Are concerned about creditors, litigation, or liability exposure
Asset Protection
Protecting what you’ve built — without giving up control
For individuals concerned about creditor exposure, a Nevada Asset Protection Trust (NAPT) offers a way to protect assets while still allowing you to benefit from them.
Nevada is one of the few states that permits properly structured self-settled asset protection trusts, making it a leading jurisdiction for advanced protection planning.
Who It’s For
This trust structure may be appropriate for individuals who:
Want asset protection without completely relinquishing economic benefit
Work in professions with higher liability risk
Value flexibility, control, and long-term planning
Nevada Trust Highlights
One of the shortest creditor “seasoning periods” in the U.S. (generally two years)
Strong protection against creditors, including former spouses
Ability for you and your financial advisor to direct trust investments
A progressive legal framework designed to continually strengthen asset protection laws
How a Nevada Asset Protection Trust Works
Since 1999, Nevada law has allowed individuals to establish self-settled spendthrift trusts that provide asset protection while allowing the grantor to be a beneficiary.
In a NAPT, an independent trustee controls distributions to you. While you may serve as a co-trustee and direct distributions to other beneficiaries, you cannot distribute assets to yourself. This structure helps preserve the trust’s protective integrity.
Assets transferred into the trust are not protected immediately. Nevada applies a “seasoning period,” generally two years, during which certain creditors may still pursue claims. Once this period expires, trust assets are typically shielded from future creditor claims, subject to proper administration.
Why Nevada Matters
Nevada law provides that asset protection trusts will be respected if key connections exist — such as trust assets, administration, or trusteeship being located in Nevada. This flexibility makes Nevada a premier jurisdiction for individuals seeking durable, court-tested asset protection.
Who Commonly Uses This Structure
NAPTs are often used by individuals with elevated professional liability — including physicians and business owners — but are increasingly utilized by anyone seeking to proactively protect personal wealth in an increasingly litigious environment.
Plan Today. Protect Tomorrow.
Your legacy deserves more than probate. Discover how Dunham Trust can help you administer your trust consistent with its terms, maintain privacy, and ensure your wishes are carried out for generations.