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The best way to safeguard personal assets is what is known as an irrevocable trust. An irrevocable trust is one that cannot be voided, and one where typically the trustee is different than the beneficiary. It provides what some may say is the maximum protection from a civil judgment against personal assets. For an example, see HERE.
Irrevocable trusts are not 100% protection however - nothing. They may be pierced if the plaintiff can prove that the trust is being used as a way to hide assets and/or as a shell; it is simply much tougher to do when the trust is irrevocable. See HERE. However, with specific attention to the spendthrift clause and other nuances, the irrevocable trust can be a pretty formidable protection against any liability.
Any good estate attorney can draft the trust for you.
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