The FlexTrust LLC™
Complete Privacy, Asset Protection, and Probate Avoidance in One Structure
A Division of 360NetWorth, Inc. | Founded 2003 | 40+ Years Financial & Legal Expertise
🏆 BBB A+ Rating
⭐ 180+ Series LLCs Formed
🛡️ 385+ Properties Protected
⚠️
DANGER: Your Assets Are Public Record
Anyone can see what you own, where you live, and your net worth in 60 seconds online. One lawsuit can wipe out your entire real estate portfolio. Don't let decades of work disappear because you skipped proper asset protection.
While You're Waiting for the Police...
They're Already Looking You Up
You're sitting at a red light. Someone rear-ends you—clearly their fault.
You exchange information. While waiting for police, you notice the other driver on their phone.
They're not calling their insurance company.
They're searching your name.
Within 60 seconds, they can find:
- Where you live (your home address)
- What properties you own (county property records)
- What businesses you own (Secretary of State filings)
- Approximate value of your assets
They haven't even talked to an attorney yet. But they already know you own 6 rental properties and a nice house in a good neighborhood.
Suddenly this "minor fender bender" becomes a $100,000 injury claim.
Why? Because they know you have assets to pursue.
Everything You Own Is Public Record
Your Financial Life Is an Open Book
What anyone can discover about you in 5 minutes online:
Property Records (County Appraisal District)
- Every property you own
- Purchase price and current value
- Property taxes you pay
- Your home address
- Mortgage information
Business Records (Texas Secretary of State)
- Every LLC or corporation you've formed
- Your name as owner/manager
- Business address (often your home)
- When entities were formed
Other Public Records
- Court records and lawsuits
- Professional licenses
- Property sales history
- Judgments and liens
All of this is free, online, and searchable by anyone.
How Attorneys Decide Who to Sue
You Don't Control Whether You're Sued - But You Can Control What They Find
When someone gets injured, their attorney does immediate research:
Step 1: Public Records Search
- Does this person own real estate?
- Do they own businesses?
- What's the approximate asset value?
- Do they have insurance?
Step 2: Decision Whether to Pursue
- Minimal assets visible → Settle for insurance policy limits only
- Significant assets visible → File lawsuit for maximum damages
Scenario A: Everything Public
- County records show 8 rental properties
- Total appraised value: $2.4M
- 3 LLCs in your name
- $600K house
Attorney's decision: "File lawsuit for $500,000+"
Scenario B: Anonymous Structure
- No properties in your name
- No businesses in your name
- Appear to rent an apartment
- No obvious assets
Attorney's decision: "Settle for insurance limits, not worth pursuing"
Same assets, completely different outcome based on what's publicly visible.
The Typical Structure
Owning Property in Your Own Name Creates Three Major Problems
❌ PROBLEM #1: UNLIMITED LIABILITY
Owning property in your personal name means unlimited exposure. One lawsuit can reach ALL your assets - not just the property where the problem occurred.
❌ PROBLEM #2: PUBLIC RECORD
Your affairs are completely public. Anyone can see what you own, where you live, and your approximate net worth. You're advertising your assets to potential plaintiffs.
❌ PROBLEM #3: PROBATE
When you die, your assets transfer through probate - a public, expensive, time-consuming court process. Your heirs wait 6-12 months while your estate is frozen. Court fees and attorney costs drain your estate.
The Result: Maximum vulnerability, zero privacy, costly estate transfer.
The Ideal Structure
What If You Could Solve All Three Problems Simultaneously?
✓ Asset Protection
Minimize the risk of lawsuits and protect your net worth if you are sued. Separate legal entities shield your personal assets from business liabilities.
✓ Complete Privacy
Your affairs are private. No one can discover what you own through public searches. Your name doesn't appear on property records or business filings.
✓ Probate Avoidance
Assets transfer immediately to your heirs without court involvement. No waiting, no public record, no probate fees. Seamless estate transition.
✓ Peace of Mind
Know that your assets and family are protected - now and in the future. Sleep well knowing you're prepared for whatever comes.
The Result: Triple protection in one structure - privacy, protection, and estate planning combined.
Introducing The FlexTrust LLC™
The Only Structure That Delivers Privacy, Protection, and Estate Planning in One Vehicle
What is the FlexTrust LLC?
It's a trust-formed Series LLC that combines:
- The privacy of an anonymous trust
- The asset protection of a properly structured LLC
- The estate planning benefits of a revocable living trust
This trust is not an ordinary trust. This LLC is not an ordinary LLC.
Together, they create a structure where:
- Your name appears nowhere in public records
- Each property is protected in its own separate series
- Everything transfers seamlessly when you die—no probate
- You maintain complete control during your lifetime
Most importantly: You become effectively a "financial ghost" - protected, private, and prepared.
Step 1: Form the FlexTrust
Understanding Trusts - The Privacy Foundation
People use trusts for various reasons:
- Avoid probate
- Create a private estate
- Streamline asset administration
- Maintain control while planning for incapacity
Key Point: Trusts are NOT filed anywhere.
Unlike LLCs, trusts are not registered with the state. No public record exists. The creator's identity is known only by the trustee and advisors.
Two Types of Trusts:
- Revocable Trust (can be modified or dissolved)
- Irrevocable Trust (cannot be modified)
For the FlexTrust LLC, we use a revocable trust because:
- Real asset protection comes from the LLC inside the trust
- The trust provides privacy and estate planning benefits
- You maintain complete control during your lifetime
How Trusts Work (Similar to Corporations):
- Founder = Person creating the trust (you)
- Trustee = Person controlling the trust (you)
- Beneficiary = Person receiving benefits (you, then your heirs)
In a revocable living trust, you can be all three roles. You have complete control and total anonymity—as long as you name the trust something that doesn't identify you.
Critical Privacy Rule:
Never use your name in the trust name. Use generic or descriptive names only.
Good: "2025 Family Trust" (anonymous)
Bad: "The John Smith Trust" (identifies you)
Step 2: Form Series LLC
Understanding Series LLCs - The Protection Foundation
What Is a Series LLC?
Prior to 2009, an LLC could only own one property safely. Why? Because all assets of an LLC are available to its creditors.
The problem: If you own 5 properties in one LLC, a lawsuit at Property #1 puts all 5 properties at risk.
The old solution: Form 5 separate LLCs (expensive, complicated)
The Texas solution: Series LLCs
How Series LLCs Work:
The main LLC (called the "Master" LLC) can create multiple "Series" - mini-LLCs within the structure.
By law, each series is legally distinct:
- Own profit and loss statement
- Own balance sheet
- Own bank account
- Own assets
- Most importantly: No liability for other series
Example Structure:
Master LLC: Smith Holdings LLC
├── Series A: 123 Main Street (Property 1)
├── Series B: 456 Oak Avenue (Property 2)
├── Series C: 789 Elm Road (Property 3)
└── Series D: 321 Pine Street (Property 4)
The Protection: Lawsuit at Property in Series A cannot reach properties in Series B, C, or D. They are legally separate entities.
The Savings: One state filing ($300), one tax return, one registered agent vs. four separate LLCs.
The FlexTrust LLC Structure
Combining Trust Privacy with LLC Protection
The Complete Structure:
YOU (founder, trustee, beneficiary)
↓ (controls, not publicly listed)
ANONYMOUS REVOCABLE TRUST
(e.g., "2025 Family Trust")
↓ (owns and manages)
SERIES LLC
(e.g., "Austin Holdings LLC")
├── Series A → Property 1
├── Series B → Property 2
├── Series C → Property 3
└── Series D → Property 4
What Public Records Show:
Property Records:
Property owned by "Austin Holdings LLC, Series A"
No individual name appears
Secretary of State Records:
LLC formed by "2025 Family Trust"
Registered agent: [Professional service]
No individual name appears
The Privacy Layer:
To connect you to your properties, someone would need to:
- File a lawsuit against the LLC
- Conduct formal discovery
- Subpoena LLC records
- Eventually identify you as beneficial owner
But here's the key: They have to file the lawsuit BEFORE knowing whether you have assets worth pursuing.
Most attorneys won't take that risk.
The Four Major Benefits
Why the FlexTrust LLC Is Superior to Standard Structures
BENEFIT #1: TOTAL ANONYMITY
Your name appears nowhere:
- Not on property deeds
- Not in Secretary of State filings
- Not searchable in public records
- Not discoverable without lawsuit and formal discovery
You become a "financial ghost" - assets exist but aren't connected to you publicly.
BENEFIT #2: ASSET PROTECTION
Each property is isolated in its own series:
- Lawsuit at Property A doesn't affect Properties B, C, D
- LLC provides liability shield (if properly maintained)
- Creditor collection is extremely difficult
- Charging order protection applies
BENEFIT #3: PROBATE AVOIDANCE
Trust ownership means no probate:
- Properties transfer immediately when you die
- No 6-12 month court process
- No public probate record
- No probate attorney fees
- Successor trustee takes over instantly
BENEFIT #4: SEAMLESS ESTATE TRANSITION
Everything continues operating:
- Successor trustee manages LLC
- Properties stay in same series
- No disruption to tenants or operations
- Heirs receive properties according to trust terms
- Can specify which heir gets which series
Plus: Tax neutral structure. No change to your tax situation. Income and losses flow through to your personal return exactly as before.
Who Needs The FlexTrust LLC?
Is Anonymous Formation Right for You?
Ideal for:
- Real Estate Investors - Multiple rental properties, concerned about lawsuit targeting, want privacy and protection, plan to grow portfolio over time
- High-Net-Worth Individuals - Significant assets to protect, value privacy, want to avoid predatory lawsuits, concerned about public exposure
- Business Owners - Own business real estate, multiple business entities, want to separate business from personal assets, concerned about competitor intelligence
- Anyone Who Values Privacy - Prevent stalking or harassment, control information exposure, avoid targeted marketing and solicitation, keep business dealings private
The Test:
If you answer YES to these questions, you should consider FlexTrust LLC:
- Do you own 3+ properties (or plan to)?
- Are you concerned about lawsuit exposure?
- Do you want your assets to be private?
- Do you want to avoid probate?
- Are you willing to maintain proper structure?
Tax Neutral Structure
No Change to Your Tax Situation
Key Point: This entire structure is "tax neutral"
All income and losses flow through to your personal tax return. No entity-level taxation. No additional tax forms for the trust. One tax return for the entire Series LLC structure.
Tax Flow:
Properties generate income/losses
↓
Flow to Series within LLC
↓
Flow to Master LLC
↓
Flow to Trust (tax-transparent)
↓
Appear on YOUR personal tax return (Schedule E)
Comparison:
Before
Properties in your name
↓
Schedule E on your 1040
After
Properties in FlexTrust LLC
↓
Schedule E on your 1040
Same tax treatment, but now you have privacy and protection.
Cost Comparison
Series LLC Saves $10,000-30,000+ Per Year
Scenario: 6 rental properties needing protection
| Item |
6 Separate LLCs |
One FlexTrust LLC |
| Formation |
$7,800-10,800 |
$5,300-6,800 |
| Annual Tax Returns |
$3,000/year (6 × $500) |
$800/year (1 return) |
| Registered Agent |
$600/year (6 × $100) |
$100/year (1 agent) |
| Annual Maintenance |
$1,200/year |
$500/year |
| Total Annual |
$4,800/year |
$1,400/year |
| 10-Year Cost |
$58,800 |
$20,800 |
$38,000
Savings over 10 years with FlexTrust LLC
Plus you get:
- Privacy (6 separate LLCs don't provide this)
- Probate avoidance (6 separate LLCs don't avoid probate)
- Estate planning integration (6 separate LLCs complicate estate)
- Simpler management (one structure vs. six)
Privacy in Action
What Changes When You Implement FlexTrust LLC
BEFORE (Typical Structure):
Public Records Search of Your Name Shows:
- Your home address
- 6 rental properties you own
- Total appraised value: $2.4M
- 3 LLCs with your name as manager
- Estimated net worth: $1M+
Potential plaintiff's conclusion:
"This person has significant assets. File lawsuit for $500,000."
AFTER (FlexTrust LLC Structure):
Public Records Search of Your Name Shows:
- Nothing (or minimal information)
- No properties listed
- No businesses listed
- Appears to rent an apartment
- No obvious assets
Potential plaintiff's conclusion:
"This person has minimal assets. Settle for insurance limits. Not worth pursuing."
The Deterrence Effect:
Most plaintiff attorneys work on contingency (only get paid if they win). They evaluate cases based on:
- Likelihood of recovery
- Asset research showing clear targets
- Cost vs. benefit analysis
Unknown assets = unknown recovery = risky case
They prefer "sure things" where public records clearly show valuable assets to pursue.
Make yourself an uncertain target, and you avoid many lawsuits entirely.
Real-World Scenarios
How the FlexTrust LLC Protects You
Scenario 1: The Slip and Fall
Situation: Tenant slips on ice at your rental property, breaks hip, sues for $500,000.
Without FlexTrust LLC:
- Property in your name
- All your assets at risk
- Plaintiff knows your net worth
- Aggressive lawsuit
With FlexTrust LLC:
- Property owned by LLC Series B
- Only Series B assets at risk
- Other properties protected
- More likely to settle
Scenario 2: The Business Creditor
Situation: Business fails. Bank gets $200,000 judgment against you personally.
Without FlexTrust LLC:
- Bank finds 6 rental properties
- Forces sale to collect
- Loses properties
With FlexTrust LLC:
- Bank finds nothing in your name
- Can't easily identify assets
- Charging order protection limits collection
- More likely to settle for less
Scenario 3: The Opportunistic Plaintiff
Situation: Minor car accident, not your fault, but other driver wants to sue.
Without FlexTrust LLC:
- They look you up
- See 8 properties worth $2.4M
- File lawsuit for $500,000
With FlexTrust LLC:
- They look you up, find nothing
- No obvious assets
- Attorney declines case
- Never files lawsuit
Common Questions Answered
Frequently Asked Questions
Q: Is this legal?
A: Absolutely. Anonymous LLC formation is completely legal. You're not hiding assets from the government (IRS still gets tax returns). You're not evading taxes. You're simply choosing not to make private business information publicly searchable. It's the same as having an unlisted phone number or P.O. Box.
Q: Doesn't this look suspicious?
A: No. Many legitimate businesses use anonymous structures: celebrities, executives, business owners protecting competitive information, real estate investors, anyone who values discretion. It's standard practice in sophisticated business planning.
Q: Won't this make it harder to do business?
A: No. The LLC functions normally: opens bank accounts, signs contracts, buys and sells property. The only difference is public searchability. Banks, title companies, and lenders work with trust-owned LLCs regularly.
Q: What if I'm sued anyway?
A: The LLC still provides asset protection (if properly maintained). The anonymity just makes you less likely to be targeted in the first place. If sued, discovery eventually reveals ownership - but they already filed the lawsuit without knowing your assets.
Q: Can I do this myself?
A: Technically possible, but easy to make mistakes that destroy privacy: using your address in filings, signing as organizer, listing yourself in optional fields. Professional formation ensures every step preserves privacy.
Warning: DIY Risks
Why Professional Formation Is Essential
The FlexTrust LLC requires precision at every step. One mistake can destroy your privacy, eliminate asset protection, or create tax problems.
10 Critical Steps (Minimum):
- Draft anonymous trust with proper naming
- Form Series LLC with trust as organizer
- Prepare operating agreement
- Create series via board resolutions
- Transfer property deeds correctly
- Update title insurance
- Update property insurance
- Open separate bank accounts for each series
- Establish proper accounting
- Implement ongoing compliance
Common DIY Mistakes:
- ❌ Trust name includes your name (no privacy)
- ❌ Your name on LLC filing as organizer (public record)
- ❌ Properties never properly deeded (LLC doesn't own them)
- ❌ No separate bank accounts (commingling destroys protection)
- ❌ Operating agreement missing or not signed (no protection)
- ❌ Annual compliance ignored (structure collapses)
The Problem:
You won't know you made a mistake until you need the protection.
When do you discover your LLC doesn't work?
- When you're being sued
- When a creditor is trying to seize assets
- When you die and your heirs face probate
By then, it's too late to fix it.
Remember: When will you find out your discount parachute doesn't work? When you pull the ripcord.
A Word About Probate
Understanding Your Two Estates
Before considering any estate planning, understand:
You have TWO estates:
1. Non-Probate Estate
Assets that transfer automatically without court:
- Life insurance
- Retirement accounts (IRA, 401k)
- Joint bank accounts
- Transfer-on-death accounts
- Payable-on-death designations
These are NOT affected by wills or trusts.
2. Probate Estate
Assets that require court process to transfer:
- Real estate (not jointly owned)
- Business ownership
- Anything with a title in your name only
- Bank accounts in your name only
These ARE affected by wills and trusts.
The Probate Problem:
Without proper planning:
- 6-12 month court process
- Public record of your assets
- Court fees and attorney costs (3-7% of estate value)
- Assets frozen during probate
- Heirs can't access property
- Family disputes become public
The FlexTrust LLC Solution:
Real estate and business interests are in your probate estate UNLESS owned by a trust.
With FlexTrust LLC:
- Trust owns the LLC
- LLC owns the properties
- Nothing in your probate estate (for those assets)
- Successor trustee takes over immediately
- No court, no delays, no public record
Is The FlexTrust LLC Right for You?
Self-Assessment Checklist
Answer these questions:
- Do you own (or plan to own) 3+ rental properties?
- Are you concerned about being targeted in lawsuits?
- Do you want your assets to be private from public searches?
- Do you want to avoid probate when you die?
- Are you willing to maintain proper corporate formalities?
- Do you value peace of mind knowing your family is protected?
- Are you building wealth that you want to preserve?
- Do you want your heirs to inherit smoothly without court involvement?
- Are you concerned about business or personal creditors?
- Do you want a structure that's "set it and maintain it"?
If you answered YES to 5 or more questions, the FlexTrust LLC is likely right for you.
Next Steps:
- Schedule free consultation
- Review your current asset exposure
- Determine optimal structure for your situation
- Get implementation plan and pricing
- Decide if professional formation makes sense
No obligation, no pressure - just honest analysis.
Schedule Your Free Consultation
What happens in your free consultation:
- Asset Review (15 min): How many properties do you own? What's your current structure?
- Exposure Analysis (15 min): What information is currently public about you?
- Solution Design (15 min): FlexTrust LLC structure for your situation
- Implementation Plan (15 min): Timeline, process, investment required
The consultation is free.
The protection is priceless.
Why Work With Us
40+ Years of Protecting Texas Investors
✓ 180+ Series LLCs Formed
We've implemented this exact structure hundreds of times. We know every step, every potential problem, every solution.
✓ Combined Legal and Financial Expertise
Unlike attorneys who only do legal work or financial advisors who can't draft documents, we do both. Complete integration.
✓ Texas Specialists
We know Texas law, Texas courts, Texas property records, Texas estate planning. Our structures are designed specifically for Texas investors.
✓ Proven Track Record
40+ years protecting Texas investors. 180+ Series LLCs formed. 385+ properties protected. A+ BBB rating with hundreds of client testimonials.
What Makes Us Different:
Most attorneys form LLCs but don't understand estate planning integration.
Most estate planning attorneys don't understand asset protection or Series LLCs.
Most financial advisors can't draft legal documents.
We do all three: Asset protection, estate planning, and financial strategy - integrated into one comprehensive solution.
Investment and Value
What Does the FlexTrust LLC Cost?
Professional Formation Investment:
FlexTrust LLC Formation (3-6 properties):
- Anonymous trust drafting: Included
- Series LLC formation: Included
- Operating agreement: Included
- Property deed preparation: Included
- Title and insurance coordination: Included
- Bank account setup assistance: Included
- Implementation training: Included
Total investment: $4,500-6,500
Additional properties: $500-750 per property to add
Annual Maintenance:
- Tax return: $800-1,200
- Registered agent: $100
- Annual review: $500
- Total annual: $1,400-1,800
The Real Question:
It's not "Can I afford to do this?"
It's "Can I afford NOT to do this?"
Become a Financial Ghost
Privacy, Protection, and Peace of Mind
In Today's Digital World:
Your financial information is completely public unless you take specific steps to protect it.
Anyone with internet access can:
- Find what you own
- See where you live
- Calculate your net worth
- Target you for lawsuits
You Can Change This:
The FlexTrust LLC transforms you from an open book to a financial ghost:
- Your name disappears from public records
- Your assets become private
- Your family is protected
- Your estate avoids probate
PRIVACY
Become invisible to public searches
PROTECTION
Shield assets from lawsuits and creditors
PLANNING
Seamless estate transition when you die
PEACE OF MIND
Know your family is protected
The Time to Act Is Now:
You can't form an LLC after you're sued.
You can't create a trust after you die.
You can't establish privacy after you're public.
Don't wait until it's too late.
Don't Wait Until It's Too Late
Protect yourself before you need it
Questions to Ask Yourself:
• If I got sued tomorrow, would my assets be protected?
• If I died tomorrow, would my heirs avoid probate?
• If someone looked me up today, what would they find?
If you don't like the answers, it's time to take action.
Schedule Your Free Consultation Today:
📞 512-464-1110
📧 david@pcfo.net
📅 www.calendly.com/pcfo
The consultation is free.
The protection is priceless.
The peace of mind is invaluable.
The FlexTrust LLC™
Privacy • Protection • Planning
The Personal CFO, Inc.
Cedar Park, Texas
512-464-1110
www.pcfo.net
40+ Years Protecting Texas Investors
180+ Series LLCs Formed
385+ Properties Protected
A+ BBB Rating
"Helping investors become financial ghosts - protected, private, and prepared."