Have you ever heard of Asset Protection Trusts? They are entirely legal and, albeit expensive to set up and maintain(about 20k to set up and around 1k a yr to maintain), do protect your assets from potential liability. You might also cover that with an umbrella liablity policy (under you existing homeowners) that is very cheap (about 150perMperyr).Also, you might want to take a look at Flexible Savings Accounts and Medical Savings Accounts. If you do a search at the IRS web site, you can see some of the requirements and what they cover.rxx
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