如果回想80年代，您可能还记得麦当劳’s McDLT（如果您不这样做，请查看下面的广告’记得）。麦当劳’s was selling a burger with packaging that kept the 热 side 热, and the cool side cool. Although the McDLT didn’t last, the 热 vs. cool asset strategy is used in smart asset protection and estate planning protection.
All assets and activities have different levels of lawsuit liability and risk. The more likely that an asset or activity will lead to a lawsuit, the 热ter it is. For example, rental real estate is a 热 asset because it is a source of liability like a lawsuit from tenant accidents, environmental clean-up, etc. Stocks and bonds are cool assets because they do not expose you to liability. Any smart asset protection attorney is going to design an ownership structure that prevents your 热, liability-producing assets from “infecting” your cool, safer assets. If all of your assets are owned together, then you risk losing your cool assets from liability created from your 热 assets.
许多企业主为其业务结构形成一个LLC。尽管这在一开始可能很好，但是随着企业开始获得价值并增加资产，继续采用这种所有权结构变得有风险。随着时间的流逝，企业可能会购买财产或开发有价值的知识产权。没有理由与您从事的同一业务实体一起拥有这些资产“hot”雇用员工和销售服务等活动。你不’t have to put all your eggs in one basket as the saying goes. A simple solution is to create separate business entities to segregate the 热 from the cool assets or activities. For example, a doctor who owns the building where his medical practice is located, would own the building in one entity, and then lease the office space to his other business entity that provides services to patients.
科林·莱伊（Colin Ley）是 西雅图资产保护律师。他还是他的妻子Shreya的共同创始人。