November 11, 2025 • 26 mins
A single board complaint can feel small on paper and still wreck your finances in the real world. We sit down with attorney and wealth strategist Matthew Meredith of Meridian Legal Advisors to map the hidden pathways risk takes: how judgments latch onto real estate, how wages and brokerage accounts get targeted, and how public records can block refinancing or delay your credentialing long after the case seems resolved.
Matt breaks down a clear, proactive playbook that separates what you own from what you do. We get specific about designing operating and holding companies, putting real estate in its own LLCs, and routing cash flow so a creditor can’t reach your paycheck in one step. We talk through the limits of insurance, the danger of commingling, and why governance, current operating agreements, clean banking resolutions, filed franchise taxes, makes or breaks the corporate veil when discovery starts. You’ll hear how coordination between legal, tax, and investment advisors closes gaps and prevents the costly whiplash of conflicting advice.
If you’ve ever thought “I have an LLC and an umbrella, I’m fine,” this conversation will change your checklist. You’ll leave with red flags to watch for, no‑go actions once a claim arises, and a maintenance rhythm that keeps protection real, not theoretical. Asset protection is legal when it’s proactive and transparent… and it’s for anyone with something to lose, not just the ultra‑wealthy.
If this helped you see your risk more clearly, follow the show, share it with a colleague, and leave a quick review so more professionals can safeguard their license and livelihood.
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Matt Meredith, Esq., CFP®, is the founder of Meridian Legal Advisors, a next-generation law firm focused on estate planning, tax strategy, and asset protection. With more than 20 years of experience in the financial services industry, he blends legal, tax, and investment expertise to create customized plans that work in practice, not just on paper.
Before founding Meridian, Matt led his own practice, guiding clients through estate planning, probate, and trust administration. He previously held leadership roles at J.P. Morgan Securities and Capital One Investing, and today also manages client investments through LPL Financial.
Through Meridian, Matt delivers a one-stop shop by uniting legal, tax, and financial disciplines under one roof. He helps families, entrepreneurs, and professionals protect assets, reduce taxes, and preserve wealth for future generations.
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Learn more about Matt and Meridian Legal Advisors! –
https://meridianlg.com/services/
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Get more information, details and resources on Know Your Regulator - https://www.belolaw.com/know-your-regulator
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
SPEAKER_02 (00:01):
Welcome back to Know Your Regulator, the podcast that
inspires you to engage.
I am your host, Simone Murfrey.
Today we're pulling back thecurtain on something that most
professionals never think about.
What happens financially ifyou're facing a board complaint
or a lawsuit?
We're talking beyond thatattorney retainer and those
court costs.
If you think the only issue iswith your license, there could
(00:21):
be so much more at stake.
I'm joined today by MatthewMeredith, who is an attorney and
wealth strategist.
Matt founded Meridian LegalAdvisors, which is a one-stop
shop for asset protection,estate planning, and tax
strategy.
He's known for creating estateplans that go beyond those
cookie-cutter approaches.
So he builds strategies thatprotect wealth from lawsuits,
(00:44):
creditors, and unnecessarytaxes.
Before founding Meridian, Mattled his own law practice for
four years and he heldleadership roles at JP Morgan
and Capital One.
Today he combines law, tax, andinvestment strategy to help
clients safeguard what they'vebuilt and ensure that it lasts
for generations.
(01:04):
Thanks so much for joining me,Matt.
SPEAKER_01 (01:06):
Thank you, Simone.
It's a pleasure to be here.
SPEAKER_02 (01:09):
Well, before we get too into things, Matt, can you
tell us in plain terms, whatdoes an asset protection
attorney do?
And why are these situationscalled hidden lawsuits?
What are professionalsoverlooking when they're focused
solely just on the boards andtheir license?
SPEAKER_01 (01:26):
That's a great place to start.
In terms of professionals, youknow, doctors, lawyers, other
type of people, the main goalfor an asset protection attorney
is to separate what you own fromwhat you do.
And there is risk associatedwith what we do as
professionals.
I'm an attorney, a doctor is adoctor.
And so we don't want it to spillover into our personal lives.
(01:50):
And it it's it's a cliche to sayit, but it really is own
nothing, control everything.
And I hate that saying becauseit's so, like I said, cliche,
but that is ultimately whatasset protection is.
And so when you get intosomething like what a hidden
lawsuit is, it's the risk thatwe don't really anticipate.
(02:11):
For a doctor, a perfect examplewould be a board complaint.
You know, it's just a boardcomplaint.
It's not, you know, somebodydied on the operating table.
Right.
Another one would be a billingaudit, maybe a patient
grievance.
You know, outside of theprofessional setting, it could
be like you and I had mentioned,a car accident.
(02:32):
Something that, hey, you know,there's these risks involved.
We don't think they're going toturn into lawsuit, but all of a
sudden it does.
And for, you know, for doctors,that's where asset protection
really kind of comes in andbridges the gap by it creates
boundaries before the risk everreaches your personal assets.
(02:53):
And a simple solution, just getit out of your name.
SPEAKER_02 (02:55):
Yeah.
So we're talking about veryunsuspecting situations where
everything you've worked for is,you know, totally on the line.
When a licensed professionalfaces a board complaint or, you
know, like you mentioned, or alawsuit, what kind of assets or
income streams are at risk?
SPEAKER_01 (03:14):
Well, well, you you put it perfectly in your
statement before the question.
It's not just your license thatat risk.
It's your livelihood.
And so, for example, if you're asole proprietor, which most of
the time doctors these days,they're not, but if you are a
sole proprietor, you areoperating out of you, your name,
you are the business.
(03:34):
Every single thing in your nameis at risk.
And so that's a major thing tohappen.
When you're working, you know,maybe as not a sole proprietor,
you still have things in yourname.
These are like savings accounts,rental properties, joint marital
assets.
They can come and get spousalincome as well if you're it's
(03:57):
not titled right.
One of my favorites, because youknow, my background is financial
advising and custom management,is brokerage accounts.
How many doctors have hugeamounts of money in their
brokerage accounts sitting intheir name?
I talk all the time to financialadvisors, particularly for some
of my clients, and it's like,wait, whoa, whoa, you have that
(04:18):
in their personal name?
This is a high-riskprofessional.
Get it out of their name.
Another thing that people don'tthink about is income.
You know, they can garnishwages.
So if you're being paid directlyfrom your company, if there's a
judgment against you, they cancome after that income.
Insurance for us, you know, forall of us professionals.
(04:39):
I've got it for both of mycompanies.
I've got it as expensive, butit's great.
It takes some of that worry off,but it doesn't really cover
everything.
And if it spills over that, andyou'll see it a lot of times,
you know, not in a professionalworld, a car accident, where it
just doesn't cover the wholething.
(05:00):
And then all of a sudden they'recoming after you personally.
And so there can be gaps.
And that's why it comes to thesituations where, hey, we've got
to protect ourselves beyondspill over.
SPEAKER_02 (05:13):
Yeah, absolutely.
So say a complaint getsresolved.
How can issues like malpracticeclaims, collections, judgments
like you mentioned, affectsomeone's finances even after
that complaint is or thecomplaint process has been
completed?
SPEAKER_01 (05:33):
So I I like to call them ripple effects.
You know, you have the incident.
The incident may not have beenthat much.
Maybe, maybe it gets resolved,the board says, hey, no problem,
keep your license.
But the financial side is goingto linger much, much longer than
the legal side.
And so let's say that therewasn't an issue.
(05:55):
Let's say you go in front of theboard, there's discovery done.
You know, there may even bestart of a trial.
There's discovery done.
And what happens later on ifsomebody, for example, you know,
you have a patient that had anissue and they sue, but there's
another patient or the daughterof another patient who turns
(06:16):
around and says, huh, that'sfunny.
That was my mom's doctor, andthis wasn't good.
I'm gonna check into this.
And so that becomes a seriousissue where, you know, we had
the main incidents and now it'srippling up and it's going
further and further.
And so when you talk about ajudgment, a judgment against
(06:36):
you, it'll attach to realproperty.
We already mentioned we can itcan come after income, they can
garnish wages.
They can, I I told you aboutbrokerage accounts, they'll grab
your brokerage account for you.
Another big one that I don'tthink many people think about is
it can affect you personally inyour career.
Like all of a sudden, if you ownyour own building, or let's say
(06:59):
you're you're a doctor and youhave your own buildings, well,
now you might have problems withpublic records showing the
creditor, like, no, you're highrisk.
I'm not I'm not gonna give you aloan.
And that becomes a huge problemwhen it comes to refinancing.
You know, public records canrestrict your employment.
Like, sorry, we we know whathappened.
(07:21):
We're not hiring you, you're atrisk for it.
Um, another one that I see quiteoften is it will delay your
credentialing.
You may have an issue that, hey,the board resolve, but this
other professional licensingsays, Well, wait a minute, we
need to check into this as well.
And then you're sitting theresaying, Well, what am I supposed
(07:44):
to do here?
And so it it ripples out fromthe get-go, and people just
don't expect it.
They think, hey, you know, it'sa one-time thing.
I I beat it, I'm done.
But that's not always the case.
SPEAKER_02 (07:57):
Yeah, no, it sounds like that there are so many
different ways behind thescenes.
You know, we talk about hiddenlawsuit, so many ways behind the
scenes that this can reallyaffect you beyond your license.
I mean, beyond your wages beinggarnished.
I mean, yeah, it woulddefinitely affect you
personally, mentally,personally.
(08:17):
What are the most commonmistakes?
You mentioned stuff that you seea lot.
What are those common mistakesthat you see professionals make
that could put them in a morevulnerable position to be at
risk for something like this?
SPEAKER_01 (08:30):
I would have to say the biggest one comes down to
assumptions.
I have an LLC and I haveinsurance and umbrella policy.
This is not just forprofessionals, it's for
everybody.
I haven't uh, you know, mybusiness is over here.
I'm living good, you know.
I have an umbrella policy.
So if I get into an accident orI I think I had mentioned to you
(08:52):
before, what happens if you'reat a bar with your spouse and
somebody is antagonizer and youyou get into a fight, and then
the next thing you know, they'resuing you.
Will your umbrella policyprotect you all the way?
We hope so.
SPEAKER_02 (09:06):
Yeah.
You don't want to, you don'twant to be caught on the end of
not having that protection, youknow?
SPEAKER_01 (09:12):
Definitely.
So insurance, it it pays for thedefense, but it's not really
going to protect your assets orfuture income and damages exceed
it.
And that's what we talk about inasset protection all the time.
To people is, okay, well, whathappens if the lawsuits more
than what happens?
What if you kill multiple peopleby accident?
You're on a boat, you're havinga good time, and several people
(09:35):
die.
You think your umbrella policythat you have is gonna cover all
of that?
And the look on the face islike, oh no, I probably not.
And then it becomes, I'm justnot gonna go on a boat anymore.
Um, probably the biggest one inasset protection, maybe the
second biggest one in assetprotection, is when commingling
(09:57):
happens.
So you have your personal life,you have your business.
Don't mix them.
Doctors in particular, we willsee that, oh, we're going to
Hawaii, honey.
The company's paying for it.
Oh, that's not that'scommingling.
And now you've done somethingwhich in all of law, I think, is
one of my favorite words.
You pierced the corporate veil.
(10:19):
And so what that ultimatelymeans is because you commingle,
now we can pierce through thiscompany and grab your assets
personally.
And so, you know, it becomes ahuge issue.
Here, here's an example ofco-mingling that most people
don't think about is I own mypractice in an LLC, and then I
(10:40):
own my building in my name.
So there's benefits going backand forth between each other
that some attorneys are going toargue, hey, you're you're
commingling.
And they just don't think aboutit.
You have to separate all theseassets from each other just so
you don't get that corporateveil pierced.
SPEAKER_02 (11:00):
Yeah.
SPEAKER_01 (11:01):
Another one that I like to really talk about is
failing to update yourstructure.
So I do probate as as well aspart of my practice.
And one of the things we'll seefrom time to time is you have an
old operating agreement that wasfiled with the bank.
And so the bank has people onthe accounts that you never
updated.
How many, how many doctors doyou know that have been in
(11:24):
practice for a long time?
They built out uh LLC, a score,any type of thing like this.
And it's been 20 years sincethey they've done it, done
anything about it, updated it.
I met a guy who still in hisoperating agreement had his two
dead partners.
Oh no, man.
Yes.
(11:45):
It's like, look, man, this is anightmare.
These people are no longer thereto sign anything and say, oh no,
I'm no longer in this company.
I fought with several banks overand over again about look, this
guy hasn't been part of thiscompany in years.
But they still said, well, youknow, we're gonna need all these
different corporate resolutions,we're gonna need all this stuff
(12:07):
built.
And so it's not, you know, theend of the world, but for the
the person, the executor, thepeople paying the attorney, now
I have to go and solve thisproblem with the bank.
So you have problems with theseold legal structures.
There's a saying in law that lawprotects what's maintained, not
what is intended.
(12:28):
And so you may be like, oh, Iplanned to file my franchise
taxes, but you never did.
Well, guess what?
Your company is no longer acompany and more in the state of
Texas because you're nowdefault.
So that protection you thoughtyou got is no longer there.
And that becomes really kind ofthe problem.
Um, and then kind of my lastone, which is my favorite, is
(12:50):
waiting until it's too late.
Like, I I have a claim againstme, I need your help, and you
know, I've got this money.
I need to what should I do withit?
Don't come to me and ask methat.
I'll tell you, well, here's theDepartment of Treasury's
address.
Just write it out to them andsend it because I can't help you
at this point.
(13:10):
It's too late.
And that's the problem.
We all think we're nine feettall and bulletproof, as my dad
used to tell me, until all of asudden we get knocked down.
And so don't wait until it's toolate because then I can't help
you.
And it's more you guys arehelping at that point.
SPEAKER_02 (13:28):
Right.
And those top two are so easy.
They're so easy.
You just have to make sure thatyou you carve out some space in
your professional life to makesure that those things are taken
care of.
SPEAKER_01 (13:40):
Exactly.
And, you know, as part ofMeridian, that's what we do for
you.
Because we've learned that if Iexpect you to do it, it's
probably not gonna happen.
But uh also a lot of things inasset protection, there's
anonymity involved.
So you can't always do ityourself.
You have to have a somebody elsedoing it.
Typically, you know, it'll bethe law firm or or affiliation,
(14:02):
and you have them do it, butyou're still responsible to make
sure it's being done.
Because if it's not being done,it doesn't matter who didn't do
it.
You're at risk.
SPEAKER_02 (14:14):
Right.
Yeah.
You're the responsible party.
It falls back on you.
SPEAKER_01 (14:18):
Yeah, every single time.
SPEAKER_02 (14:19):
So let's talk strategy.
What are the first steps that aprofessional should take to
protect themselves now beforeany legal issues can arise?
SPEAKER_01 (14:30):
So here's the thing that I find the biggest with
asset protection.
There's this horriblemisconception that it's about
hiding.
It's not about hiding, it'sabout protecting.
And ultimately, it's not for theultra-wealthy.
Everybody who has something toprotect needs to protect it.
And people, we talk aboutbrokerage accounts, near and
(14:53):
dear to me.
You have to protect that.
If you don't want that at risk,then do something about it.
Another thing that's veryimportant, or really the first
thing that's on our list isseparate your assets.
If you have an entity, let's sayan LLC, that is your practice,
don't put your building in thesame LLC.
(15:14):
Separate them because everythingin that LLC suddenly becomes
attached to that judgment.
And so we tell people all thetime look, you have a holding
company and you have anoperating company.
Don't ever mix the two becausethat's where you're going to run
into the problems.
Next, I would say it's reallyimportant to review what's in
your name personally.
We we said it in the verybeginning, my cliche word, own
(15:38):
nothing, control everything.
SPEAKER_00 (15:40):
Right.
SPEAKER_01 (15:40):
And it's true.
And I swear to God, I see onFacebook Reels, and it's the
guy, own nothing, controleverything, but he's right, but
don't be so cliche about it.
Um third, I would say cash flow.
Or you paying yourself directlyfrom your company.
Because if you are, that can begrabbed.
(16:01):
And so you have to be verycareful.
So don't pay yourself, pay yourholding company.
And so in the world of assetprotection, you know, I we're
like ogres, no?
We're onions.
You have layers.
There's layers, yeah.
There's layers to it.
So you'll have a holding companythat will drop down.
That holding company will ownseparate LLCs.
(16:24):
You don't own anything in theholding company because you
don't want the holding companyto get attached to it.
But let's say, you know, youhave an issue.
Well, your LLC pays your holdingcompany, and your holding
company can pay you.
That way there's another onionlayer in between you and the
money.
And so it's really important tokeep it all separate when it
(16:46):
comes down to that.
The fourth is my favorite.
It's coordinate advisors soeveryone is on the same page.
And we've yeah, we've talked alittle bit about, you know, my
purpose here with Meridian LegalAdvisors, is my background was I
was a financial advisor, I wasworking, and people needed a tax
(17:08):
person, a CPA, or people neededa lawyer.
I kept being told, you're not alawyer, don't give advice, which
is actual.
Don't do the unpractice, youknow.
So you would send them to theCPA, and then you'd send them to
the lawyer.
And you're thinking, all right,everything's good.
I I did a great job.
The client's gonna love me.
But no, the CPA gives bad advicethat the lawyer doesn't like.
(17:31):
And then the CPA starts beatinghis chest, saying, I'm not gonna
take this.
And then all of a sudden theclient's going back and forth,
paying all this money.
And the client comes back to youlike, thanks a lot.
I'm moving over to a newcompany.
And you're sitting there like, Itry to do what's right.
And so when I built Meridianout, it was enough of this.
I want everybody in the companyon the same page.
(17:53):
It's no longer a competition,it's no longer I'm sending you
away.
No, I'm sending you to the guythat I just talked to on the
phone and as we had coffee, andhe knows exactly what's going
on.
And then he's gonna send youback to me because he's gonna
tell me how I'm supposed tostructure this.
And that's the difference.
And it's something I feel inthis country, it's not done.
(18:14):
For some reason, the industrieshave forced themselves into
separation saying, if you can'tdo this, you can't do that.
And nobody really comes togetherand says we're all on the same
team and we're here for you.
SPEAKER_00 (18:27):
Yeah.
SPEAKER_01 (18:27):
I have I have met very few people in my life who
have sat down with their CPA,their asset protection attorney,
their estate planning attorney,and everybody looked at it.
And when when you talk to them,they're like, it was the most
intense meeting I ever had.
Like, oh my God.
And it's it's a differentapproach.
And that that's the whole pointof Meridian is let's change the
(18:51):
game so that we change theoutcome.
SPEAKER_02 (18:54):
Yeah, no, absolutely.
It sounds like it the holisticapproach is definitely making an
impact.
So let's talk about some redflags.
What are some red flags thatsomeone's current setup or they
you know the plan they have inplace could potentially be
exposing them to risk?
SPEAKER_01 (19:13):
So we we've talked about quite a few of them.
I I think the first one is youpersonally own everything.
If it's all in your name, we'vegot a problem.
I've met doctors who are verysuccessful.
I've met, you know, real estateinvestors who have 17 properties
and it's all in their name.
And I just I'm like, oh, this isthis is bad.
(19:36):
But you can't tell them that, ofcourse.
They'll start to fanning.
But it's when you personally areowning it, it becomes a problem.
Because if something attaches toyou, it attaches to everything.
Another one, which we, you know,kind of talked about a little
bit is operating everything inone company.
And you see it so often withprofessionals, you know,
(19:58):
lawyers, doctors, they buy thebuilding and the building's in
the company.
And so when there's amalpractice claim that can
breach over, now your building'sat risk.
Or they own the building intheir own personal name, so it's
still the same type of riskthat's involved.
SPEAKER_02 (20:14):
Yeah.
Um all your eggs in one basket,you know, kind of really puts
you at risk.
SPEAKER_01 (20:21):
Oh, it does.
I always joke, Mark Twain iswho's credited for saying that.
And I believe that you can putyour eggs in one basket, but you
better guard that basket.
SPEAKER_00 (20:33):
Yeah.
SPEAKER_01 (20:33):
And people don't properly guard it.
You can't walk away from it andsay, oh, okay, everything's
great, because the next thingyou know, your basket's gone.
unknown (20:41):
Yeah.
SPEAKER_01 (20:42):
And then you and then you're not eating eggs that
day.
SPEAKER_02 (20:44):
There's your, you know, hey, you have your
license, but there goes yourlivelihood flowing down the
river.
Yeah.
SPEAKER_01 (20:50):
Yeah.
Well, you know, another one, ofcourse, I I can think of, we
talked about as well asoperating agreements.
Have you updated it?
When you haven't updated it andyears have gone by, you may be a
lot less protected than what youthought you were.
And if that's the case, youknow, you're in serious trouble.
I really think that the biggestone I see though is the
(21:14):
overconfidence.
Like, I'm fine.
SPEAKER_02 (21:17):
It won't happen to me.
How could that, you know.
SPEAKER_01 (21:21):
And, you know, people, professionals, lawyers,
doctors, they're smart people.
They they're like, I've I'vethought it through, I've
anticipated the risk.
I don't want to spend the moneyto to get this type of setup.
So I'm good.
I'll just buy more insurance andI'll be fine.
And that's not the way to go.
Believing you're good but notchecking is a really bad
(21:43):
problem.
SPEAKER_02 (21:44):
What are some huge no-nos?
Like, say I'm a professional andI'm looking to protect my
assets.
I'm being proactive, but maybeI'm not privy to the laws.
What would be a huge do not dothat in this type of situation?
SPEAKER_01 (22:04):
So don't move assets once a claim has happened.
Once a claim has happened, it'stoo late.
And if you start moving thingsaround, you're gonna have
problems.
Another one that that I'll seefrom time to time is okay, I'm
gonna give my wife a gift of allmy money.
You think the court's just gonnalike, oh, don't worry about it.
It's a 1041, no problem at all.
(22:29):
Exactly.
And so I I think another thingthat that is so important when
we're talking about no-nos isfirst don't panic.
That's the main thing.
And you you get a complaint,you're gonna want to respond to
it.
It's natural.
Like, oh, I'm innocent.
Let me jump on here and respondto it.
And I'll talk to the to theopposing counsel, I'll talk to
(22:52):
the client.
As as an opposing counsel partyfrom time to time, that is the
greatest gift in the world youcan give me.
In fact, I I'll turn to my wifeand say, honey, you go buy that
new car because we're gonna geta payday.
And so that that becomes one ofthe main things.
You know, another thing is youhave to get outside counsel.
(23:15):
You can't do it alone.
Go get somebody who can protectyou, who can understand and
speak for you.
Don't go speak to the board onyour own.
Bring your attorney.
Never speak to anybody withoutyour attorney there.
But again, the biggest thing,and I'm gonna quote my um my
movie here is don't panic andbring a towel.
(23:36):
I I like to think that realprotection is maintained.
It's not bought and forgotten.
And that's what so many peopledo.
Why?
Because I don't have the time toworry about this.
I'm busy.
I've got seven surgeries.
I I don't know how manysurgeries they'd have in a day.
SPEAKER_02 (23:54):
Hey, maybe.
Depends, maybe a hand surgeon,quick, quick in and out.
SPEAKER_01 (23:59):
Maybe so.
And that's the problem with it.
And so here's the thing (24:01):
you don't have to go this alone.
That's what people like me arefor.
At Meridian, we do biannualmeetings.
You just have to show up, jumpon Zoom.
If it's in person, I even bringthe Kalachis because we want you
to be happy and you know, nobodylikes going through their
(24:22):
finances and making sureeverything's great.
But it's it's not all up to you.
That's why you build a team ofcoordinated advisors.
SPEAKER_02 (24:31):
Yeah.
No.
And like you said, that holisticapproach is so much more
impactful.
And hey, a calachi can't hurttoo, right?
SPEAKER_01 (24:41):
You know, I had I had a client bring me a calachi
for our meeting, and he becamemy favorite client.
SPEAKER_02 (24:47):
I bet that just made your day.
That's so awesome.
SPEAKER_01 (24:49):
Yeah.
And it's like, I was gonna giveyou bad news.
I can wait now.
SPEAKER_02 (24:54):
Well, Matt, where can listeners go so they can
learn more about Meridian LegalAdvisors and the work that you
guys do?
SPEAKER_01 (25:02):
So, of course, our website, meridianlg.com, that
that's where we're at.
Um, we're on LinkedIn, ofcourse.
You can find me and and thecompany.
We're slowly starting to get outmore material, reels, podcasts,
things like that.
So we're we're around and you'regonna start hopefully seeing a
lot more of us in your feeds andeverywhere else.
SPEAKER_02 (25:23):
Awesome.
Love it.
Love to hear it.
Well, Matt, thanks so much forjoining me today in spotlighting
where professionals may notrealize that they have so, so
much on the line.
No one expects to face acomplaint or a lawsuit, but
we've definitely learned thatthe difference between surviving
versus losing everything thatyou've worked for really starts
(25:45):
with that preparation and thatand that, like you said,
holistic approach to protection.
SPEAKER_01 (25:51):
Correct.
Uh, you know, asset protectionis legal when it's proactive and
transparent.
It's not legal when it'sreactive and deceptive.
So I always tell people look,start now.
You may not need it, and if youdon't need it, your attorney
should tell you.
But what if you do need it andyou're not protecting yourself?
Give yourself a good night'ssleep while not worrying.
SPEAKER_02 (26:13):
You don't have to wait until a complaint or a
lawsuit lands on your desk toask if you're protected.
Take the time now to review howyour assets and practice are
structured.
And if you need some guidance,check out the links below to
learn more about Matt andMeridian Legal Advisors.
Subscribe to Know Your Regulatorfor more episodes that help you
protect your license andlivelihood.
And until next time, stayinspired and continue engaging
(26:36):
with your regulatory agency.
Welcome back to Know Your Regulator, the podcast that
inspires you to engage.
I am your host, Simone Murfrey.
Today we're pulling back thecurtain on something that most
professionals never think about.
What happens financially ifyou're facing a board complaint
or a lawsuit?
We're talking beyond thatattorney retainer and those
court costs.
If you think the only issue iswith your license, there could
(00:21):
be so much more at stake.
I'm joined today by MatthewMeredith, who is an attorney and
wealth strategist.
Matt founded Meridian LegalAdvisors, which is a one-stop
shop for asset protection,estate planning, and tax
strategy.
He's known for creating estateplans that go beyond those
cookie-cutter approaches.
So he builds strategies thatprotect wealth from lawsuits,
(00:44):
creditors, and unnecessarytaxes.
Before founding Meridian, Mattled his own law practice for
four years and he heldleadership roles at JP Morgan
and Capital One.
Today he combines law, tax, andinvestment strategy to help
clients safeguard what they'vebuilt and ensure that it lasts
for generations.
(01:04):
Thanks so much for joining me,Matt.
SPEAKER_01 (01:06):
Thank you, Simone.
It's a pleasure to be here.
SPEAKER_02 (01:09):
Well, before we get too into things, Matt, can you
tell us in plain terms, whatdoes an asset protection
attorney do?
And why are these situationscalled hidden lawsuits?
What are professionalsoverlooking when they're focused
solely just on the boards andtheir license?
SPEAKER_01 (01:26):
That's a great place to start.
In terms of professionals, youknow, doctors, lawyers, other
type of people, the main goalfor an asset protection attorney
is to separate what you own fromwhat you do.
And there is risk associatedwith what we do as
professionals.
I'm an attorney, a doctor is adoctor.
And so we don't want it to spillover into our personal lives.
(01:50):
And it it's it's a cliche to sayit, but it really is own
nothing, control everything.
And I hate that saying becauseit's so, like I said, cliche,
but that is ultimately whatasset protection is.
And so when you get intosomething like what a hidden
lawsuit is, it's the risk thatwe don't really anticipate.
(02:11):
For a doctor, a perfect examplewould be a board complaint.
You know, it's just a boardcomplaint.
It's not, you know, somebodydied on the operating table.
Right.
Another one would be a billingaudit, maybe a patient
grievance.
You know, outside of theprofessional setting, it could
be like you and I had mentioned,a car accident.
(02:32):
Something that, hey, you know,there's these risks involved.
We don't think they're going toturn into lawsuit, but all of a
sudden it does.
And for, you know, for doctors,that's where asset protection
really kind of comes in andbridges the gap by it creates
boundaries before the risk everreaches your personal assets.
(02:53):
And a simple solution, just getit out of your name.
SPEAKER_02 (02:55):
Yeah.
So we're talking about veryunsuspecting situations where
everything you've worked for is,you know, totally on the line.
When a licensed professionalfaces a board complaint or, you
know, like you mentioned, or alawsuit, what kind of assets or
income streams are at risk?
SPEAKER_01 (03:14):
Well, well, you you put it perfectly in your
statement before the question.
It's not just your license thatat risk.
It's your livelihood.
And so, for example, if you're asole proprietor, which most of
the time doctors these days,they're not, but if you are a
sole proprietor, you areoperating out of you, your name,
you are the business.
(03:34):
Every single thing in your nameis at risk.
And so that's a major thing tohappen.
When you're working, you know,maybe as not a sole proprietor,
you still have things in yourname.
These are like savings accounts,rental properties, joint marital
assets.
They can come and get spousalincome as well if you're it's
(03:57):
not titled right.
One of my favorites, because youknow, my background is financial
advising and custom management,is brokerage accounts.
How many doctors have hugeamounts of money in their
brokerage accounts sitting intheir name?
I talk all the time to financialadvisors, particularly for some
of my clients, and it's like,wait, whoa, whoa, you have that
(04:18):
in their personal name?
This is a high-riskprofessional.
Get it out of their name.
Another thing that people don'tthink about is income.
You know, they can garnishwages.
So if you're being paid directlyfrom your company, if there's a
judgment against you, they cancome after that income.
Insurance for us, you know, forall of us professionals.
(04:39):
I've got it for both of mycompanies.
I've got it as expensive, butit's great.
It takes some of that worry off,but it doesn't really cover
everything.
And if it spills over that, andyou'll see it a lot of times,
you know, not in a professionalworld, a car accident, where it
just doesn't cover the wholething.
(05:00):
And then all of a sudden they'recoming after you personally.
And so there can be gaps.
And that's why it comes to thesituations where, hey, we've got
to protect ourselves beyondspill over.
SPEAKER_02 (05:13):
Yeah, absolutely.
So say a complaint getsresolved.
How can issues like malpracticeclaims, collections, judgments
like you mentioned, affectsomeone's finances even after
that complaint is or thecomplaint process has been
completed?
SPEAKER_01 (05:33):
So I I like to call them ripple effects.
You know, you have the incident.
The incident may not have beenthat much.
Maybe, maybe it gets resolved,the board says, hey, no problem,
keep your license.
But the financial side is goingto linger much, much longer than
the legal side.
And so let's say that therewasn't an issue.
(05:55):
Let's say you go in front of theboard, there's discovery done.
You know, there may even bestart of a trial.
There's discovery done.
And what happens later on ifsomebody, for example, you know,
you have a patient that had anissue and they sue, but there's
another patient or the daughterof another patient who turns
(06:16):
around and says, huh, that'sfunny.
That was my mom's doctor, andthis wasn't good.
I'm gonna check into this.
And so that becomes a seriousissue where, you know, we had
the main incidents and now it'srippling up and it's going
further and further.
And so when you talk about ajudgment, a judgment against
(06:36):
you, it'll attach to realproperty.
We already mentioned we can itcan come after income, they can
garnish wages.
They can, I I told you aboutbrokerage accounts, they'll grab
your brokerage account for you.
Another big one that I don'tthink many people think about is
it can affect you personally inyour career.
Like all of a sudden, if you ownyour own building, or let's say
(06:59):
you're you're a doctor and youhave your own buildings, well,
now you might have problems withpublic records showing the
creditor, like, no, you're highrisk.
I'm not I'm not gonna give you aloan.
And that becomes a huge problemwhen it comes to refinancing.
You know, public records canrestrict your employment.
Like, sorry, we we know whathappened.
(07:21):
We're not hiring you, you're atrisk for it.
Um, another one that I see quiteoften is it will delay your
credentialing.
You may have an issue that, hey,the board resolve, but this
other professional licensingsays, Well, wait a minute, we
need to check into this as well.
And then you're sitting theresaying, Well, what am I supposed
(07:44):
to do here?
And so it it ripples out fromthe get-go, and people just
don't expect it.
They think, hey, you know, it'sa one-time thing.
I I beat it, I'm done.
But that's not always the case.
SPEAKER_02 (07:57):
Yeah, no, it sounds like that there are so many
different ways behind thescenes.
You know, we talk about hiddenlawsuit, so many ways behind the
scenes that this can reallyaffect you beyond your license.
I mean, beyond your wages beinggarnished.
I mean, yeah, it woulddefinitely affect you
personally, mentally,personally.
(08:17):
What are the most commonmistakes?
You mentioned stuff that you seea lot.
What are those common mistakesthat you see professionals make
that could put them in a morevulnerable position to be at
risk for something like this?
SPEAKER_01 (08:30):
I would have to say the biggest one comes down to
assumptions.
I have an LLC and I haveinsurance and umbrella policy.
This is not just forprofessionals, it's for
everybody.
I haven't uh, you know, mybusiness is over here.
I'm living good, you know.
I have an umbrella policy.
So if I get into an accident orI I think I had mentioned to you
(08:52):
before, what happens if you'reat a bar with your spouse and
somebody is antagonizer and youyou get into a fight, and then
the next thing you know, they'resuing you.
Will your umbrella policyprotect you all the way?
We hope so.
SPEAKER_02 (09:06):
Yeah.
You don't want to, you don'twant to be caught on the end of
not having that protection, youknow?
SPEAKER_01 (09:12):
Definitely.
So insurance, it it pays for thedefense, but it's not really
going to protect your assets orfuture income and damages exceed
it.
And that's what we talk about inasset protection all the time.
To people is, okay, well, whathappens if the lawsuits more
than what happens?
What if you kill multiple peopleby accident?
You're on a boat, you're havinga good time, and several people
(09:35):
die.
You think your umbrella policythat you have is gonna cover all
of that?
And the look on the face islike, oh no, I probably not.
And then it becomes, I'm justnot gonna go on a boat anymore.
Um, probably the biggest one inasset protection, maybe the
second biggest one in assetprotection, is when commingling
(09:57):
happens.
So you have your personal life,you have your business.
Don't mix them.
Doctors in particular, we willsee that, oh, we're going to
Hawaii, honey.
The company's paying for it.
Oh, that's not that'scommingling.
And now you've done somethingwhich in all of law, I think, is
one of my favorite words.
You pierced the corporate veil.
(10:19):
And so what that ultimatelymeans is because you commingle,
now we can pierce through thiscompany and grab your assets
personally.
And so, you know, it becomes ahuge issue.
Here, here's an example ofco-mingling that most people
don't think about is I own mypractice in an LLC, and then I
(10:40):
own my building in my name.
So there's benefits going backand forth between each other
that some attorneys are going toargue, hey, you're you're
commingling.
And they just don't think aboutit.
You have to separate all theseassets from each other just so
you don't get that corporateveil pierced.
SPEAKER_02 (11:00):
Yeah.
SPEAKER_01 (11:01):
Another one that I like to really talk about is
failing to update yourstructure.
So I do probate as as well aspart of my practice.
And one of the things we'll seefrom time to time is you have an
old operating agreement that wasfiled with the bank.
And so the bank has people onthe accounts that you never
updated.
How many, how many doctors doyou know that have been in
(11:24):
practice for a long time?
They built out uh LLC, a score,any type of thing like this.
And it's been 20 years sincethey they've done it, done
anything about it, updated it.
I met a guy who still in hisoperating agreement had his two
dead partners.
Oh no, man.
Yes.
(11:45):
It's like, look, man, this is anightmare.
These people are no longer thereto sign anything and say, oh no,
I'm no longer in this company.
I fought with several banks overand over again about look, this
guy hasn't been part of thiscompany in years.
But they still said, well, youknow, we're gonna need all these
different corporate resolutions,we're gonna need all this stuff
(12:07):
built.
And so it's not, you know, theend of the world, but for the
the person, the executor, thepeople paying the attorney, now
I have to go and solve thisproblem with the bank.
So you have problems with theseold legal structures.
There's a saying in law that lawprotects what's maintained, not
what is intended.
(12:28):
And so you may be like, oh, Iplanned to file my franchise
taxes, but you never did.
Well, guess what?
Your company is no longer acompany and more in the state of
Texas because you're nowdefault.
So that protection you thoughtyou got is no longer there.
And that becomes really kind ofthe problem.
Um, and then kind of my lastone, which is my favorite, is
(12:50):
waiting until it's too late.
Like, I I have a claim againstme, I need your help, and you
know, I've got this money.
I need to what should I do withit?
Don't come to me and ask methat.
I'll tell you, well, here's theDepartment of Treasury's
address.
Just write it out to them andsend it because I can't help you
at this point.
(13:10):
It's too late.
And that's the problem.
We all think we're nine feettall and bulletproof, as my dad
used to tell me, until all of asudden we get knocked down.
And so don't wait until it's toolate because then I can't help
you.
And it's more you guys arehelping at that point.
SPEAKER_02 (13:28):
Right.
And those top two are so easy.
They're so easy.
You just have to make sure thatyou you carve out some space in
your professional life to makesure that those things are taken
care of.
SPEAKER_01 (13:40):
Exactly.
And, you know, as part ofMeridian, that's what we do for
you.
Because we've learned that if Iexpect you to do it, it's
probably not gonna happen.
But uh also a lot of things inasset protection, there's
anonymity involved.
So you can't always do ityourself.
You have to have a somebody elsedoing it.
Typically, you know, it'll bethe law firm or or affiliation,
(14:02):
and you have them do it, butyou're still responsible to make
sure it's being done.
Because if it's not being done,it doesn't matter who didn't do
it.
You're at risk.
SPEAKER_02 (14:14):
Right.
Yeah.
You're the responsible party.
It falls back on you.
SPEAKER_01 (14:18):
Yeah, every single time.
SPEAKER_02 (14:19):
So let's talk strategy.
What are the first steps that aprofessional should take to
protect themselves now beforeany legal issues can arise?
SPEAKER_01 (14:30):
So here's the thing that I find the biggest with
asset protection.
There's this horriblemisconception that it's about
hiding.
It's not about hiding, it'sabout protecting.
And ultimately, it's not for theultra-wealthy.
Everybody who has something toprotect needs to protect it.
And people, we talk aboutbrokerage accounts, near and
(14:53):
dear to me.
You have to protect that.
If you don't want that at risk,then do something about it.
Another thing that's veryimportant, or really the first
thing that's on our list isseparate your assets.
If you have an entity, let's sayan LLC, that is your practice,
don't put your building in thesame LLC.
(15:14):
Separate them because everythingin that LLC suddenly becomes
attached to that judgment.
And so we tell people all thetime look, you have a holding
company and you have anoperating company.
Don't ever mix the two becausethat's where you're going to run
into the problems.
Next, I would say it's reallyimportant to review what's in
your name personally.
We we said it in the verybeginning, my cliche word, own
(15:38):
nothing, control everything.
SPEAKER_00 (15:40):
Right.
SPEAKER_01 (15:40):
And it's true.
And I swear to God, I see onFacebook Reels, and it's the
guy, own nothing, controleverything, but he's right, but
don't be so cliche about it.
Um third, I would say cash flow.
Or you paying yourself directlyfrom your company.
Because if you are, that can begrabbed.
(16:01):
And so you have to be verycareful.
So don't pay yourself, pay yourholding company.
And so in the world of assetprotection, you know, I we're
like ogres, no?
We're onions.
You have layers.
There's layers, yeah.
There's layers to it.
So you'll have a holding companythat will drop down.
That holding company will ownseparate LLCs.
(16:24):
You don't own anything in theholding company because you
don't want the holding companyto get attached to it.
But let's say, you know, youhave an issue.
Well, your LLC pays your holdingcompany, and your holding
company can pay you.
That way there's another onionlayer in between you and the
money.
And so it's really important tokeep it all separate when it
(16:46):
comes down to that.
The fourth is my favorite.
It's coordinate advisors soeveryone is on the same page.
And we've yeah, we've talked alittle bit about, you know, my
purpose here with Meridian LegalAdvisors, is my background was I
was a financial advisor, I wasworking, and people needed a tax
(17:08):
person, a CPA, or people neededa lawyer.
I kept being told, you're not alawyer, don't give advice, which
is actual.
Don't do the unpractice, youknow.
So you would send them to theCPA, and then you'd send them to
the lawyer.
And you're thinking, all right,everything's good.
I I did a great job.
The client's gonna love me.
But no, the CPA gives bad advicethat the lawyer doesn't like.
(17:31):
And then the CPA starts beatinghis chest, saying, I'm not gonna
take this.
And then all of a sudden theclient's going back and forth,
paying all this money.
And the client comes back to youlike, thanks a lot.
I'm moving over to a newcompany.
And you're sitting there like, Itry to do what's right.
And so when I built Meridianout, it was enough of this.
I want everybody in the companyon the same page.
(17:53):
It's no longer a competition,it's no longer I'm sending you
away.
No, I'm sending you to the guythat I just talked to on the
phone and as we had coffee, andhe knows exactly what's going
on.
And then he's gonna send youback to me because he's gonna
tell me how I'm supposed tostructure this.
And that's the difference.
And it's something I feel inthis country, it's not done.
(18:14):
For some reason, the industrieshave forced themselves into
separation saying, if you can'tdo this, you can't do that.
And nobody really comes togetherand says we're all on the same
team and we're here for you.
SPEAKER_00 (18:27):
Yeah.
SPEAKER_01 (18:27):
I have I have met very few people in my life who
have sat down with their CPA,their asset protection attorney,
their estate planning attorney,and everybody looked at it.
And when when you talk to them,they're like, it was the most
intense meeting I ever had.
Like, oh my God.
And it's it's a differentapproach.
And that that's the whole pointof Meridian is let's change the
(18:51):
game so that we change theoutcome.
SPEAKER_02 (18:54):
Yeah, no, absolutely.
It sounds like it the holisticapproach is definitely making an
impact.
So let's talk about some redflags.
What are some red flags thatsomeone's current setup or they
you know the plan they have inplace could potentially be
exposing them to risk?
SPEAKER_01 (19:13):
So we we've talked about quite a few of them.
I I think the first one is youpersonally own everything.
If it's all in your name, we'vegot a problem.
I've met doctors who are verysuccessful.
I've met, you know, real estateinvestors who have 17 properties
and it's all in their name.
And I just I'm like, oh, this isthis is bad.
(19:36):
But you can't tell them that, ofcourse.
They'll start to fanning.
But it's when you personally areowning it, it becomes a problem.
Because if something attaches toyou, it attaches to everything.
Another one, which we, you know,kind of talked about a little
bit is operating everything inone company.
And you see it so often withprofessionals, you know,
(19:58):
lawyers, doctors, they buy thebuilding and the building's in
the company.
And so when there's amalpractice claim that can
breach over, now your building'sat risk.
Or they own the building intheir own personal name, so it's
still the same type of riskthat's involved.
SPEAKER_02 (20:14):
Yeah.
Um all your eggs in one basket,you know, kind of really puts
you at risk.
SPEAKER_01 (20:21):
Oh, it does.
I always joke, Mark Twain iswho's credited for saying that.
And I believe that you can putyour eggs in one basket, but you
better guard that basket.
SPEAKER_00 (20:33):
Yeah.
SPEAKER_01 (20:33):
And people don't properly guard it.
You can't walk away from it andsay, oh, okay, everything's
great, because the next thingyou know, your basket's gone.
unknown (20:41):
Yeah.
SPEAKER_01 (20:42):
And then you and then you're not eating eggs that
day.
SPEAKER_02 (20:44):
There's your, you know, hey, you have your
license, but there goes yourlivelihood flowing down the
river.
Yeah.
SPEAKER_01 (20:50):
Yeah.
Well, you know, another one, ofcourse, I I can think of, we
talked about as well asoperating agreements.
Have you updated it?
When you haven't updated it andyears have gone by, you may be a
lot less protected than what youthought you were.
And if that's the case, youknow, you're in serious trouble.
I really think that the biggestone I see though is the
(21:14):
overconfidence.
Like, I'm fine.
SPEAKER_02 (21:17):
It won't happen to me.
How could that, you know.
SPEAKER_01 (21:21):
And, you know, people, professionals, lawyers,
doctors, they're smart people.
They they're like, I've I'vethought it through, I've
anticipated the risk.
I don't want to spend the moneyto to get this type of setup.
So I'm good.
I'll just buy more insurance andI'll be fine.
And that's not the way to go.
Believing you're good but notchecking is a really bad
(21:43):
problem.
SPEAKER_02 (21:44):
What are some huge no-nos?
Like, say I'm a professional andI'm looking to protect my
assets.
I'm being proactive, but maybeI'm not privy to the laws.
What would be a huge do not dothat in this type of situation?
SPEAKER_01 (22:04):
So don't move assets once a claim has happened.
Once a claim has happened, it'stoo late.
And if you start moving thingsaround, you're gonna have
problems.
Another one that that I'll seefrom time to time is okay, I'm
gonna give my wife a gift of allmy money.
You think the court's just gonnalike, oh, don't worry about it.
It's a 1041, no problem at all.
(22:29):
Exactly.
And so I I think another thingthat that is so important when
we're talking about no-nos isfirst don't panic.
That's the main thing.
And you you get a complaint,you're gonna want to respond to
it.
It's natural.
Like, oh, I'm innocent.
Let me jump on here and respondto it.
And I'll talk to the to theopposing counsel, I'll talk to
(22:52):
the client.
As as an opposing counsel partyfrom time to time, that is the
greatest gift in the world youcan give me.
In fact, I I'll turn to my wifeand say, honey, you go buy that
new car because we're gonna geta payday.
And so that that becomes one ofthe main things.
You know, another thing is youhave to get outside counsel.
(23:15):
You can't do it alone.
Go get somebody who can protectyou, who can understand and
speak for you.
Don't go speak to the board onyour own.
Bring your attorney.
Never speak to anybody withoutyour attorney there.
But again, the biggest thing,and I'm gonna quote my um my
movie here is don't panic andbring a towel.
(23:36):
I I like to think that realprotection is maintained.
It's not bought and forgotten.
And that's what so many peopledo.
Why?
Because I don't have the time toworry about this.
I'm busy.
I've got seven surgeries.
I I don't know how manysurgeries they'd have in a day.
SPEAKER_02 (23:54):
Hey, maybe.
Depends, maybe a hand surgeon,quick, quick in and out.
SPEAKER_01 (23:59):
Maybe so.
And that's the problem with it.
And so here's the thing (24:01):
you don't have to go this alone.
That's what people like me arefor.
At Meridian, we do biannualmeetings.
You just have to show up, jumpon Zoom.
If it's in person, I even bringthe Kalachis because we want you
to be happy and you know, nobodylikes going through their
(24:22):
finances and making sureeverything's great.
But it's it's not all up to you.
That's why you build a team ofcoordinated advisors.
SPEAKER_02 (24:31):
Yeah.
No.
And like you said, that holisticapproach is so much more
impactful.
And hey, a calachi can't hurttoo, right?
SPEAKER_01 (24:41):
You know, I had I had a client bring me a calachi
for our meeting, and he becamemy favorite client.
SPEAKER_02 (24:47):
I bet that just made your day.
That's so awesome.
SPEAKER_01 (24:49):
Yeah.
And it's like, I was gonna giveyou bad news.
I can wait now.
SPEAKER_02 (24:54):
Well, Matt, where can listeners go so they can
learn more about Meridian LegalAdvisors and the work that you
guys do?
SPEAKER_01 (25:02):
So, of course, our website, meridianlg.com, that
that's where we're at.
Um, we're on LinkedIn, ofcourse.
You can find me and and thecompany.
We're slowly starting to get outmore material, reels, podcasts,
things like that.
So we're we're around and you'regonna start hopefully seeing a
lot more of us in your feeds andeverywhere else.
SPEAKER_02 (25:23):
Awesome.
Love it.
Love to hear it.
Well, Matt, thanks so much forjoining me today in spotlighting
where professionals may notrealize that they have so, so
much on the line.
No one expects to face acomplaint or a lawsuit, but
we've definitely learned thatthe difference between surviving
versus losing everything thatyou've worked for really starts
(25:45):
with that preparation and thatand that, like you said,
holistic approach to protection.
SPEAKER_01 (25:51):
Correct.
Uh, you know, asset protectionis legal when it's proactive and
transparent.
It's not legal when it'sreactive and deceptive.
So I always tell people look,start now.
You may not need it, and if youdon't need it, your attorney
should tell you.
But what if you do need it andyou're not protecting yourself?
Give yourself a good night'ssleep while not worrying.
SPEAKER_02 (26:13):
You don't have to wait until a complaint or a
lawsuit lands on your desk toask if you're protected.
Take the time now to review howyour assets and practice are
structured.
And if you need some guidance,check out the links below to
learn more about Matt andMeridian Legal Advisors.
Subscribe to Know Your Regulatorfor more episodes that help you
protect your license andlivelihood.
And until next time, stayinspired and continue engaging
(26:36):
with your regulatory agency.
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