IBM April 2016 Issue

Ike Devji

A Passion for Protection-
It’s Not Just What You Make, It’s

What You Keep!

Claudia Arnold-Sawaf, AIF
Phoenix, Arizona.

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CONTENTS

»»p.18 Ike Devji 4 The Minimally Invasive Evolution of Facial
»»p.17 Plastic Surgery
»»p.4 »»p.8
6 VOLUNTEERING IS GOOD FOR THE SOUL, AND SO
MUCH MORE!

8 4 Wealth Management Strategies for
Business Owners and the High-Networth

13 Headaches and Low Back Pain; Why Suffer?
14 The Best Way to Protect Your Brand

15 5 Ways to Conquer Sugar Cravings
17 Local entrepreneurial couple launches

DocumentTrunk
24 (Burger) King of Line Extension – A Modern

Brand Misstep

C.E.O: Ty Davis
Executive Editor: Susan Cushing
Writer(s): Troy Farah

Lance Chase
Brenda Velez
Christina Moran
Photography: Matthew Straus

Jorge Rodriguez
Digital Design: Dynamic LLC.

Independent Business Media Magazine® Phoenix| 3

THE MINIMALLY INVASIVE
EVOLUTION OF FACIAL
PLASTIC SURGERY

WSteven Gitt, MD, FACS
hen I entered
the private prac-
tice of Plastic
Surgery in 1993,
the available minimally invasive options
for facial rejuvenation were few. We
had skin peels and Collagen injections.
Today, we are in the midst of an evolu-
tionary process in my chosen specialty.
Patients want to look both younger and
better with minimal to no downtime
and that has driven the field in a truly
free market fashion. Entry-level inter-
ventions such as skin care, skin resur-
facing, topical retinoids, cosmeceuticals,
lasers, a variety of fillers and botulinum
toxin injections are commonplace and
no longer viewed with curiosity. Patients
present with clear expectations of
notable, and significant improvements
in their appearance without interruption
of their daily lives. Most of these patients
understand that they will eventuate in
some form of surgical intervention
yet, they are increasingly aware of the

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outstanding less invasive options avail- of the objective criteria that define an using minimally invasive and non-inva-
sive tools. For lifting she soft tissues, we
able today. Facial rejuvenative surgery attractive and youthful face. The loss of have High Intensity Focused Ultrasound
(Ulthera) and/or micro-needle
really describes an array of surgical pro- facial angularity with age being one sig- Radiofrequency procedures (Profound
by Syneron-Candela and Vivace), and
cedures including the classic face lift to nificant recognition. The youthful face wrinkle correction with chemical peel,
fractional CO2 laser resurfacing, or
trim off excess skin and elevate sagging slopes upward and outward from ones’ Profound treatment. We can restore
facial boney architecture with fillers such
tissues (reversing the effects of gravity), chin. With age, this angularity is lost, as Radiesse or Sculptra, correct volume
loss with fillers such as Juvederm-
brow and forehead lifting, blepharo- evolving to a squared off look charac- Voluma by Allergan or Restylane Lift by
Galderma, or even using ones own fat,
plasty (eyelid lifting), rhinoplasty (nasal terized by mid-facial (cheek level) nar- harvested by mini=liposuction surgery.
We can now achieve dramatic facial reju-
surgery), correction of volume loss or rowing with loss of boney and soft- venation without resorting to the more
aggressive open surgical approaches.
inadequate boney structure, fat transfer tissue volume, as well as lower facial

to restore facial volume, and, of course, widening manifest in jowling and soft-

wrinkle correction. The prescription tissue gravitational descent. We now

might include facelift, brow lift, upper rarely, if ever, inject fillers into the

and/or lower eyelid lifting, cheek lifting, Nasolabial folds lest we make a patient

chin and cheek augmentation, and appear even more aged.

wrinkle correction with chemical peel Today, we have an exceptional

or laser resurfacing. array of new options, allowing us to

There is also an increasing awareness achieve true full-facial rejuvenation

Independent Business Media Magazine® Phoenix| 5

VOLUNTEERING IS
GOOD FOR THE SOUL,
AND SO MUCH MORE!

   COMMUNITY                                  

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ahh2Volunteers are a critical part our Warehouse Manager. He has been greatly since Mom passed. He has always
of many charities, including a huge asset to us, organizing our stock been a people person. We worried that
Arizona Helping Hands. We rely to maximize use of our facility. he would isolate himself and fall into
on volunteers in our Holiday Cherie wrote to us to say, “I can’t tell a deep depression if he didn’t find the
Toy Drive and our back to school drive. you how happy my husband and are right group to help. I can’t thank all of
They assist with folding and sorting that my dad gave you a call. He sounds you very caring people enough. I can
clothing donations. One treasured vol- so much happier since he began vol- rest much easier knowing that my Dad
unteer, Maureen, loves to take stained unteering with you. I remember how has a healthy focus in his life, other than
clothing home and salvage them for the excited and thrilled he was about the the overwhelming grief of losing Mom.
kids we serve. They are also a critical organization after his very first day He loves being there and tells me how
part of our Birthday Dreams for Foster there. I knew then that this is where much he enjoys his work every time we
Kids Program, gift wrapping and dec- Dad was meant to be – especially since talk.”
orating birthday packages to celebrate he felt so right at home utilizing his Volunteering – good for the soul,
these children’s special day. We utilized retail/stock management skills again. good for the community, good for your
thousands of hours of volunteer service He was worried that you might not want heart – a win/win for all involved. Give it
in 2015 and received enormous benefits him to come day after day, but I assured a try, you too might find a joy in helping
for the work provided by so many dedi- him that you would take as much time others that will lift your spirit to a new
cated individuals. as he was willing to give. The time he dimension.
spends with all of you has helped him Dan Shufelt
All of our volunteers are special
people. They take time out of their day
to devote hours to assisting our mission
– to #StandUp for boys and girls in
foster care. We meet amazing individ-
uals who choose to give their time for
a wide variety of reasons. Don Pruitt is
one gentleman who came to Arizona
Helping Hands to volunteer last fall.

Don’s wife of many years passed away
in early 2015, a loss which was truly
heartfelt. He struggled with how to cope
with life without his partner. Cherie, his
daughter-in-law in Texas suggested that
he find a volunteer opportunity. She had
heard of organizations in Texas called
Helping Hands and suggested he find
an Organization in Phoenix that helped
others. Don found Arizona Helping
Hands through a google search. He
came to volunteer in our warehouse
one day and felt so good about what we
do that he came back the next day, and
the next… Since we couldn’t keep him
away we finally offered him a position as

Independent Business Media Magazine® Phoenix| 7

4 WEALTH MANAGEMENT STRATEGIES FOR
BUSINESS OWNERS AND THE HIGH-NETWORTH

By Claudia Arnold-Sawaf, AIF

    BUSINESS ARTICLE                                   
anaging Wealth is an ad-
vanced form of financial
planning, providing addi-
Mtional services and resources
into Asset Protection and Estate Planning,
tax advice, risk and asset management
strategies. It is an all-encompassing form of
planning, done holistically, unique to each
client’s goals AND values, concerns, the eco-
nomic environment, the client’s profession
and protecting from potential liabilities.
Strategy 1: A case for a team of
specialists
In medicine we have long known that
the best possible outcome for the patient’s
health is to enlist a team of specialists, the
experts in their field. The same could be
said for financial health! Consider having
Top Counsel in place in the core areas of
Financial Management, Risk Manage-
ment, Asset Protection and Accounting.
An excellent team may help you nurture
your success, mitigate your loss, mistakes
& scams and will make sure that you keep
a larger portion of every dollar you make,
pay as little in tax as the law allows and that
your money works as hard for you as you
did, to get it. Collaboration is a key to suc-
cess. Are your advisors talking to one an-
other? Are they all on your team, working
for the best possible outcome?
Strategy 2: Asset Protection
Litigation attorneys are in big business!
And with a great deal of offense out there,
what kind of defensive planning have you
done? Merely being wealthy and visible,
owning and driving a car, owning real
properties, having employees or serving
on a charitable board puts a target on you.
Sound defense involves the proper titling
and compartmentalization of assets into
acceptable and easily manageable units of
risk. It’s easier than it sounds, yet may re-
quire experienced guidance to accomplish.
The mantras Ike Devji, JD* and his team
teach clients are simple:

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Own nothing, control everything; what you don’t own can’t be cost and value with what is offered in the market place. The life
taken from you; insurance industry has evolved and select companies offer less ex-
The best defense is being an uncollectible target, take steps to pensive policies with added values, such as Chronic, Critical and
proactively remove the economic incentive to pursue you. Terminal illness riders that provide additional liquidity and assis-
A properly drafted Asset Protection Plan is your defensive play tance if the unthinkable happens.
and needs to be executed by an expert before something happens. Strategy 4: Diversify your TAXES
Strategy 3: Adequate levels of Insurance (on You are familiar with diversifying asset classes in your invest-
ments accounts, but what about your taxes? Business Owners are
everything)
Auto, Home, Liability, Life, Long Term Care, Disability, Disability usually in higher tax brackets and take advantage of pretax vehicles
overhead, professional insurances; Buy every dollar of liability cov- such as SEP IRA’s, 401(k) plans, Profit Sharing plans, Defined Ben-
erage you can afford, assume it won’t be fully adequate and have a efit Plans and other advanced strategies designed to reduce your
back-up plan. tax burden now. (Those plans warrant an entire article in a future
Insurance is all about math and leverage. The math, however, in edition) Withdrawals from those plans are taxed at ordinary in-
many insurance policies may be wrong. If you passed away today, come in retirement and with many of you accumulating sizable
would the $1 million (or amount you carry) provide sufficient in- retirement accounts, this can leave you in a high tax bracket in
come to your loved ones? Take the example of $1 million, invested retirement.
a conservative rate of return of 5%. It will provide $50,000 in in- A potential strategy: Incorporating a Roth 401(k), an In Plan
come, pre-tax. Depending on other sources of income, would that Roth Conversion or Roth Conversion during a time of lower in-
be enough to replace your income? come (sabbaticals, or transition into retirement). With a Roth re-
Increases in premiums for professional liability can certainly tirement account, you pay taxes now and you and your heirs may
leave you somewhat “Insurance tired”. However, here is why I avoid paying income taxes on that money ever again, no matter
want you to give life insurance another look: Life Insurance can be how large the account**. Paying attention to your taxes now AND
a Protected Asset Class, not just an expense! later will give you the tax diversification you’ll want during your
In many states (Arizona, Texas, Florida, Hawaii, to name a few) retirement years.
the cash value of your life insurance is creditor protected to an Contributing Author, Claudia Arnold-Sawaf, AIF, is the Found-
unlimited amount by law. Let’s examine a simple strategy using er of Sawaf Financial, LLC, a boutique wealth management firm,
leverage to attain coverage, and potentially add creditor protec- serving clients nationwide. She has more than a decade of expe-
tion: your cash or other less productive vehicles that are taxed, rience in developing and executing sophisticated wealth manage-
leave you exposed to professional personal liabilities which may ment strategies for her clients. She is a frequent contributor to
be a dangerous place for your assets to be. Instead, a cash value life industry publications and has most recently appeared on NBC
insurance strategy may offer liquidity, is often creditor protected News, CBS and Fox 10. She is a passionate Rotarian, engaged in
by law, offers potential tax-free growth and a death benefit multi- humanitarian causes & service. For further assistance, Claudia can
plier of as much as 1000 percent. The power of understanding and be reached at [email protected], or 480-729-6240.
using these new strategies becomes quite clear. *www.proassetprotection.com ** To qualify for the tax free penalty
Audits can be a good thing, and your policies should be audited free withdrawal of earnings, a Roth IRA must be in place for at least
periodically to ensure you have adequate coverage and to compare five tax years, and the distribution must take place after age 59 1/2.

Independent Business Media Magazine® Phoenix| 9

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Independent Business Media Magazine® Phoenix| 11

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Headaches and Low Back
Pain; Why Suffer?

According to the Centers for ignore you health it will go away too! By Dr. Bill Gallgher, DC
Disease Control headaches and Prescriptions or over the counter medi-
lower back pain are the two epidural injections, physical therapy and
most common neurological cation can often help with the symptoms bed rest. The one thing that did earn the
complaints . While it used to be a question but do nothing to correct the problem They highest rating was spinal adjustments and
of if you would ever suffer from headaches also carry with them certain risks from the one profession trained to administer
or lower back pain, today it has become a kidney to liver damage and even death. them safely is chiropractic.
question of when and how often. Fortu-
nately for most, relief is easily attainable. READ THE LABELS! Tylenol can cause A similar study was begun to research
liver damage and should NEVER be taken the effectiveness of different therapies for
Estimates are that 80% of us will suffer with alcohol. Worse than that is Non Ste- neck and head pain but was abandoned
from both headaches and lower back pain roidal Anti-Inflamatory Drugs (NASID’S) when the agency lost its funding. There are
at some time in our lives. For those who cause over 16,000 deaths a year and many however, plenty of studies that come to the
have more frequent problems the numbers of them are available over the counter. same conclusion that chiropractic is more
are not all the much more encouraging. In effective than most therapies.
any three month period 15% of us will suf- To really correct the problem it is better
fer severe headaches or migraines and 27% to go to the cause. Why Suffer?
will suffer lower back pain.
Since most headaches are cervical ten- As usual you have choices.
Given those numbers there are few of us sion headaches it is best to address what is You can endure the pain from your lower
who will get through life pain free and too causing the physical and emotional stress. back or your headaches.
many of us who will need support over the You can follow the medical model and
next three month. Emotionally there are many simple tech- treat the symptoms to get relief from the
niques that you can learn to better deal pain. Unfortunately going this way will
How Bad Is My Problem? with the outside stressors. These include not correct the problem and can eventually
meditation, yoga, exercise and EFT. lead to more serious pain.
For most headaches and low back pain You can get adjusted and find out why
are not a life threatening problem but even Physical stress is most commonly caused people who have chosen this are reluctant
if you believe that to be true in your case, by over exertion or trauma that leads to to go back to the therapies that did not give
you should have the problem checked by subluxations. These are misalignments that them as much relief.
someone who knows how to diagnose and irritate the nerves and increase muscle ten- Chiropractic will not correct every case
treat them. sion both of which can cause more pain. of headaches or lower back pain but it can
help and will do so without the side effects
Most headaches are tension headaches With structures as complicated as the of drugs.
and about 13% are the more severe mi- neck and the lower back any one vertebra,
graines we have all heard about or felt. disc or muscle that is not exactly where it
Headaches can however, be an indication belongs can cause everything else to be out
of a more serious underlying problem and of balance and create more stress and pain.
as such should be checked to rule out a
more life threatening condition. What the Research Says

Low back pain can also be a symptom About 20 years ago the Agency for
of a more severe problem that should be Health Care Policy and Research reviewed
diagnosed and addressed right away. For all the known literature on acute low back
most though it will be something that can pain. As part of their study they rated
be corrected or at least managed. therapies for effectiveness in treating lower
back pain.
What Can Be Done?
So what should you know about this
All too often a medical doctor will tell study?
you that this is a “self limiting” problem
and that it will go away. Of course if you First, it recommended against surgery
and left that as the last choice for far more
serious conditions. Most medical thera-
pies did not fare much better including

Independent Business Media Magazine® Phoenix| 13

The Best Way to Protect Your Brand

LEGAL PERSPECTIVES By Maria Crimi Speth & Michael B. Dvoren

According to federal statute, a the United States Patent and Trademark Of- the same or a confusingly similar trade-
trademark is any word, name, fice (“USPTO”) expands your trademark mark with the USPTO. If you rely only on
symbol, or device, or any combi- rights beyond the limits of common law your common law rights, the geographic
nation thereof used by a person protection in a number of ways. First, the trade area that you have established will
to identify and distinguish his or her goods geographic scope of a federal trademark be frozen if someone else files for a federal
or services. registration is the entire United States and registration for the same trademark. Ab-
its territories. If a competitor in a remote sent a federal registration, you could find
When you hear “I’m Lovin’ It,” you may geographic area of the U.S. begins using a your business unable to expand its use of
think of McDonalds. You probably know “The trademark that is confusingly similar to its trademark(s).
King of Beers,” is a reference to Budweiser. yours, your federal registration enables you
And the phrase “Just Do It” undeniably refers to legally stop such use (assuming certain Federal registration also gives you the
to Phil Knight’s iconic sports brand Nike. Be- other facts are true). Relying on only com- right to use the ® with your trademark. Let-
cause consumers identify those phrases with a mon law trademark rights would leave you ting others know that a word or phrase is a
particular source of products or services, they with no legal ability to stop such remote use registered trademark is an important deter-
qualify as trademarks. if it is beyond the geographic limits of your rent that makes it far less likely that another
common law rights. business will adopt the same or a confus-
Your business likely has at least one, ingly similar trademark.
and maybe several trademarks. You have Second, a federal registration carries
built those trademark rights through us- with it a legal presumption of validity of Finally, having registered trademarks
ing them in connection with your goods or the registered mark, the owner’s owner- increases the value of your brand and your
services. But absent a federal registration, ship of it, and the owner’s exclusive right to business. Lenders, investors, licensees, and
your rights are limited in ways you might use it in commerce in connection with the prospective purchasers expect companies
not expect. goods or services specified in the registra- to protect their intellectual property and
tion. In the event of an infringement, a reg- the best way to protect a trademark is by
There are numerous disadvantages to re- istered trademark owner does not need to registering it with the USPTO.
lying only on the common law trademark prove these things. Rather, the trademark
rights that arise automatically from using certificate is considered proof. This can be There are additional benefits of hav-
a trademark. For example, common law a powerful legal tool to enforce your trade- ing a federally registered trademark not
trademark rights are established only in mark rights both in and out of court. After discussed herein. The benefits discussed
the geographic trade area where you can five years of continuous use of a federally above, however, highlight the importance
establish that you have a customer base. If registered mark from its date of registra- of registering your trademark with the
you have a brick and mortar business, you tion, a mark owner can also file with the USPTO. It is also important to work with
can likely only establish a trade area up to USPTO for “incontestable” status for that a qualified attorney to prepare and file your
a certain radius around your location. This mark. Once a mark is incontestable, the trademark application for registration.
could be only a few miles depending on the owner’s trademark rights become even There are numerous pitfalls for the unwary
nature of your business. If you think that stronger as the registration becomes “con- who wrongly believe that a trademark ap-
having an Internet presence avoids this clusive evidence” of the mark’s validity, the plication is just like any other government
geographic limitation, think again. Even if owner’s ownership of it, and the owner’s form. A trademark application is an im-
Internet sales comprise a substantial part exclusive right to use it in commerce on or portant legal document in which certain
of your business and your business has in connection with the goods or services representations must be made that must be
a global reach, your trade area is still de- specified in the registration. accurate and truthful. A qualified attorney
fined as where you have a substantial cus- can help you navigate these, avoid costly
tomer base. If your customers are scattered Next, federal registration provides “con- and time-consuming mistakes, and fill out
around the country, you may be unable to structive notice” to the world of the own- and file an application that stands the best
establish any trade area. er’s claim of ownership of their registered chance of achieving federal registration.
trademark. When enforcing your trade-
As another example, enforcing your mark rights against infringers through the
common law trademark rights against courts, you do not need to prove that an
infringers through the courts requires infringer had actual knowledge of your
additional burdens of proof that would trademark because they are presumed to
be presumed in your favor if you feder- know about your trademark as of its date
ally registered your trademark. Using only of registration. This can be important
common law trademark rights, you will when courts evaluate your legal claims and
have the burden of proving your trade- defenses against infringers.
mark’s validity, your ownership rights to it,
and your exclusive right to use it on or with Another benefit of federal registration
the goods or services you sell. is that it prevents others from registering

Federally registering your trademark with

14 | www.Independentbusinessmedia.co

5 Ways to Conquer Sugar Cravings
By Teri Elkins, BS, CHC, CPT

Cravings are something most in- your overall chocolate cravings. ing lonely can do this as well. For me, stress
dividuals (like myself) struggle 2. Leave It At The Store. triggers immense cravings.
with at times, so you’re not alone!
Cravings can be triggered by Like the saying goes, “out of sight, out Also, being dehydrated may also be the
many things including: sights, sounds, of mind”. If you want to make healthier cause of your cravings. Next time you feel
aromas, environment, stress and more. A choices, then you need to only keep health- a craving coming on, drink a glass of wa-
perfect example of this is a typical evening ier foods choices in your house. After los- ter and then wait 10 minutes to see if the
of watching your favorite TV show and a ing over 75lbs myself, this step has helped craving goes away. Most individuals do not
commercial for ice creams comes on. All of me and my family stick to our new health- drink nearly enough water throughout the
sudden you remember there is a container ier habits. For instance, my entire family day. Not a fan of water? Try adding some
of your favorite Ben and Jerry’s Ice Cream loves Oreo’s. If I buy a bag of Oreo’s it will slices of fresh lemon, cucumber, orange
and it won’t stop calling your name until be gone within 2 days….sometimes the slices, lime, strawberries or peppermint es-
you rescue it from the freezer. same day I buy them! But I know what sential oil to your water.
you are thinking, “I like to keep a few treats 5. Six Other Ways to Conquer Cravings.
Since our appetite and our eating habits for my kids (or grandkids) to have.” It’s
do not exist in a bubble, cravings can be much harder to develop new healthier eat- Get enough sleep – we eat more when
triggered by things that are part of our daily ing habits as an adult than as a child. Just we’re tired.
lives such as stress, loneliness, or boredom. in Arizona, it’s been reported that 40% of
The better we understand our cravings children are overweight or obese. Eat something healthy first – then you
though, the more equipped we are to deal night not even want the sweets or junk food.
with them constructively. Instead of keeping cookies, chips and can-
dy in your pantry, stock your kitchen full of Use healthy sweets – eat fruit instead of a
So what can you do to reduce cravings? pre-cut veggies, fresh fruit and healthier op- treat with processed sugar.
By adopting the following five practices, tions of your favorite snack foods.
you can reduce your cravings for sugar or 3. Be a Food Label Detective. As yourself if you’re craving something
other unhealthy foods and drinks. besides food – call a friend, watch a movie,
1. Don’t Skip Meal. We’ve been taught to look at the calories read a book, go for walk, or take a nap.
and fat content on food labels, but not the
When we skip meals, we may think we’re actual INGREDIENTS, which in my opin- L-Glutamine – a daily 2,000 mg dose
reducing our calories for the day thus pro- ion is MORE important! It’s shocking and a may help conquer your sugar cravings.
moting our weight loss. The problem with bit scary what our food is made up of these
this is it usually leads to overeating later on days, even the so called “healthy” foods. Eat enough protein and healthy fats –
in the day and making our cravings more these keep you satiated longer and you’ll
intense, especially for sugar! Pretty soon To eat healthy food, you need to know consume fewer calories without being
you are running to the nearest vending ma- what’s in it. That means you have to read hungry. Pick whole foods and less animal
chine grabbing whatever you can get your the label despite what the label says. Many protein. Great sources of protein include:
hands on, which is usually cookies, donuts, so-called “healthy” foods often contain brown rice, quinoa, nuts, beans, mush-
crackers, chips, and soda. sugar, but it can be disguised under a differ- rooms, asparagus, and oatmeal.
ent name as well as being listed more than
It’s important to spread out your meals once under these different names. Once you start to understand the connec-
as evenly as possible throughout the day tion between what you eat, why you eat and
with lower-glycemic whole foods, which Here are just a few of the names sugar how you feel, you will feel more in control of
will help keep your blood sugar more level goes by: high fructose corn syrup, brown your food choices and be able to start mak-
thus reducing those intense cravings. Of- sugar, raw sugar, beet sugar, dextrose, malt- ing healthier ones. Conquering your crav-
ten, sugar or other intense cravings (i.e. salt ose, sorbitol, maltodextrin, barley malt, ings will not happen overnight, but the more
or chocolate) is our body’s response to a turbinado, and ethyl maltol. you take the time to listen to your body and
mineral deficiency. For instance, craving start making healthier choices, the less the
chocolate may mean your body is deficient If reading food labels seems overwhelm- cravings will overtake your life.
in magnesium. Eating foods such as nuts, ing to you, there is a great free app I like to
seeds, veggies and fruit may help reduce use myself and recommend to all of my cli- To get more tips on nutrition, fitness,
ents called Fooducate. You simply scan the stress management, weight loss and read
barcode on the food package with your smart about my own 75lbs weight loss journey,
phone and it will give you a grade between A then visit my website www.terielkins.com.
– D, as well as the reason why the particular Have a specific question? Send me a mes-
food received its grade. This app truly takes sage I would love to hear from you!
the guess work out of picking healthier foods
and kids love to use the app too! Cheers to Your Health + Happiness,
4. Are You Hungry or Are You Really Teri Elkins, BS, CHC, CPT
Craving Something Else? References: https://www.healthiergenera-
tion.org/about_childhood_obesity/in_your_
What do you crave that’s not food? Some- state/arizona/
times our cravings are caused by things we Pulde, A. M.D., and Lederman, M. M.D.
feel are missing from our lives and food fills (2010). Keep it Simple, Keep it Whole: Your
that void for us. Stress, feeling bored or be- Guide to Optimum Health. Published by the
Exsalus Health & Wellness Center.
Women’s World Magazine (2015, May 25).

Independent Business Media Magazine® Phoenix| 15



LOCAL ENTREPRENEURIAL COUPLE
LAUNCHES DOCUMENTTRUNK

    COMPANY PROFILE                                     

DocumentTrunk, the first and DocumentTrunk as a thorized executors contact information,
only digital database that pro- solution. which is accessible 24/7 and can be quickly
actively communicates while updated without editing restrictions, to
safely storing consumer’s most “My wife and I cre- ensure that documents are secure through-
precious life documents, announced its ated DocumentTrunk out life’s changes. The verification system
launch today and is now available to the from a personal need,” also proactivity communicates with its us-
public. DocumentTrunk’s unique web- said Brian Beal. “We ers for additional security protection and
based program is a long-term solution to were faced with the continual proof of life, as well as reminders
secure and store consumer’s estate plan- same inadequate op- that are vital to the upkeep of estate plan-
ning documents to reduce the common tions that everyone is ning paperwork.
risks, fraudulent activity, and challenges given once your will,
associated with the last wishes of the de- trust, or other impor- DocumentTrunk’s interactive user
ceased to help protect them and their fam- tant documents are fin- communication includes reminders for
ily members’ assets. ished. Trusted people ensuring estate plans are up-to-date, le-
change, banks go un- gally sound, or due for a legal check-up.
An Arizona-based couple, Brian and der, safe combinations In the case of death or disability, Docu-
Natasha Beal, launched DocumentTrunk are lost, documents mentTrunk’s proactive communication
to help protect a family’s future security fade and disappear. system automatically notifies the autho-
in a time of mourning and grief and en- That’s why we were inspired to create Doc- rized executors of an individual’s estate
sure that their last wishes are met safely umentTrunk.” plan, including the attorney who drafted
and efficiently in today’s modern world. DocumentTrunk is the only web-based the estate plan, life insurance agents, trust-
DocumentTrunk allows users to upload program that is multi-faceted includ- ees, beneficiaries, and authorized fam-
their estate planning documents quickly ing document storage, verifiable system ily members, to efficiently distribute the
and easily with its user friendly and inter- and authorized database access, proactive necessary documents needed. Authorized
active program for e-filing, compared to communication and user notifications, recipients have no access to the informa-
traditional hard copies and safety deposit instant editing capabilities, and a patent tion prior to the DocumentTrunk’s client
box storage. Traditional storage and fil- pending life status notification system. passing on.
ing of estate planning documents raises DocumentTrunk’s patent pending web
many potential risks for consumers- from crawler program searches the internet on a “As an attorney who only handles dis-
misplaced documents to inaccurate up- daily basis looking for obituaries, news ar- putes and litigation, I see situations where
dates- which is why the Beal’s developed ticles, and proof of life for each of its users. something has gone wrong,” said Kent
If the crawler identifies a potential death Berk, managing partner at Berk Law
or disability, the DocumentTrunk staff is Group, P.C.  “It is not uncommon for peo-
immediately notified and begins person- ple to lose or not be able to locate impor-
ally verifying proof of life before contact- tant documents, such as their last will and
ing the user’s family members. Once veri- testament, trust, powers of attorney and
fied, DocumentTrunk’s database releases other estate planning documents.  Docu-
the user’s estate planning documents to mentTrunk provides an innovative solu-
authorized executors in the order the user tion by allowing parties to securely store
requested. their most important legal and other docu-
DocumentTrunk’s system verifies own- ments and ensure that copies are provided
ership of each uploaded document to to those that need them.”
guarantee secure access, allowing docu-
ment owners to select family members or DocumentTrunk offers users multiple
authorized persons access to their estate price and storage options, starting at $9.99
planning paperwork in the worst-case per month.
scenario. User’s input loved ones and au-
For more information about Docu-
mentTrunk please visit www.docu-
menttrunk.com, or call 888-843-2719.

Independent Business Media Magazine® Phoenix| 17

Ike Devji

18 | www.Independentbusinessmedia.co

A Passion for Protection-
It’s Not Just What You Make,

It’s What You Keep!

By Susan Cushing

When people are particularly pas- your job is suing people, and taking money ditional stress, risk, distraction and often
sionate about their chosen field, away from them,” says Devji. significant out of pocket losses that can
that commitment and drive can ends in bankruptcy, in the worst cases. The
usually be traced back to a per- This experience offered him an inside difference is, the first physician took the
sonal experience or influential event. Such view of exactly what the process involves, time to consult with an experienced asset
is the case with Ike Devji, who has dedi- what the lawyers and law firms are after, protection attorney and put the right risk
cated more than a decade to working ex- and who, ultimately controls lawsuits. management and legal barriers in place to
clusively as an asset protection lawyer. For segregate their personal and professional
Devji, it was a combination of experiences. “Plaintiffs like to think that they control risks and assets while they had a legal right
Coming from a family of entrepreneurs, he the lawsuit,” Devji explains, “the reality is, to do so, while the other did not.
saw first-hand what happens when people it’s also heavily controlled by the law firm.
abuse the legal system, and when hard- Many times the reality of which lawsuits The Science of Asset Protection
working business owners don’t have all of and defendants are pursued, is based on a
the information and counsel they should. couple of factors that don’t necessarily have “I discovered that there was this science
Later, he would have an up-close look at anything to do with actual fault or guilt.” called asset protection,” Devji explains,
just how litigation works, and why certain “that smart, well-advised, successful peo-
people are more susceptible targets than According to Devji, these factors in- ple employed to lockdown everything
others. clude: the plaintiff ’s ability to keep paying they’d ever worked for. And, I thought that
for litigation regardless of the result, and was a much more interesting field, and
“I’ve personally experienced many of the another is based on how collectible the one that allowed me to sleep much more
issues that I now protect my clients from,” person who is being sued is. soundly. I relate to these people, they are
explains Devji. “I’ve been in their shoes, like the people in my family who have
and have helped people in my own fam- “What I discovered as a young attorney, worked hard and built businesses. I love
ily, who own their own businesses and deal is that there is a math equation tied to al- seeing people succeed, and I like helping
with a lot of these exposures.” most every lawsuit,” he says. “The good, people succeed at keeping what they’ve
smart, experienced litigation lawyers that I earned.”
Unlike litigation, asset protection is a was working for, didn’t waste time chasing
proactive area of the law, and Devji stresses people who weren’t collectible, unless the The former managing attorney of one
that virtually everyone, not just multi-mil- plaintiff didn’t care, and was willing to pay of the country’s largest asset protection
lionaires, is susceptible. out of pocket just to make a point.” only law firms, Lodmell & Lodmell, P.C.,
Devji remains of-counsel with the firm, as
“We try to manage risk,” he says, “liti- “Furthermore,” he continues, “I learned well as with the multistate, Arizona based
gation is often just responding to a crisis that the people who had taken the time law firm of Davis Miles McGuire Gardner,
after something bad has happened. Risk- and done something proactive to protect where he helped establish formal practice
management is the component of being what they had and what they’d earned, groups in the areas of asset protection and
proactive, of identifying risks and mea- were in a very different position than those wealth preservation.
sures to avoid or control them which is a who were merely good at making money.”
very important part of what we do.” His practice centers on proactively iden-
As an illustration he compares two tifying and managing risks and liabilities,
Like many attorneys, Devji came out of physicians, each earning a healthy an- and implementing legal structures that
law school and went into what is referred nual income and with similar net worth. add surety to his client’s plans and wealth.
to as a commercial or civil litigation and Both are facing lawsuits, but one settles He helps protect an extensive and eclectic,
was exposed to a wide variety of legal is- quickly, for a much lower sum, while the national client base of thousands of clients,
sues and conflicts. other continues to fight a long, drawn represents nearly $6 billion in personal as-
out suit that seeks more than the limits of sets. These clients include family business
“You work in a setting where part of their insurance policy from the defendant
themselves. The latter situation creates ad-

Independent Business Media Magazine® Phoenix| 19

20 | www.Independentbusinessmedia.co

owners, physicians, executives, real estate us because they are worried about a pro- ing recurring income with a single lump
developers and builders, entrepreneurs in fessional risk.” sum
every imaginable business space and even
well advised professional athletes and c- Devji is also a contributing author to Not Just the Wealthy Are At Risk
level executives. the book, “Optimal Financial Health: The
Doctor’s Essential Wealth Management It is obvious by this list, that even those
Devji’s stellar reputation for knowledge and Preservation Handbook” and several of us who are far from the top 1% in wealth
and success in this highly specialized area other books on risk management and as- that many of Devji’s clients fall into, can still
is such that he is frequently called upon to set protection for HNW physicians. be targets given the right circumstances.
lecture, conduct seminars, and teach vari- The liability of owning a home or vehicle
ous professional groups around the coun- With a “10.0, Superb” rating by AVVO might be enough for someone to initiate a
try. He also frequently conducts continu- for 5 years in a row, Devji was voted into suit against us.
ing education (CME, CLE, CE) classes for Arizona’s Finest Lawyers, been named
medical practice groups, other attorneys, among WORTH magazines “Leading “There are basically only two ways to
CPAs and financial advisory groups. Wealth and Legal Advisors” and featured protect yourself and reduce your target
in the Wall Street Journal among other value,” Devji points out. “Make yourself a
He is also a noted author on the subjects distinctions. hard target either by having the right plan-
of risk management, wealth preservation, ning and protection in place when the law
asset protection and business law with “Over the years I’ve compiled a bullet- allows it, or don’t have any money, we don’t
hundreds of bylines in diverse publica- point list of who and what makes a par- recommend the latter.”
tions including WORTH, Advisor Today, ticular person more of a target for litiga-
a dozen medical journals including Physi- tion or other legal action, than others,” Asset protection should be viewed the
cians Practice, Public Accountant, Finan- says Devji. “Some of these people have same way people consider any type of in-
cial Consultant, and Life Insurance Selling significant professional liability, others are surance. For instance, it’s too late to acquire
magazine to name just a few. simply what I refer to as ‘guilty of walk- fire insurance on your home after a fire.
ing around wealthy’ or, at least perceived But with asset protection, one must be even
“I do a lot of teaching and writing on this as having a lot of money. Their perceived more proactive. According to Devji, many
subject,” he says. “That has been a real plea- wealth definitely makes them a more at- jurisdictions are very rigid when it comes
sure, to be exposed to so many different, tractive target, this is a problem that is to even the implied threat of a law suit and
successful entrepreneurs who face a bundle common to both professional athletes and have made acting late (commonly known
of problems that we see on a recurring ba- doctors.” as fraudulent conveyance) a criminal of-
sis, and that we have enough experience fense.
to identify and manage before they get in JUST A FEW RISK FACTORS OF THOSE NEED-
trouble. Sometimes these people come to ING ASSET PROTECTION “Say for example you are a small business
owner, and have not done everything you
You They are high net-worth, high liabil- should have to protect your assets,” he ex-
work ity, or-they will be soon (i.e. new doctor, plains. “One day while out shopping, your
in a rookie athlete, new business owner) spouse has a collision with another vehicle
setting where you think may lead to a claim. Even before
part of your They drive a vehicle and/or own a home the other driver has called an attorney or
job is su- They are a board member, officer or di- suggested they might bring legal action, it’s
ing people, rector of a public or private business already too late to scramble and put these
and taking They are a board member of a chari- barriers in place. In fact, if you do start
money away table, school private foundation or other moving money around or putting these
from them,” board shields in place, you could be additionally
They have assets that would be difficult charged with fraud.”
to replace if lost or reduced
They have employees According to Devji, asset protection
They own their own business should be part of every business plan and
They have professional liability considered one of the costs of doing busi-
They own liability generating assets like ness.
investment real estate
They are highly visible locally or nation- Another common myth that lulls people
ally and are perceived to hold substantial into a false feeling of safety is the vague
wealth and overly broad idea of “trusts” and es-
They have children, spouses and other tate planning or Revocable Living Trusts
extended family in their homes and driv- in particular. “Trusts definitely have their
ing their vehicles place, essentially providing assurance that
They are selling a business and replac- in the case of your death, your estate will be
disbursed according to your wishes, how-
ever a revocable living trust will do nothing

Independent Business Media Magazine® Phoenix| 21



to protect your assets from a lawsuit today,”
Devji explains.

He cautions that there are many dif-
ferent forms of trusts that are specialized
tools meant to do different things. “It’s vital
that you understand exactly what you trust
does and does not do and if it is ‘revocable’
or ‘irrevocable’, as just one of dozens of de-
tails to be addressed, the latter being com-
monly used for asset protection.”

So, the question is: with so many ap-
parent liabilities qualifying a person as
susceptible or an easy target to lawsuits,
why doesn’t everyone take advantage of
asset protection? The answer is two-fold:
first, most people aren’t aware of the need
or existence of such a thing, until it’s too
late. Secondly, many people, even those
with qualified financial advisors, are un-
der the misconception that the umbrella
insurance they carry is enough. For a more
extensive explanation of who and when as-
set protection is necessary, read Devji’s ar-
ticle, Common Fatal Flaws of Asset Protec-
tion Planning https://www.linkedin.com/
pulse/20140410213424-13558853-com-
mon-fatal-flaws-of-asset-protection-plan-
ning.

“Essentially it boils down to the fact, that
we as Americans are often crisis manag-
ers rather than proactive planners,” Devji
notes. “All you have to do is look at statis-
tics of how many people consistently visit
their dentist twice a year for check-ups,
and how many wait until they’re in pain.
It’s the same mindset. The trouble is, with-
out adequate asset protection planning, an
entire lifetime of earnings can be lost virtu-
ally overnight. Many of the people we work
with have already worked a lifetime to get
where they are and can’t do it again. Others
beat the odds and have great success at a
young age, or are on their way there. Not
matter the circumstances, I want to help
them use the law and my experience with
others to help them reach and keep that
success.”

Ike Devji
Pro Asset Protection
3131 E. Camelback RoadSuite
350Phoenix AZ 85016
(602) 808-5540
www.ProAssetProtection.com

Independent Business Media Magazine® Phoenix| 23

(BURGER) KING OF LINE
EXTENSION – A MODERN
BRAND MISSTEP

   BRANDING                    B y  Jo rd an W a ls h      

Igrew up in a small town outside launch took me right back there. BURGER KING® restaurants are
of Boston called Millis, Massa- Then I began to wonder why I felt bringing the signature flame-grilling
chusetts. During my formative disappointed. Perhaps I’m amazed technique they’ve been perfecting
years, Millis only had one traffic in this day and age brand leaders for more than 60 years to hot dogs
light and no chain restaurants. When convince companies the only way with the launch of Grilled Dogs. The
a shiny new McDonald’s popped to grow is to release unrelated prod- new menu item will be available at
up in the center of town, it was just ucts. Maybe it’s that major brands participating restaurants nation-
about the greatest thing to happen to appear unable to learn from history. wide, starting February 23rd. Grilled
us teenagers. Quickly “Mickey-D’s” Or maybe it’s that I’m having a hard Dogs are made with 100% beef and
(as well called it) became the place time coming to grips with my com- flame-grilled to perfection on the
to gather and hang out on Friday ing of age brand aging poorly. same grill where the WHOPPER®
nights. After high school (for me Press Release: Have It Your Way sandwich is made. The WHOPPER®
anyway) eating at Burger King was a Burger King sandwich is known as AMERICA’S
symbol of moving on from the kid’s FAVORITE BURGER®.
place and into adulthood. It was Here’s what Burger King has to say A Brief History of Line Extension
there at Burger King I would order about it’s venture into hot dog sales: McDonald’s McPizza
a Whopper and count the ways I was
so mature. BURGER KING RESTAURANTS From Wikipedia – McPizza was a
TO BECOME LARGEST RESTAU- pizza product that McDonald’s at-
At first, reading Burger King’s RANT CHAIN IN U.S. TO SERVE tempted starting in the 1980’s. The
announcement about its hot dogs FLAME-GRILLED HOT DOGS pizza originally began as a family-

MIAMI – February 11, 2016 –

24 | www.Independentbusinessmedia.co

sized pizza later it was scaled down around Burger King’s new venture: Burger King selling hot dogs.
to a personal-sized pizza. By 1991, With estimates as high as 20 bil- The Line Extension Distraction
the McDonald’s test markets for
pizza had grown to over 500 Mc- lion hot dogs consumed each year, One of the biggest problems with
Donald’s locations before the pizza “The introduction of Grilled Dogs line extension is it distracts a whole
test was placed on hold and discon- just made sense to our guests and company from its core business.
tinued in most restaurants by 2000. for our brand.” Burger King is in full hot dog mar-
As of January 2015, only two Mc- keting mode. The only messages its
Donald’s located in the US still offer Only half of this statement is sending into market are of hot dogs
pizza: Pomeroy, Ohio and Spencer, true. The introduction of Grilled and nothing about burgers.
West Virginia. Dogs only makes sense to people at A Better Path For Burger King
Jello Salad Burger King’s corporate office. Hot
dogs on Burger King’s menu makes Instead of trying to figure out how
Dan Myers with The Daily Meal no sense to customers who expect much of the hot dog market Burger
writes this about Jello Salad – It a fast food restaurant with “burger” King thinks it should get, concen-
might be tough to believe, but there in its name to sell burgers. Even if trate on figuring out how much of
was a time in American history hot dogs are good (and they prob- the burger market it has and how
when so many people were making ably are very good), Burger King to get more of it. The Burger King
Jell-O-based salads that the compa- is trying to convince customers a brand should be more concerned
ny felt compelled to release a prod- burger joint selling hot dogs is a about are the fast growing burger
uct that was specifically intended to better option than a hot dog joint chain competition like Five Guys,
encase vegetables. Ads for celery- selling hot dogs. Better products Smash Burger and Habit Burger.
flavored Jell-O showed elaborate don’t win. Better perceptions do. You can bet that these (relatively)
Bundt-style molds of green Jell-O, Changing well established percep- new brands are thrilled Burger King
with everything from pecans to to- tions is next to impossible. is off chasing the hot dog market and
mato wedges to olives, cucumber, keeping it eye off the (burger) ball.
tuna, and hard-boiled eggs sus- “We’re applying over 60 years of
pended within. But it wasn’t just flame-grilling expertise with the What Burger King has over these
celery though, the brand also re- Whopper sandwich to make Grilled newer brands is deeper pockets.
leased mixed vegetable, seasoned Dogs the next great American icon.” Burger King can outspend the
tomato, and Italian Jell-Os. Thank- third-tier burger chains in market-
fully we’ve come far enough as a Burger King clearly believes its ing and advertising. By hammering
society that savory Jell-O is no lon- success selling hamburgers trans- home its well established burger
ger a thing.Photo Credit: © Flickr / lates to success selling hot dogs. menu items, Burger King could
wandering_magpie Just ask McDonald’s who thought keep them at bay. Tighten the menu
Lifesavers Soda the same thing about McPizzas. and keep giving customers reasons
Didn’t anyone at Burger King raise to come back for burgers.
Mario Marsicano from Mental_ their hand in a meeting or send an Conclusion
Floss pens this short gem – Lifesav- email to question this idea? When
ers Soda was introduced back in the decisions are made by consensus It’s clear a lot is riding on the hot
80’s, and was off the shelves not too and individuals fear speaking out dog menu item launch at Burger
long after that. It came in five flavors, against an idea gaining momentum King. Perhaps the Al Ries and Jack
and apparently did well in taste tests it’s called groupthink. Trout Line Extension Law will not
before the launch. But the name just apply to Burger King and it may get
didn’t work with the product, as “We know the Whopper is Amer- America’s favorite hot dog title af-
consumers just weren’t looking for a ica’s favorite burger — we want this ter all. The long history of line ex-
candy they could drink. to be America’s favorite hot dog.” tension failures leads me to believe
Burger King’s hot dog launch will
Look in marketing’s rear view What a brand wants and what a be chronicled in detail with others
mirror and you will see an incredi- brand gets are very often complete- brands who were lured outside the
ble number of failed line extensions. ly different. I believe Burger King brand by the illusion of success.
Why brands with as long a history has fallen into what I call “brand-
as Burger King haven’t learned this think”. That’s when a marketing I’m off to get a Whopper and re-
lesson is perplexing. department convinces itself the an- flect on how mature I used to be.
From Groupthink to Brandthink swers for the brand are somewhere
out there in the next big thing – it
Here are three quotes from press makes moves detrimental to the
brand instead. Like a sixty-two
year old fast food restaurant called

Independent Business Media Magazine® Phoenix| 25

Protect Your Writings! federal courts around the country. Maria Each year, the designation of Rising Star
PHOENIX, Ariz. (April 5, 2016)- Join is the author of Protect Your Writings: is limited to not more than 2.5 percent of
A Legal Guide for Authors and Apple v. lawyers in
Maria Crimi Speth, Intellectual Prop- Samsung, The Balance Between Patent
erty attorney and author of Protect Your Rights and the Free Market. She has Arizona and New Mexico who are 40
Writings for an informative presentation numerous published articles and dozens years of age or younger, or in practice for
about the laws that affect writers and their of published court cases. 10 years or less.
creative work. Attendees will learn about
the laws relating to writing books, articles, For more information contact Lindsay The list of Southwest Super Lawyers® in-
blogs and how to avoid making common, Preach at 602.248.1044 or visit www. cludes:
costly legal mistakes. jaburgwilk.com.
Upcoming Seminars: Polsinelli Attorneys Selected for In- • Troy B. Froderman – Insurance Cover-
Saturday, April 30, 10:00 a.m. clusion in Southwest Super Lawyers® age
Scottsdale Society of Women Writers
Write On Workshop 2016 • Phillip P. Guttilla – Mergers and Ac-
Scottsdale Civic Center Library PHOENIX (April 14, 2016) National law quisitions
Scottsdale, AZ firm Polsinelli congratulates 12 attorneys
Learn more: http://www.meetup.com/ from its • Edward F. Novak – Criminal Defense:
Scottsdale-Society-of-Women-Writers/ Phoenix office who have been selected White Collar
events/229769622/ for inclusion in the 2016 Southwest Super
Lawyers® and • Paul J. Roshka, Jr. – Securities Litiga-
Speth practices in the areas of intel- Rising Stars. tion
lectual property, internet law, and com- Super Lawyers is a rating service of out-
mercial litigation, representing clients standing lawyers from more than 70 prac- The following attorneys were selected
throughout the United States. She focuses tice areas who for inclusion as Southwest Super Lawyers
her practice on assisting businesses in have attained a high-degree of peer rec- Rising
protecting their trademarks, copyrights, ognition and professional achievement.
trade secrets, information technology, The selection Stars®:
and other intellectual property through process is multi-phased and includes • Jennifer J. Axel – Business Litigation
preventative measures to avoid disputes independent research, peer nominations • John F. Barwell – Products Liability –
and through litigation when disputes and peer Products: Defense
arise. She has been practicing law for 28 evaluations. • Jonathan G. Brinson – Insurance Cov-
years and has handled cases in state and erage
• Melissa S. Ho – Criminal Defense:
White Collar
• Nathan J. Kunz – Business Litigation
2
• Rebecca N. Cain (Lumley) – Business
Litigation
• Andrew C. Stanley – Environmental
Litigation
• Craig Waugh – Business Litigation
sinelli PC. In California, Polsinelli LLP.
For more information, contact: Kelsey
Rockey, Parris Communications krockey@
parriscommunications.com 816-931-8900

26 | www.Independentbusinessmedia.co

HOW SAFEWISEAYLOTUHR?It’s Not JustWhat you Make, It’s AlsoWhatYou Keep.

Many of Arizona’s most successful business
people were blindsided by the recession and the Asset Protection Law

unimaginable loss of assets, litigation and nan-
cial hardship that came after it.

cthoamMt pmolseattjeoolrfyittehyxoopsfoetshpeeediortpholaeardnwyeelariearnbsehildiotycwkteehadalttthowleaasrn Ike Devji has over a decade of experience in this speciic
emerged and that their traditional estate plan- area of law and has been named among Worth Magazine's
ning did not protect them their during their life. Leading Wealth and Legal Advisors, is Included in Arizona's
Don’t repeat that cycle, you have the legal right Finest Lawyers, named Among North Valley Magazine's Top
pttfrohruoilniotagscckotwifvienyeodlyyuoo. rT.uhlraesburoecrcisseaasnsbdientthatenartdwpmlaayanntnoaignpegroyistoetuchrtertiohsnkesly Lawyers and has been Avvo "10.0, Superb" Rated 2011, 2012,
2013, 2014 and 2015!
Four VITAL Questions to Ask Yourself

1. Have you proactively identiied and managed the all
the professional and personal risks you can with the help of
experienced legal counsel?

2. If you lost what you have today, or some signiicant por-
tion of it, are you at an age, earning level and nancial condi-
tion that will allow you to maintain your family’s goals and

xed expenses?

3. Do you have assets that would be difficult or impossible
to replace given your current income, age, health and eco-
nomic conditions?

4. Are you nancially and legally prepared for a lawsuit
that is either uncovered by any liability insurance or which
often produces verdicts above the limits you are carrying? If
you are not comfortable with your answers, it’s time to take
responsibility and action for your nancial future TODAY. The
only effective, legal and predictable way to help you is to act
before a crisis occurs.

This planning goes far beyond what traditional estate and nancial planning alone can achieve and helps proactively identify and
manage risks and gives you the legal tools required to add predictability and peace of mind to your success.

Call today to see how your wealth can be preserved; it’s a simple process that will
identify your exposures and provide the straightforward answers you and your
family need.

AsatntodrsnoefysIukeccDeessvfjui laBnudshinisesasssOowcinateerss,hEexlepcpurtoivteesc,tDoovcetro$rs5, BRiellaiol EnsdtaotlelaErsntinrepperersnoenuarlsaasnsedtos tfhoer rasnuactcieosnsaful cl liinednitvbidausaeltsh. at includes thou-

3131 E. Camelback Road, Suite 350
Phoenix, AZ 85016 (602) 808-5540

www.ProAssetProtection.com