With the Cops in Hot Pursuit, the
Escaped Convict Ran into the Rental Unit.

He Jumped the Banister and Hit the Ground,
Breaking His Leg.

Then, He Sued the Unit Owners for
$5 Million for Negligence.

The Lawsuit Could Have Wiped Them Out.

Instead, it Served as Their Wake-Up Call...
To Follow the Advice in This Letter.


Dear Reader,

John M. and John Jr. had done well in rental real estate.

When the bank would foreclose on a house, they would take it over with no money down and fix it up for rent and eventual resale. Sophisticated and smart, this father-and-son team had built up a portfolio of some 300 rental units, and established a quasi-monopoly on the rental market in the mid-size American city where they lived.

They drove nice cars, lived in nice homes, and had a very nice net worth.

Then that jailbird entered their lives and changed everything in a few seconds.

It just isn't fair...

...that decent people like John M. and John Jr. can work hard all their lives, building protection and security for their families...trying to play by the rules...only to have some low-life waltz in and snatch it all away.

But that's just bad luck, you say. Things like that happen to other people, not you.

Is that so?

  • In New York state, a clumsy workman, high on a lunch of cocaine and beer, fell off a roof; the owner of the roof had to cough up $1 million.


  • In Houston, a nurseryman buying flowers and shrubs tried to pay in cash; he was apprehended because he fit the profile of a drug dealer, and the $9,600 he was carrying was confiscated. It took him two years to get the cash returned, even though he was not convicted.

  • In Maryland, two men tried to dry their hot-air balloon in a commercial dryer, which exploded; the dryer manufacturer was hit for nearly $900,000.


  • Farm worker Joseph Lopes' mentally disturbed son planted some marijuana in the back yard. The son got probation and counseling and never had another legal problem. But an overzealous law enforcement officer reopened the file, and Lopes lost the home he'd saved 49 years to buy.


  • In Pennsylvania, an overweight man with a history of heart disease suffered a heart attack while trying to start a lawnmower; he sued the lawnmower manufacturer and a jury awarded him $1 million-plus half a million more in interest.
It can happen to you-to anyone. And no, it's not fair. But you can defend yourself-against unscrupulous lawyers, uncaring corporations, heartless government agencies, and all the others who wouldn't hesitate to ruin your life...as long as it benefited theirs.

That's what John M. and his son did. That's what this letter is about.

After the insurance company gave the bad guy $18,000 to go away, John M. and John Jr. realized they could lose everything unless they made some changes, fast. So they came to me.

I described dozens of clever tools and strategies to select from-offshore trusts...family limited partnerships... corporations and LLCs...tax havens...dual citizenship...tax-saving ideas...and much more.

Every one perfectly legal. Up to now, these wealth-defending techniques have been the exclusive province of the moneyed few. Is that fair? I think not.

You have the same concerns as them. And unlike them, a malicious lawsuit could wipe you out.

I'm out to make these techniques available to every American who can benefit from them.

In these days when millionaires aren't rare and an upper middle class income is $150,000 a year, you need asset protection if you own a home...if you've set aside a few dollars in an investment account, a 401(k) or an IRA...own vacation property (or even a timeshare)...drive a nice car, wear a Rolex, whatever. If this is you, then the letter in your hand could be the most important one you read in 2004...

The Isle of Man...the Higginbothem decision...and you

John M. and John Jr.* still live a lifestyle commensurate with their hard work and enterprising spirit. But anyone who tries to sue them now will be royally disappointed. They moved their entire real estate portfolio offshore. All their properties now are owned by a series of entities on the Isle of Man.

They could have kept their assets in the U.S. and sheltered them with a variety of trusts-which I'll describe later in this letter-but they decided, as many of my clients do, that offshore was best for them. It's not for everyone, of course. But it isn't far-fetched or exotic either. When done right, offshore asset protection is an intelligent, prudent strategy, as some of the world's wealthiest people have discovered.

The Isle of Man, a self-governing Crown dependency, lies in the Irish Sea to the west of Great Britian. It's less than 60 miles west of the Lancashire coastline, easy to get to by plane or boat, and a most pleasant spot to visit.

I'm not actually suggesting you go there yourself. It's a great place to send your assets, though.

We have a gentleman named Higginbothem, among others, to thank for this state of affairs.

The ruling that bears his name basically says this: "If you protect your assets in an Isle of Man entity, and you weren't trying to evade your creditors when you set up the entity, no one can seize those assets."

Many solid, stable island nations-including Gibraltar, Jersey and Guernsey-offer the same friendly types of laws as the Isle of Man. But only the Isle of Man has the Higginbothem ruling.

Elsewhere in this letter, I tell the stories of other clients whom I helped using various asset protection strategies-Joe and Jane M., Dr. and Mrs. Y.

These nice people came to me before their troubles, lucky for them. The courts could not say they were trying to evade their creditors. When trouble surfaced, they were clean. Apart from cars, clothes and the odd dining-room set, they had nothing for a grasping plaintiff to seize.

John M. and John Jr. were lucky, too. They got off with an $18,000 warning.

How the super-rich stay that way

Offshore asset protection is just one of many strategies the super-rich use to stay that way. Here are some others:

  • Effective estate planning, using tools such as living wills, durable and health care powers of attorney, wills that are drafted to avoid probate, planned giving, offshore trusts, living trusts, irrevocable trusts, life insurance trusts, family limited partnerships and joint ownerships


  • Tax avoidance via business entities such as Limited Liability Companies (LLCs) and Subchapter S corporations, setting up businesses in "friendly" states, deducting hobbies as business expenses, and keeping it all legal


  • Dual citizenship, expatriation and relocating to paradise-10 countries where the living is easy, the laws are friendly, and prosperous Americans are welcomed with open arms

  • Safeguarding your kids' education-five little-known ways to cut college costs


  • Cutting taxes to the bone, and then some, with trusts-Charitable Remainder Trusts, Qualified Personal Residence Trusts, Charitable Lead Trusts, Section 2503(c) Trusts, Dynasty Trusts plus many others-and planned giving


  • Fighting the IRS and winning-how to survive an audit, how to negotiate a better deal with IRS (really!), how to reverse an IRS audit, how to make the best of a bad situation
Every one of these techniques, strategies, plans, plots and ploys is discussed in The Complete Art of Wealth Defense new from The Oxford Club.

This comprehensive 580-page wealth defense instruction manual provides dozens of strategies to safeguard your wealth and well-being.

I supervised the project and wrote many of the chapters. So perhaps it's time to introduce myself.

My name is David Melnik. I am a lawyer in Toronto, a former professor of finance, and Director of the Wealth Protection Program of The Oxford Club.

I've gathered together the eight most talented individuals I know-lawyers, CPAs, and experts in international and offshore asset protection, estate planning, wills and trusts, corporate and business law.

One is a former Member of Congress from Maryland. Another is listed in the last three editions of The Best Lawyers in America.

Just look what they've delivered:

  • America's Favorite Family Trust. It goes by many names-"credit bypass trust," "credit shelter trust," "residuary trust," "family trust," "pass-through trust," "A&B trust" ("A" and "B" being husband and wife). Whatever you call it, this instrument makes it easy to will all your property to your surviving spouse free of any estate tax, and get gift tax exemptions worth up to $7 million in 2009 per married couple.


  • The Best Estate-Tax Avoidance Plan. You may give away $11,000 per person per year without filing a gift tax return. But here's how to give away even more and make yourself wealthier in the process. The reasons lie buried in the tax laws, but any intelligent investor can understand it the way we explain it in The Complete Art of Wealth Defense.


  • Q-TIPs, Spendthrifts and Sprinkles. A few years ago, the young heir to a large chunk of a famous family fortune became ensnared by his overextended financial commitments. Forced to file a $20+ million bankruptcy-the largest in American history at the time-he nevertheless went on living in style as beneficiary of two "spendthrift trusts" his wealthy grandparents had created. These trusts were a godsend for our feckless friend, but you should be cautious. The "spendthrift trust" is not foolproof, as you'll learn in The Complete Art of Wealth Defense. We show you two alternatives with cute nicknames-the "sprinkle" trust (so-called because the trustee has the power to literally "sprinkle" trust benefits as he or she sees fit), and the "Q-TIP" (qualified terminable interest property trust). The Q-TIP has solved a lot of problems for folks in second marriages, you'll be interested to discover.


  • Not All Trust Haven Nations Are Created Equal. Some leak your secrets like a rusty rowboat...others promise protections they're unable to deliver. But The Complete Art of Wealth Defense steers you away from such pitfalls, with up-to-date recommendations on beauty spots in the Caribbean, Central America, the South Seas-even an obscure, charming European principality. Each one worth a visit-whether your assets live there or not.
This just scratches the surface. The Complete Art of Wealth Defense examines dozens of devices that help keep your assets safe from predators. So you can ensure that safe and secure future for your family that you've worked for...and they deserve.

Why stand by watching your wealth be stolen from you via unfair taxes, government confiscation, malicious or frivolous lawsuits-merely because you lack the basic protections the wealthy have always enjoyed?

The answer is you shouldn't. Nor should it cost you an arm and a leg to put these very protections and tax-saving vehicles in place.

And with The Complete Art of Wealth Defense sitting on your desk, it won't...

This program explains everything in plain, simple English.

When your Complete Art of Wealth Defense program arrives, you'll be able to immediately implement a CUSTOMIZED asset protection and tax reduction program.

To start with, you'll get four key components you can use right away to stop paying unnecessary taxes and erect a fortress around your wealth that's as impenetrable as Fort Knox. These are...

UNIT 1: The Foundation of Your Wealth Protection Plan-Quickly discover the many types of wealth preservation tools available. At a glance, you'll be directed to the resources that apply to your particular asset security and legal tax avoidance needs.

UNIT 2: Form Your Own Corporation: Your Ultimate Tax Strategy-Learn which business structure will save you the most money, the best places to establish it, how it can make your assets instantly invulnerable, and many ways it will cut your tax bill this year.

UNIT 3: Family Limited Partnerships: Your Secret Wealth Protection Weapon-see how to legally avoid 98% of taxes on life insurance benefits, avoid costly probate fees, keep creditors at bay and double your inheritance and gift tax exemptions.

UNIT 4: Defending Your Wealth With Trusts-Find out how trusts can save you hundreds of thousands of dollars, make your assets invisible to wealth snatchers, protect your life insurance benefits, and provide tax-free income for your children.

These four components will help you save many thousands of dollars (or more) in income and estate taxes using strategies that have been tested and proven by the country's wealthiest individuals.

Most of these techniques just require filling out a form or making a call or two. The numbers to call and the forms you'll need will be right at your fingertips.

Imagine the looks of surprise and jealousy when others find out how little you pay in taxes. And that's nothing compared to the pleasure of having more money to save and spend, the security of having "untouchable" assets, and the knowledge that your heirs will get their inheritance with as little taxation and red tape as possible.

But this is only the beginning...

Our updated program covers even more sophisticated tactics!

The Complete Art of Wealth Defense has four additional components, designed to take your asset protection plan-and your wealthy lifestyle-to a level of sophistication you may never have imagined.

UNIT 5: Gifts That Give Back-Find out how a charitable remainder trust can give you a huge tax deduction, wipe out future capital gains taxes, give you or your family lifetime income, protect you from inflation, protect your assets from creditors, and provide for your children's education. Discover the advantages and procedures for using family foundations, charitable gift annuities, irrevocable life insurance trusts, qualified personal residence trusts, family limited partnerships, and other tax-saving devices.

UNIT 6: Defending Your Wealth With Offshore Trusts-See why an offshore trust can give you the maximum tax benefits allowed by law, the highest degree of financial privacy, the highest level of asset protection, and access to the most profitable investments in the world.

UNIT 7: Don't Be Afraid of the IRS: An Insider's Guide to Surviving the Audit Process-Learn how to reduce your chances of being audited, how to answer an auditor's questions, what information you should not bring to an audit, techniques to successfully appeal or negotiate a lower tax bill, how to stop the IRS from levying your wages and property, and many more tips and strategies to get the taxman off your back.

UNIT 8: The Ultimate Estate Plan: Dual Citizenship & Expatriation-Discover how a second passport can protect you against both terrorists and abuse by your own government. You'll discover how to legally achieve dual citizenship, the best foreign passports to hold, and best of all... how moving abroad may free you of all income taxes for the rest of your life.

The wealth increasing strategies presented in this program are "old hat" to generations of wealthy Americans. They've used them for decades to preserve and grow large estates. And now you can use them, too.

You'll find dozens of simple but very effective strategies you can begin applying immediately to your situation. Strategies such as...

First, the tenant burned down their building.
Then, she sued them for $5 million.

(But she never got a cent, because the building owners followed the advice in this letter.)

Poor Joe and Jane S. It wasn't their fault but it didn't matter.

One cold winter night in New York City, their tenant broke up the furniture, piled it on the living-room carpet, and doused it with gasoline. Two persons died in the ensuing blaze.

The building? It burned to the ground.

In court, the tenant argued it was Joe and Jane's fault-for not keeping the place warm in winter.

The building, a rotten tenement in a bad neighborhood of New York City, represented Joe and Jane's only wealth. They didn't set out to be slum landlords, but they were unable to resist the real estate agent's no-money-down pitch. Only later did they realize they'd been set up by the bank that owned the building in foreclosure.

They'd become the bank's patsy-its rent collector. Only, rent collecting was such a dangerous occupation, Joe and Jane had to bring an off-duty cop along with them.

And now here they were, broke, bereft and fighting a $5 million lawsuit, while trying to do something for those two innocent families who'd lost members in the fire.

But at least that awful lawsuit never cost Joe and Jane a penny. They'd wisely taken precautions I recommended to them before the fire occurred. When the lawsuit came to trial, there were no assets in sight.

She said they broke
their promise to make her a
waitress and sued them for
$1 million...even though their
restaurant was a cafeteria.

(But she settled for $5,000 because of the advice in this letter.)

An African-American woman accused the restaurant owners of racial discrimination, saying they’d promised her a waitress job then forced her to work in the kitchen.

But every employee in the restaurant was African-American. And the restaurant was a cafeteria—no waiters, no waitresses.

The owners, Dr. and Mrs. Harold Y., were socially prominent and well respected. They didn’t need the negative publicity of the lawsuit. And even though they could have afforded the $1 million, it would have hurt. Badly.

Luckily, though, they’d already come to me before the ugly stuff hit the fan.

I’d protected them in advance, using the same device I used to protect Joe and Jane S. The payoff for Dr. and Mrs. Y. came when the lawsuit went to trial. “Where are the assets?” the judge asked. “There aren’t any.” Dr. and Mrs. Y. replied. And it was true. No assets in sight. The case was settled for $5,000.
  • Four steps that let you escape income taxes permanently when you move overseas


  • "Up stream profits"-save thousands by transferring profits from one corporation you own to another (that's based in a no-tax state)


  • Use gift-splitting to double your gift tax deductions


  • Slash estate taxes by using an "S" corporation, a trust, and two special tax-cutting techniques. (With estate tax top rates at 55%, this technique can literally save you a fortune)


  • Take 10 measures when preparing your tax returns to discourage the IRS from targeting you


  • Make your travel and car expenses tax deductible by forming a corporation for any hobby you have


  • Write off $18,500 in equipment depreciation using a little-known code-instead of waiting the normal five years or more


  • Save an instant $250,000 (or more) in estate taxes by restructuring your assets and taking advantage of a loophole that most lawyers never tell you about


  • Avoid most taxes on your small business by keeping "taxable" income below the 15% bracket


  • Use Valuation Discounts in Limited Partnerships to reduce estate taxes by 50% or more


  • Place your assets outside the jurisdiction of U.S. courts-so that suing you would be a total waste of anyone's time and money


  • See how a QSST Trust can own shares of an "S" corporation-without jeopardizing its tax benefits


  • Save $250,000 in estate taxes by correctly using the unlimited marital deduction
You can rest assured that these powerful wealth protection and tax reduction strategies have proved effective time and time again in the real world. How many times have you read in the newspaper about companies and individuals with enormous incomes that pay very little tax? This program will show you how they do it, and teach you to do the same.

At one time, only the elite could afford access to the top tax and asset protection strategies. But now you can too, and for a fraction of the cost.

The Complete Art of Wealth Defense would be a bargain at $1,000.

Most people would expect a program that can totally safeguard your life savings-and can easily save you hundreds of thousands of dollars, if not millions-would cost anywhere from $1,000 on up. Especially one as comprehensive, well-researched, and completely up-to-date as The Oxford Club's Complete Art of Wealth Defense.

The strategies presented in this program are absolutely the most sophisticated and powerful asset protection tools available. Each unit has been painstakingly scrutinized by our team of highly qualified legal experts for accuracy and effectiveness.

And with each strategy, you also get names of contacts, institutions, and other resources that can help you implement your asset protection plan with the least amount of effort and expense.

You simply cannot find a better financial resource anywhere. But before you make up your mind, I want to tell you about one more component to the program...

You're entitled to the following special offer...

Meet The Oxford Club's Highly Qualified Wealth Defense Advisors


David Melnik, Q.C., is Director of The Oxford Club's Wealth Protection Program. He's a Canadian lawyer with over 37 years experience advising businesses and individuals on global economic, legal, and financial matters. He has been a personal advisor to the Treasurer and Minister of Trade and Commerce in Ontario, Canada, head of his own law firm for 15 years in Toronto, and the former President and CEO of Vanguard Trust of Canada, Ltd.

Jeffrey Radowich has over 24 years of experience in all aspects of estate planning and related corporate and fiduciary income tax matters. He specializes in planning for closely held businesses, and has been listed in The Best Lawyers In America in the last three editions.

Gideon Rothschild, J.D., C.P.A., C.F.P. is one of the most sought-after wealth protection specialists in the world. His articles have appeared in The Wall Street Journal, Money, and The New York Law Journal. He is a member of the Offshore Institute, The American Bar Association, and the Academy of Elder Law Attorneys.

Vernon Jacobs, C.P.A., C.L.U., has been a tax and financial consultant for over 15 years. He currently edits The Jacobs Report, a newsletter on tax consequences of global asset protection strategies. For almost a decade he edited of Tax Angles, and was consulting editor for the Journal of Accounting and EDP, and a contributor to The Offshore Money Manual. He has extensive experience in tax matters with both large and small business, and served as an auditor for one of the "Big Six" accounting firms.

Joel Nagel, Esq., began his own practice in 1992 after working for the United States Government, The European Commission and two of the Mid-Atlantic's largest firms. Mr. Nagel's practice area includes asset protection and estate planning utilizing offshore techniques in many jurisdictions, such as Belize. The firm also handles foreign real estate, trade and investment matters, immigration law, e-commerce law and international intellectual property law.

David A. Tanzer, J.D., has practiced law for more than 20 years. David brings an unparalleled level of experience to The Oxford Club in terms of asset protection, wealth conservation and privacy related issues. In his Colorado-based private practice, he faces many of the same asset protection issues that we face every day. Today, David is a member of both the Illinois and Colorado Bar Associations. He has also served on the Judiciary Section Executive Counsel in Colorado. And, by appointment, he served for four years as Chairman of the Cook County, IL Arbitration Panel.
As I said, The Oxford Club's Complete Art of Wealth Defense would be a bargain at $1,000. But we tried very hard to keep this outstanding wealth preservation program affordable.

As a result, you will be able to purchase this program in the coming months for the very reasonable price of $400.

But the news gets even better. For the next 30 days, you can get The Oxford Club's Complete Art of Wealth Defense for the low "hot off the press" price of just $295-a savings of over 25%.

This is extraordinary value by anyone's standards. But just to make sure you're completely satisfied, we're going to make sure you can't lose. You will have absolutely no risk!

You see, we're going to let you examine The Oxford Club's Complete Art of Wealth Defense, risk-free-for up to 60 days.

If you aren't 100% certain by then that you have the tools to protect your assets from wealth predators and save many thousands of dollars, just send back the program in good condition within 60 days of receipt. We'll refund 100% of your investment-no questions asked (less shipping).

And let me offer you one thing more...order within the next 10 days, and you'll also get a FREE COPY of The Oxford Club's new Special Report, Stiff-Arm the IRS: How to Legally Tax-Manage Your Investments. This report will show you how to put your real, after-tax returns ahead of all the folks with their hands out. You will learn how to eliminate unnecessary taxes and expenses, making a difference of hundreds of thousands of dollars over time...even if your portfolio is comparatively modest.

So, let me just recap, along with The Oxford Club's Complete Art of Wealth Defense, you'll receive our special report, Stiff-Arm the IRS: How to Legally Tax-Manage Your Investments.

And, remember, this is all risk free. Examine everything in the comfort of your own home for a full 60 days. If you're not 100% satisfied that the Complete Art of Wealth Defense is everything we've said, then return it for a full refund (less shipping). No questions asked.

Don't leave your wealth a target for the government, thieves, or frivolous lawsuits-not for one day more! Order The Oxford Club's Complete Art of Wealth Defense-today. Just click here.

  Sincerely,

David Melnik
  David Melnik, QC
  Wealth Protection Director
  The Oxford Club

P.S. One more thing. All readers who take advantage of this special Complete Art of Wealth Defense offer will be placed on a priority first call list for future consultations and Wealth Protection "bootcamps" held throughout the year.


Order Now






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