Powell a paradise waiting to be explored. Lets plan your visit and an unforgettable journey to Lake Powell.

Elevate your summer barbequing game and impress your guests with these grilling tips and tricks.

(435) 773-6456

www.swmlife.com

Living in one of SunWest Management’s communities is more than just having a place to rest your head — it’s where you call home. At SunWest Management, we know it’s a privilege to say, “Welcome home!”

In our wide variety of communities that meet virtually every need, the perfect fit for your lifestyle is just through the front door of your next dream home in one of our Southern Utah communities.

El Niño vs La Niña

By Ally Thompson

El Niño and La Niña are two weather phenomena that affect the planet’s climate in different ways. While both have significant impacts on global weather patterns, they are fundamentally different from each other. In this article, we will explore the differences between El Niño and La Niña and how they affect the world.

What are El Niño and La Niña?

El Niño and La Niña are the warm and cold phases of a weather pattern called the El Niño-Southern Oscillation (ENSO). ENSO is a complex weather pattern that involves changes in ocean temperatures and atmospheric pressure in the equatorial Pacific region. The ENSO cycle typically lasts between three to seven years and can impact global weather patterns.

El Niño occurs when ocean temperatures in the equatorial Pacific rise above normal levels. This warming of the ocean can have a significant impact on global weather patterns. La Niña, on the other hand, occurs when ocean temperatures in the same region drop below normal levels.

What are the differences?

El Niño and La Niña are two sides of the same coin, with one being the warm phase and the other the cold phase of the ENSO cycle. The main differences between the two weather phenomena are as follows:

Temperature

El Niño is characterized by warm ocean temperatures in the equatorial Pacific, while La Niña is characterized by cold ocean temperatures in the same region. During an El Niño event, the sea surface temperatures in the eastern Pacific can rise by 1-3°C above normal. During a La Niña event, temperatures can drop by the same amount.

Atmospheric Pressure

El Niño is associated with lower atmospheric pressure over the eastern Pacific, while La Niña is associated with higher atmospheric pressure in the same region. This can lead to different wind patterns and storm tracks, which can impact weather patterns around the world.

Global Weather Patterns

El Niño and La Niña can have different impacts on global weather patterns. During an El Niño event, there is an increased likelihood of drought in Australia and Southeast Asia, while there is an increased likelihood of heavy rainfall in South America. During a La Niña event, the opposite is true, with increased rainfall in Australia and Southeast Asia and drought in South America.

Frequency and Duration

El Niño and La Niña events occur irregularly and can last for varying periods. El Niño events typically occur every 2-7 years and can last for 12-18 months, while La Niña events occur less frequently and can last for 1-3 years.

Why do they occur?

El Niño and La Niña occur due to changes in ocean temperatures and atmospheric pressure in the equatorial Pacific. These changes are driven by a complex interplay between the ocean and the atmosphere, which can be influenced by a range of factors, including wind patterns, ocean currents, and air temperature.

While the exact causes of El Niño and La Niña are not fully understood, scientists believe that they are part of a natural cycle that has occured for millions of years. However, some experts believe that climate change could be exacerbating the frequency and intensity of these events.

Understanding the differences between El Niño and La Niña is essential for predicting and preparing for the impacts of these events on our weather and climate.

Lake PoweLL

uLtimate water wonderLand

By Ally Thompson

Nestled in the heart of the American Southwest, Lake Powell is a breathtaking oasis that captivates the senses and offers an abundance of outdoor adventures. Created by the majestic Glen Canyon Dam, this man-made reservoir stretches across the border of Arizona and Utah, showcasing an unparalleled fusion of towering red rock canyons, sparkling turquoise waters, and endless recreational possibilities.

Lake Powell is a man-made reservoir located on the Colorado River in Arizona and Utah. It offers a wide variety of recreational opportunities. Lake Powell is a destination that offers a symphony of natural beauty and outdoor adventures. Whether you’re seeking thrilling water sports, serene moments in nature, or simply a place to unwind and rejuvenate, this remarkable reservoir has it all. With its beautiful landscapes, wildlife, and an endless array of activities, Lake Powell is a paradise waiting to be explored.

The lake is home to more than 90 side canyons, some of which are only accessible by boat. Many of these canyons have many ancient petroglyphs and ruins of the ancient Puebloans. Let’s dive into the wonders of Lake Powell, from its stunning landscapes and diverse wildlife to the exhilarating activities that make it a dream destination for nature lovers and thrillseekers alike. Plan your visit and embark on an unforgettable journey to Lake Powell.

thriLLing water SPortS

Get your heart racing with an array of thrilling water sports on Lake Powell’s pristine waters. Feel the rush of adrenaline as you zip across the lake on a jet ski, perform jaw-dropping stunts while wakeboarding, or experience the exhilaration of water skiing. For an extra dose of excitement, try tubing and hold on tight as you bounce and glide over the waves. Lake Powell is your ultimate playground for aquatic adventures!

houSeboat extr avaganza

Take your Lake Powell experience to the next level by renting a luxurious houseboat. Cruise along the tranquil waters, basking in the sun on the deck, and reveling in the breathtaking scenery surrounding you. With spacious accommodations and all the amenities you need, including a kitchen, living area, and even a waterslide, your houseboat becomes your floating paradise. Dive into the lake whenever you please, create unforgettable memories, and savor the freedom of life on the water.

SunSet and Stargazing

Witness the magic of Lake Powell at golden hour by embarking on a sunset cruise. Cruise along the calm waters as the sun paints the sky with vibrant hues, casting a warm glow over the canyons. Capture the breathtaking views and create unforgettable memories as the day transitions into a starlit night. Experience the wonder of stargazing, with the clear desert skies offering a dazzling display of stars, constellations, and even the occasional shooting star.

FiShing Frenzy

Calling all fishing enthusiasts! Lake Powell is a paradise for anglers. Cast your line into the pristine waters and reel in the catch of a lifetime. From striped bass and smallmouth bass to catfish and walleye, the lake is teeming with a variety of fish species. Whether you’re a seasoned angler or a beginner, the thrill of landing that big catch amidst the picturesque backdrop of Lake Powell is an experience not to be missed.

CanyonS and hiking

Prepare to be mesmerized by the stunning canyons that envelop Lake Powell. Explore hidden treasures as you navigate the waterways, discovering secluded coves, and uncovering ancient petroglyphs etched into the canyon walls. Lace up your hiking boots and venture into the heart of nature, where trails wind through awe-inspiring red rock formations. Witness breathtaking vistas, encounter diverse wildlife, and create your own adventure amidst this natural wonderland.

reLaxation Station

Lake Powell is not only a hub for adventure but also a place of relaxation and rejuvenation. Soak up the sun on sandy beaches, take refreshing dips in the cool waters, or simply unwind on the deck of your houseboat. Indulge in lakeside picnics, savor breathtaking sunsets, and let the beauty of your surroundings wash away the stress of everyday life. Lake Powell offers the perfect balance between adventure and tranquility.

LakeSide dining

After a day filled with adventure, treat yourself to a delicious meal at one of the lakeside restaurants or enjoy a picnic on the sandy beaches. Indulge in fresh seafood, savor barbecued delights, or sip on a refreshing beverage while taking in the picturesque surroundings. Some marinas even offer live music and entertainment, providing the perfect ambiance for a relaxing evening with family and friends.

CamPing and bonFireS

Camp along the shoreline and immerse yourself in the peacefulness of nature. Set up your tent under a canopy of stars, enjoy the crackling sound of a bonfire, and share stories and laughter with loved ones. Wake up to the gentle lapping of waves and the serenity of the early morning, feeling at one with the breathtaking landscape that surrounds you.

nearby attraCtionS

Don’t miss the opportunity to explore the nearby attractions as well. Visit the iconic Horseshoe Bend, which provides panoramic views of the surrounding cliffs. Take a day trip to the mystical Antelope Canyon, known for its otherworldly beauty and captivating slot canyon formations. Expand your adventure and create a well-rounded experience by venturing beyond the lake’s boundaries.

wiLdLiFe enCounterS

Keep your eyes peeled for bald eagles soaring overhead, desert bighorn sheep scaling the cliffs, and a variety of bird species gracing the skies. Observe the graceful movements of deer along the shoreline or catch a glimpse of elusive creatures like coyotes or bobcats. Wildlife enthusiasts will be delighted by the chance to encounter these incredible animals in their natural habitat.

PreParing For your triP:

1Before your trip to Lake Powell, take the time to research and plan your itinerary. Familiarize yourself with the lake’s geography, attractions, and recreational activities. Determine the best time to visit based on weather conditions and crowd levels. Make a list of must-see places and activities, and consider creating a rough daily schedule to ensure you make the most of your trip.

2Pack strategically for your Lake Powell adventure. Since you’ll likely spend a lot of time on or near the water, pack essentials such as sunscreen, hats, sunglasses, and bathing suits. Bring appropriate clothing for the activities you plan to engage in, including hiking gear if you’ll be exploring the surrounding trails. Don’t forget to pack water shoes or sandals that can get wet, as the lake’s shoreline can be rocky. Make sure to bring plenty of drinking water and snacks to stay hydrated and energized throughout the day.

3Lake Powell is known for its stunning waterways, so taking advantage of this by renting or bringing your own watercraft can greatly enhance your experience. Whether it’s a boat, kayak, jet ski, or paddleboard, having a watercraft allows you to explore the lake’s intricate canyons, hidden coves, and pristine beaches. Make sure to check rental availability and prices in advance, and if you’re bringing your own, familiarize yourself with regulations or permits required for boating.

4Lake Powell is surrounded by beautiful but rugged desert landscapes. As such, it’s crucial to be prepared for outdoor activities. Wear appropriate footwear and clothing for hiking, and bring essentials such as a first aid kit, insect repellent, and a map or GPS device if you plan on venturing into the backcountry. Stay hydrated by carrying an adequate amount of water with you at all times. It’s also important to inform someone of your plans, especially if you’ll be exploring remote areas, and to be mindful of wildlife and the fragile desert ecosystem by practicing Leave No Trace principles.

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Grill Grill

Master Master GRILL Master

By Brian Webster

For seasoned grillers, summer barbequing is a chance to showcase your skills and explore new culinary horizons.

Let’s dive into some tips, tricks, and budget-conscious strategies to eLevate your griLLing game.

When it comes to recipes, let’s venture beyond the basics. Consider trying your hand at marinated flank steak. Whip up a flavorful marinade using soy sauce, Worcestershire sauce, garlic, and spices of your choice. Let the steak marinate for a few hours or overnight for maximum flavor, then grill it to medium-rare or your preferred level of doneness. Slice it thinly against the grain for a tender and delicious treat.

Another recipe to explore is cedar-plank salmon. Soak a cedar plank in water for a couple of hours to prevent it from burning. Place the salmon fillets on the plank, season with herbs, lemon slices, and a drizzle of olive oil. Once the plank starts to smolder and release aromatic smoke, place your seasoned seafood on top of the plank. Grill the salmon on medium-high heat, allowing the cedar plank to infuse it with a smoky aroma. The result? Moist, flaky salmon with a delightful woodsy flavor.

Additionally, you can try other variations--try hickory or maple planks, with chicken, shrimp, or your favorite cut of beef.

Besides plank cooking, what are some other methods? Consider the reverse sear method for thick cuts of meat like ribeye or pork chops. Start by cooking the meat over indirect heat until it reaches a few degrees below your desired doneness. Then, move it to direct heat to achieve a perfect sear and caramelization on the exterior. This technique ensures a tender and evenly cooked interior with a beautiful crust.

Rotisserie Grilling: A rotisserie is a fantastic way to cook larger cuts of meat with a slow and even rotation, resulting in juicy and tender results. If your grill has a rotisserie attachment, it’s time to put it to good use. Choose a prime cut of meat like a whole chicken, pork loin, or leg of lamb. Season it generously with your favorite rub or marinade, securing it tightly with butcher’s twine if necessary. Attach the meat to the rotisserie spit, ensuring it is centered and balanced. Turn on the rotisserie motor and let the meat rotate slowly over indirect heat for an extended period, allowing it to cook evenly and develop a flavorful crust. This method requires some patience, but the mouthwatering results will leave your guests impressed and satisfied.

For a budget-conscious approach, buying whole cuts of meat and portioning them yourself can save you money. Opt for larger cuts like whole chickens, pork loin, or beef brisket, and portion them according to your needs. Additionally, explore the world of rubs and marinades using pantry staples like spices, herbs, citrus juices, and olive oil. Experimenting with different flavor profiles can elevate budget-friendly cuts of meat to delectable heights.

Remember to maintain your grill properly to ensure optimal performance. Clean the grates regularly, check for gas leaks, and replace worn-out parts as needed. A well-maintained grill will provide consistent heat and help you achieve those mouthwatering grill marks.

And just like that, you’re ready to take your summer barbequing to the next level. Enjoy the thrill of experimenting, impress your guests with your culinary prowess, and savor the flavors of a perfectly grilled feast.

cheers to your bbQ success!

UMBRELLA LIABILY INSURANCE

By JC Hallman

When your local weather forecaster tells you that it’s going to rain, what do you do? That’s easy--you reach for your umbrella. So, why not purchase an umbrella that can protect you in stormy financial weather?

Umbrella liability insurance (ULI) can do just that. By providing liability protection above and beyond the basic coverage that homeowners/renters and auto insurance policies offer, ULI can protect you against the catastrophic losses that can occur if you are sued.

Although ULI can be purchased as a separate policy, your insurer will require that you have basic liability coverage (i.e., homeowners/renters insurance, auto insurance, or both) before you can purchase an umbrella liability policy. ULI is often referred to as excess coverage. If you are found to be legally responsible for injuring someone or damaging someone’s property, the umbrella policy will either pay for the part of the claim in excess of the limits of your basic liability policy, or pay for certain losses that are not covered.

WHY NOW? IT’S NOT EVEN RAINING

These days, it’s not unusual to hear of $2 million, $10 million, and even $20 million court judgments against individuals. If someone is injured in your home, or if you cause a serious auto accident, you could have to pay such a judgment. If you don’t have an umbrella liability policy at the time of the accident, anything above the limits of your homeowners/renters or auto insurance policy will have to come out of your pocket.

Here’s an example of how ULI works to protect you. Say you have an auto insurance policy with a liability limit of $100,000 per accident. You also have a $1 million umbrella liability policy. You’re later found responsible for a serious automobile accident, and the court finds you liable for $700,000 in damages. In this case, your auto insurance would pay the first $100,000 of the judgment, which would satisfy the deductible under your umbrella policy. Your umbrella policy would then cover the portion of the judgment not covered by your auto insurance ($600,000).

You should also be aware that certain types of liability claims (e.g., libel and slander) are not covered under basic homeowners, auto, or other types of insurance policies. An endorsement can be added to these policies to provide some protection against these types of personal injury claims. Or, you can purchase ULI, which does cover these claims.

WHAT’S COVERED?

A typical umbrella liability policy provides the following protection, up to the coverage limits specified in the policy:

• Protection for claims of bodily injuries or property damage caused by you, members of your household, or hazards on your property, for which you are found legally liable

• Personal liability coverage for incidents that occur on or off your property

• Additional protection above your basic auto policy for auto-related liabilities

• Protection against non-business-related personal injury claims, such as slander, libel, wrongful eviction, and false arrest

• Legal defense costs for a covered loss, including lawyers’ fees and associated court costs

WHAT’S NOT COVERED?

Umbrella liability insurance typically provides extremely broad coverage. Furthermore, if something is not expressly excluded from coverage, it is covered. Exclusions vary from one insurer to another and from one policy to another, but the following are some items typically excluded from coverage:

• Intentional damage caused by you or a member of your family or household

• Damages arising out of business or professional pursuits

• Liability that you accept under the terms of a contract or agreement

• Liability related to the ownership, maintenance, and use of aircraft, nontraditional watercraft (e.g., jet skis, air boats), and most recreational vehicles

• Damage to property owned, used, or maintained by you (the insured)

• Damage covered under a workers’ compensation policy

• Liability arising as a result of war or insurrection

HOW BIG OF AN UMBRELLA ARE WE TALKING ABOUT?

Determining how much liability coverage you need is not an exact science. You might think that you need only enough liability insurance to protect your assets, but a large judgment against you could easily wipe out your assets and put your future earnings in jeopardy. That’s why you should also consider factors such as how often you have guests in your home, whether you operate a home-based business, how much you drive, whether you have teenage drivers in your home, and whether your lifestyle gives the impression that you have “deep pockets.”

Coverage limits vary, but a typical policy will provide liability coverage worth $1 million to $10 million. Of course, as your coverage limit increases, the premium will also increase. You need to decide how much insurance you need and how much insurance you can afford. You’ll want to have enough protection, but not too much. Look at it this way: Have you ever seen a five-year-old child walking under a big golf umbrella or a 300 lb. football player using a pocket-sized umbrella? One has too much protection and the other not enough. Your insurance agent can help you determine how much coverage you need.

WHERE CAN I BUY AN UMBRELLA LIABILITY POLICY?

Almost any insurer who writes auto and home insurance policies will also sell umbrella liability policies. In fact, you may be eligible for a multipolicy discount if you purchase an umbrella policy from your current insurer. Of course, it’s important to shop around and make sure that you’re getting the right coverage for your needs and the most coverage for your money. If you want to do some research on your own, try surfing the Internet, where you can get price quotes and answers to your questions in an instant.

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Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, legal, or retirement advice or recommendations. The information presented here is not specific to any individual’s personal circumstances.

To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable — we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

Prepared by Broadridge Advisor Solutions Copyright 2023.

By Ally Thompson

Ah, The Sandlot! The 1993 coming-of-age film that has become a beloved classic for generations. This movie, directed by David M. Evans, takes us on a nostalgic trip back to the summer of 1962, where a group of kids play baseball in a dusty, empty lot.

The story is centered around Scotty Smalls, a new kid in town who is struggling to make friends. He is taken under the wing of Benny Rodriguez, the best player on the sandlot, and together they embark on a series of adventures with their friends.

One of the best things about this movie is how it captures the essence of childhood. It’s a movie about playing, exploring, and having fun with your friends, all while navigating the ups and downs of growing up. The Sandlot perfectly captures the joy and wonder of being a kid in the summertime.

The cast is also fantastic. Tom Guiry shines as Scotty Smalls, perfectly capturing the awkwardness and vulnerability of adolescence. Mike Vitar is equally great as Benny Rodriguez, the leader of the sandlot gang and the one who helps Scotty come out of

his shell. And of course, the rest of the kids are all memorable in their own ways, each with their own quirks and personalities.

The Sandlot has some truly iconic moments. Who could forget the scene where they play under the fireworks? When they try chewing tobacco for the first time? Or the hilarious bit where they’re trying to retrieve a ball from a yard guarded by a ferocious dog?

But what really sets The Sandlot apart is its heart. It’s a movie about the power of friendship, the importance of standing up for yourself and others, and the bittersweetness of growing up. It’s a movie that will make you feel all the feels.

The Sandlot is a timeless classic that will continue to be loved by generations of kids (and adults) in the years to come. It’s a movie that perfectly captures the spirit of childhood, and reminds us all of the joys and challenges of growing up. So grab a ball, a bat, and a group of friends, and head to the nearest empty lot - it’s time to play ball!

By Casey Ritter

A summer bucket list allows you to satisfy your daydreams and think about everything you and your family or friends want to do during this short season. It encourages you to make the most of your time. Come the first day of fall, you will feel pleased with all you did.

For me, summer is barbequed food, snow cones, camping, and every outdoor activity. With all the Utah rain and snow from this last winter, our lakes and rivers will be excellent places to play. Gunlock Falls, located in Gunlock State Park, has an abundance of impressive waterfalls. Add it to your summer bucket list of places to visit.

On the next page is my summer bucket list. As you can see, my list is extensive, giving me plenty of options, rain or shine. At the end of the summer, any unmarked (incompleted) activities will be moved over to the following year. Feel free to use my list as your summer bucket list template. Who knows, maybe I will see you in a hot air balloon, on a golf course, or in a kayak on the Virgin River- where we can give each other a high five with our paddles.

the ultimate summer Bucket-List

Pool Day

Float on tubes down a river Lake paddleboard/kayak

Visit a museum or zoo

Sleep in a tent in your backyard

Go geo-cashing

Outdoor movie night

Go camping

Visit a national or state park

Have a picnic in a park

Watch the movie Sandlot

Go to a parade

Stay up late star gazing

Barbecue a new recipe & invite friends over water fight (squirt guns & water balloons)

Visit a waterpark

Eat a snowcone

Watch a sunrise

Go to a farmers market

Visit a relative

Make a root beer float

Have a game night

Go to the library

Write a gratitude letter to someone

Pay for someone’s meal or drink

Have a bonfire and roast marshmallows

Go on a hike

See an outdoor concert

Go fishing

Find a restaurant that you’ve never visited

Volunteer at a homeless shelter or foodbank

Take a ride in a hot-air balloon

Fly a kite

Play Frisbee

Go bowling

Make ice cream

Go to a sports event

Finish a DIY project

Go night swimming

Read a fun summer book

Gamble in Mesquite

Go Golfing

Enjoy making your list, and I hope your summer is full of adventure, good food, fun, and laughter. Make sure to screenshot this and mark it off as summer goes on!

shifting gears

A Father’s Day Tribute

By Ally Thompson

Father’s Day is a time to celebrate the incredible men who have shaped our lives and guided us through the journey of adolesence. It’s a day to honor the unwavering support, wisdom, and love that fathers provide. With Father’ Day right around the corner, I thought that I would share a story of an unforgettable experience—learning to drive a stick shift Mini Cooper on my 16th birthday. It was a milestone filled with valuable life lessons and a bond that would forever strengthen mine and my dad’s relationship.

A Memorable Milestone

As my 16th birthday approached, excitement filled the air, not only because it marked a new chapter in my life but also because my dad had a surprise in store for me. Little did I know that this surprise would become an unforgettable memory—a day that would test my skills, challenge my patience, and create a lasting bond between me and my dad.

The Stick Shift Mini Cooper

Upon reaching the driveway, my eyes widened as I saw the vibrant red Mini Cooper sitting there. My dad had a giant smile on his face as he handed me the keys. There was one catch about the car, it had a manual transmission which meant I would have to learn how to switch gears before it was mine completely.

Learning to Shift Gears

So, the learning started. As we rolled forward, my dad’s calm voice guided me through the complexity of shifting gears. He taught me the importance of timing, clutch control, and patience—lessons that extended far beyond the realm of driving. In those moments, the car became a metaphor for life itself. As we transitioned from one gear to another, my dad emphasized the significance of adaptability and the ability to navigate through

the unexpected twists and turns that lie ahead. He encouraged me to trust myself, reminding me that challenges are opportunities for growth.

Overcoming Hesitation

Learning to drive a stick shift is no easy feat, and frustration occasionally crept in as the gears ground and the car lurched. Yet, my dad was there every step of the way. He reassured me that mistakes were part of the learning process, reminding me that success often arises from persistence and determination.

With each practice session, my confidence grew, and the once daunting task began to feel more natural. My dad’s presence and guidance instilled a sense of security and trust, allowing me to embrace the challenges with an unwavering spirit. Together, we celebrated small victories.

A Lasting Bond

As Father’s Day approaches, I reflect on that unforgettable experience of learning to drive a stick shift Mini Cooper under my dad’s watchful eye. Beyond the mechanics of the car, it was a lesson in trust and patience.

Let us express gratitude for the fathers who have taught us valuable life skills and encouraged us to embrace new experiences. They have shown us that with their guidance and love, we can conquer the challenges that come our way and grow into confident, resilient individuals.

Father’s Day is a time to honor the remarkable men who have shaped our lives. Learning to drive a stick shift Mini Cooper with my dad was not just about acquiring a new skill; it was about forging a lasting bond built on trust, patience, and a shared sense of adventure. The memories we created on that day will forever serve as a reminder of the profound impact fathers have on our lives.

As we celebrate Father’s Day, let us cherish the moments spent with our fathers, the lessons they’ve taught us, and the love they’ve bestowed upon us. Happy Father’s Day to all the fathers who have guided us on the road of life. Your love and support is cherished and celebrated today and always.

“A father is someone you look up to, no matter how tall you grow.”

Estate planning

Will

Your Traditional Asset Protection Plan Work?

By Ben E. Connor

be done long before there is even the hint of a claim. Caution! Asset planning is not about hiding assets from known creditors or even creditors you should have known about. Therefore, you must do asset protection planning well in advance of needing any protection. Do not procrastinate with this planning!

You may be surprised to learn that not only has asset protection planning been around for a long time, but you most likely have already engaged in it. In fact, you probably have one or more types of traditional asset protection planning in place. The problem is, in many cases the type of planning you have won’t be enough to protect you and your family.

What is Asset Protection Planning?

Asset protection planning is done to preserve and protect your property in advance of a claim, or the threat of a claim. In other words, this type of planning will not be effective to shield your property from an existing claim. Instead, it must

The goals of asset protection planning are to provide an incentive for settling a claim; improve your bargaining position; offer options when a claim is asserted; and, ultimately, deter litigation. Asset planning is all about protecting those you love from unfair claims and frivolous lawsuits which seem to be abound these days. Asset protection helps prevent bad things from happening to good people.

What Is Traditional Asset Protection Planning, and Why Does It Often Fail?

There are several types of traditional asset protection planning that have been around for years. The most common is liability insuranceautomobile, homeowners, umbrella, officers and directors, malpractice, and alike. You probably have at least one liability policy in place right

now. Unfortunately, liability insurance may actually encourage a lawsuit since it is perceived as “easy money.” Aside from this, liability insurance often fails because the coverage is inadequate; the policies have extensive exclusions; or the carrier becomes insolvent.

Another common type of traditional asset protection planning is the use of a business entity - such as a corporation - to segregate business assets and liabilities from personal assets and liabilities. While a corporation may shelter your personal assets from a lawsuit filed against the corporation, the opposite is not true. If you, as the shareholder of a corporation, are sued, your shares of stock in the corporation are not protected from a judgment entered against you. Of course, it is possible that if your corporation fails to observe certain formalities, then the “corporate veil” may be pierced and your personal assets will become vulnerable to a judgment entered against the corporation.

The final common type of traditional asset protection planning is established under state law and allows residents to exempt specific assets from the claims of creditors. This may include protection for property owned jointly by spouses (“tenancy by the entirety” ownership); a primary residence (“protected homestead”); the cash value of life insurance; investments held in a retirement account; and annuities. Nonetheless, these

state exemptions are often subject to limitations, such as placing a cap on the value or land area of the protected homestead.

What Should You Do - now, if not sooner?

You may think that only wealthy people need advanced estate planning. The truth is anyone who has accumulated any amount of wealth can be sued for just about any reason. The only way to protect you and your family is to engage in only slightly more advanced forms of trusts for asset protection planning. For example, a properly drafted Living Trust, while it cannot provide you with asset protection while you are living, can provide asset and predator protection for your surviving spouse. Upon your surviving spouse’s passing it can provide protection from divorces and creditor claims for the assets you intend to pass on to your children and grandchildren. With just a slight adjustment in your Living Trust you can make sure your assets go “to whom you want, the way you want, when you want, while you are living and after you die.”

This office can help you go beyond traditional asset protection planning. Please call today to arrange for your FREE asset protection consultation in my St. George, Utah office. You can reach attorney Ben E. Connor at 435-359-1414, The Connor Law Firm, web page at connorlegal.com. The best time to call is now.

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