Discover & Diagnose
We get to know your business, goals, and risk exposure, then uncover the blind spots that could put your wealth at risk.
Wealth Protection
Safeguard your legacy. Secure your future.
You’ve worked hard to earn it.
We’ll work hard to protect it.
You’ve built something meaningful. Now imagine watching it slip away into someone else’s hands because the right protection wasn’t in place.
At Vital Wealth, we help entrepreneurs like you prevent the risks that threaten wealth. Because growth without protection is vulnerability.
We get it: you’re busy scaling, innovating, and leading. That’s why we take on the complexity of legal planning, insurance review and legacy structuring—so you can keep doing what you do best.
Wealth Protection Services for Entrepreneurs Earning $1M+
Legal & Entity Structuring for Liability Protection
Protecting wealth starts by structuring it right. We evaluate your business and personal holdings, coordinate your CPA, attorney, and insurance providers, and build a legal/entity framework that significantly reduces your risk exposure.
Insurance & Risk Mitigation Strategies
Growing your wealth is one thing. Protecting it is another. We review your business and personal coverage—key person, liability, umbrella, life/health, property—and fill the gaps that insurers and advisors often miss when dealing with high-income earners. You’ll walk away with a risk-map and an insurance strategy that actually matches your level of exposure, not just the “norm.”
Estate, Succession & Legacy Planning
Your wealth isn’t just for today—it’s for tomorrow, your family, and the generations to come. We integrate estate planning, gifting strategies, and succession frameworks so that your legacy remains intact, your tax burden is minimized, and your vision for the future is set. You’ll know exactly how your plan transitions seamlessly if you step away, sell, or hand over the reins.
Asset Protection & Financial Clean-Up
Sometimes, structuring wasn’t prioritized or things moved too fast. We specialize in working with entrepreneurs who’ve reached complexity (multiple real estate holdings, private deals, international exposure, tax issues, legacy risks), then turn that chaos into clarity. We clean up old liabilities, lock in protections, and ensure your wealth is stabilized and ready for the next chapter.
Your Wealth Protection Roadmap
01
02
Design & Implement
Our team coordinates with yours to build and execute a tailored protection strategy that fits your entire financial picture. We handle the details from start to finish.
03
Maintain & Monitor
Your protection plan grows with you. We continually review and adjust as your business evolves—keeping you protected without you having to think about it.
Common Questions
Are you insurance brokers or trying to sell me insurance products?
No. Vital Wealth is not an insurance brokerage—and that’s a good thing. We don’t earn commissions or push policies. Instead, we evaluate your current coverage, identify gaps, and design a strategy that protects your wealth. If new insurance is needed, we’ll coordinate with your providers or connect you with trusted partners—but our only incentive is protecting your assets effectively.
I already have a protection plan, estate documents, and insurance—will you evaluate what I have before making changes?
Yes. In fact, that’s where we start. Most of our clients already have entities, policies, or estate plans in place—but they were created at different times, by different advisors, and aren’t fully integrated. We review your entire protection structure—legal documents, insurance coverage, ownership records, trusts, beneficiary designations, liability exposure—to identify what’s strong, what’s outdated, and what’s leaving you at risk. If it’s solid, we keep it. If it needs reinforced, we fix it. Nothing is replaced without purpose.
What specific risks can you help me hedge against?
We focus on protecting your wealth from the threats most high-income entrepreneurs face but often aren’t prepared for, including:
- Lawsuits and liability exposure (business, real estate, employees, partnerships, contractors)
- Improper entity structuring that leaves personal assets exposed
- Gaps in insurance coverage—especially for high-net-worth risks (key person, umbrella, life, disability, buy-sell agreements)
- Estate and inheritance loss from taxes, probate, or outdated wills/trusts
- Business succession failure if you exit, become incapacitated, or die unexpectedly
- Partnership disputes or broken buy-sell agreements
- Creditors, divorces, or claims against your personal or business assets
- Real estate, investment, or private equity ownership liability held in your name instead of protected entities
- Legacy breakdowns—wealth transferred with no structure, discipline, or protection for the next generation
Our goal is simple—make sure your wealth is shielded from courtrooms, chaos, and unnecessary taxes so your legacy ends up where you intended.
Looking for a Different Service?
Investment advisory services are offered through Vital Capital LLC, a state registered investment adviser (CRD# 318147) registered in Iowa, California, Florida, Illinois, Pennsylvania, and Texas. Financial planning, tax strategy, and insurance services are offered through Lonergan Group LLC, doing business as Vital Wealth, a separate and distinct entity from Vital Capital LLC. Registration as an investment adviser does not imply any certain level of skill or training.