What Is Wealth Protection?
Planning when you are alive and well
Most people hear the phrase “estate planning” and immediately think of planning for death. But at Horacio Sosa, P.A., we define estate planning much more broadly — and more effectively.At Horacio Sosa, P.A., planning begins from the moment when you start accumulating assets. Wealth protection refers to the strategies designed to protect your assets, while you are alive and well, from typical threats such as income and business taxes, litigation, or the incorrect manner in which you own your assets.
Our Wealth Protection practice helps high-earning families, business owners, professionals, and investors strategically structure, safeguard, and optimize their growing assets from the moment wealth begins to build. We view wealth protection as part of estate planning— it is a proactive, tax-smart, and comprehensive approach to preserving what you earn, minimizing financial leakage, and creating a durable foundation for multi-generational wealth. From income-tax strategies and asset structuring to long-term protection and legacy planning, we ensure your wealth works for you throughout your life—and for future generations.
Our goal is to identify opportunities, reduce risks, and legally structure your assets for optimal protection.
Schedule a consult to learn more
Income & Business Tax Planning
Many families unknowingly pay more taxes than required. We review your tax returns, identify missed opportunities, and help you use the tax code to your advantage — consistently saving money you can enjoy with your family.
Asset Protection Against Lawsuits
Lawsuit protection must be done proactively, not after a claim arises. We use:
Proper entity structures such as LLCs and Limited Partnerships
Irrevocable trusts including SLATs (Spousal Lifetime Access Trusts)
Strategic placement of assets into legally protected vehicles such as homestead, life insurance, annuities, and retirement accounts
Understanding How You Own Your Assets
How your assets are titled affects:
Protection during life
Taxes
Family dynamics
Distribution at death
Relying on simple “Transfer on Death” or “Payable on Death” designations can create unintended consequences, especially with:
Children with special needs
Children facing addiction or instability
Blended families or untrustworthy in-laws
We review your assets, family situation, tax exposure, and goals, then recommend the correct structure to protect your wealth by drafting important documents such as:
Business & Investment Entity Structuring
Revocable Trusts
Durable Power of Attorney
Health Care Directives
Wealth Transfer & Legacy Planning
Real Estate Asset Protection
Creditor Protection Strategies
Retirement Account Optimization
Tax-sensitive estates
Long-Term Care & Liability Planning
Why Families Trust Horacio Sosa, P.A.
20+ Years of Experience – Helping families plan, protect assets, and navigate legal challenges.
Advanced Degrees in Tax & Estate Planning – Specialized training to handle even the most complex legal matters.
Board-Certified Elder Law Attorney – Certified expertise in elder law.
Bilingual & Culturally Aware – Serving English- and Spanish-speaking families in South Florida.
Local, Personalized Service – Unlike large firms, we offer a hands-on, personal approach to every case.
A Law Firm with a Heart – We take the time to listen, understand, and provide solutions tailored to your needs.
Common Wealth Protection Questions
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No. It is designed for anyone earning more, investing more, or accumulating assets faster than they used to.
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No. They complement each other. Wealth Protection addresses lifetime structure; Estate Planning handles distribution and incapacity.
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Yes. Strategic legal structures can significantly lower income, estate, and capital gains tax exposure.
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As early as possible—especially during high-earning years.
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We provide legally compliant, highly effective strategies, but no method eliminates every risk. Our goal is to minimize and manage risk strategically.
Kind words from our previous clients
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![A woman with blonde hair smiling, with an orange star icon overlay.]()
We had the pleasure of working with this firm on my mother-in-law’s estate. Horacio and Alexandria were our primary contacts, and they handled everything efficiently, answering all of our questions with clarity and professionalism. As the lead attorney, Alexandria was compassionate, kind, and always willing to help. The entire team made the process smooth, and I would highly recommend this firm without hesitation.
⭐⭐⭐⭐⭐ Joslyn Varona
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"...we couldn't be more satisfied with the service received. -- What impressed us the most was their commitment to their motto: "We Feel, We Love, We Care." These are not just words to them; they truly put them into practice in every interaction. -- I highly recommend the services of Horacio Sosa to anyone in need of advice and management. With them, you can be sure that you are in good hands, with professionals who truly feel, love, and care about you and your situation.
⭐⭐⭐⭐⭐ Margie Nino
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![Profile picture of a woman with brown hair and a red lipstick. There is an orange "Local Guide" badge icon next to her image.]()
My name is Gloria Jensen I want to thank Mr Sosa for his great job , very trustable , his advices were excelente I always recommend him to my friends , I will always come to him if I need any job done
⭐⭐⭐⭐⭐ Gloria Jensen
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"The office motto is “CARE”. They exceeded our expectations in providing legal services with care to our family. Atty. Sosa, Alexandra, and Gloria handled my father’s legal matters promptly, explained the process in great detail, and answered all our questions. We highly recommend this legal team."
⭐⭐⭐⭐⭐ Lisa Bates
