{"id":342584,"date":"2025-10-22T23:07:01","date_gmt":"2025-10-23T05:07:01","guid":{"rendered":"https:\/\/www.whitecoatinvestor.com\/asset-protection-2\/"},"modified":"2025-12-12T13:40:17","modified_gmt":"2025-12-12T20:40:17","slug":"asset-protection","status":"publish","type":"page","link":"https:\/\/www.whitecoatinvestor.com\/asset-protection\/","title":{"rendered":"Asset Protection Resources for Doctors"},"content":{"rendered":"<section class=\"hero asset-protection\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto hero-content text-center\">\n    <i class=\"ikon ikon-orange ikon-xxl ikon-protect-money mb-4\"><\/i><\/p>\n<h1>Asset Protection<\/h1>\n<div class=\"headline-underscore mx-auto\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<p class=\"mb-3 mt-0\">\n     Asset protection is the murky underbelly of personal finance. Most personal finance blogs never talk about it, and most people really don't spend much time worrying about it at all. Doctors, however, worry about using the best <a href=\"\/top-16-asset-protection-moves-for-doctors\/\">asset protection strategies<\/a> a lot. In fact, a ridiculous percentage of Continuing Medical Education credit is extended each year for what really boils down to risk management techniques rather than actual patient care or practice improvement. How many times have you heard in a lecture about how and why you should document a visit in a particular way? Exactly. Is that really helping the patient in any way? No, it's just CYA medicine.\n    <\/p>\n<div class=\"text-center mt-4 mb-5\">\n     <iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/fpmJ8Oo47-c\" class=\"youtube-container\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n    <\/div>\n<h2 class=\"text-darkblue\">What Is Asset Protection?<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">\n     There is no concrete definition of asset protection, but you will see its practitioners, primarily attorneys, use the broadest possible definition\u2014including <a href=\"\/15-worst-tax-reduction-techniques\/\">tax saving<\/a>, <a href=\"\/introduction-to-estate-planning\/\">estate planning<\/a>, and even <a href=\"\/150-portfolios-better-than-yours\/\">investment strategies<\/a>. You will also see a great deal of fear-mongering. Just like with tax preparation, financial planning, investment management, and insurance, their products (primarily <a href=\"\/revocable-living-trusts\/\">trusts<\/a>, <a href=\"\/llc-filing-taxes-as-an-s-corp\/\">limited liability companies<\/a>, and partnerships) must be sold. The key to selling these products well is to first create a sense of need. Stoking fear of losing everything to a malpractice suit will certainly do that. With all the marketing going on, it is VERY difficult to separate fact from marketing here.\n    <\/p>\n<h2 class=\"text-darkblue\">Asset Protection Basics for Doctors<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">\n     Let\u2019s go over what physicians need to know about asset protection. Once you have a grasp of the basics, you can decide if you wish to spend tens of thousands of dollars on the services of an asset protection attorney doing a deep dive.\n    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">You Probably Won't Lose Money to a Patient<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">\n     Doctors have three big fears when it comes to <a href=\"\/medical-malpractice\/\" target=\"_blank\">malpractice lawsuits<\/a>.<\/p>\n<ol>\n<li>They'll lose time, earnings, and sleep. And if the attorney tells them not to talk to anyone about the case, that can introduce isolation, burnout, depression, and even suicide.<\/li>\n<li>They worry that people will think they're a bad doctor, even though the main risk factor for a malpractice suit is simply exposure\u2014the more patients you see, the more likely you are to be sued.<\/li>\n<li>They fear that they will have a multi-million dollar judgment and lose everything for which they've worked so hard.<\/li>\n<\/ol>\n<p>     The truth is that above policy limit judgments that are not reduced on appeal are exceedingly rare. Dr. Jim Dahle has calculated his own risk, now practicing part-time in a relatively doctor-friendly state, at less than 1\/20,000 per year. Yours may be higher or even lower than that, but it's far lower than the risk of <a href=\"\/what-you-need-to-know-about-disability-insurance\/\">being disabled<\/a>, dying early, or being in a car wreck. Combined.<\/p>\n<p>     That doesn't mean you shouldn't do what you can to reduce the risk. It's not zero. But it's also not something you should lose much sleep over. While we won't say asset protection attorneys &#8220;prey on the anxious,&#8221; we all know that anxiety may be one of the most expensive medical conditions there is!\n    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"darkblue-w\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<div class=\"row\">\n<div class=\"col-lg-7\">\n<div class=\"eyebrow\">The White Coat Investor\u2019s<\/div>\n<h2 class=\"text-white\">Guide to Asset Protection<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3 text-white\">\n       As you accumulate wealth, you need a way to protect your assets. Check out <i>The White Coat Investor's Guide to Asset Protection<\/i>, which gives you techniques you can use to safeguard your money while also providing the most comprehensive list of state-specific asset protection laws ever published. Pick up the Amazon best-selling book today and protect your wealth! <a href=\"\/guide-to-asset-protection-book\/\" target=\"_blank\" class=\"orange\">Learn More<\/a>\n      <\/p>\n<div class=\"d-none d-lg-block\">\n       <b>Book Available At:<\/b><br \/>\n       <a href=\"https:\/\/amzn.to\/3kctryg\" class=\"btn btn-primary me-3 mt-3\" target=\"_blank\">Amazon<\/a><a href=\"https:\/\/shop.whitecoatinvestor.com\/products\/book-guide-to-asset-protection\" class=\"btn btn-primary-outline mt-3\" target=\"_blank\">WCI Store<\/a>\n      <\/div>\n<\/p><\/div>\n<div class=\"col-10 col-lg-5 text-white mx-auto\">\n      <img decoding=\"async\" src=\"https:\/\/static.whitecoatinvestor.com\/images\/book-asset-protection-920x1000.png\" clas=\"img-fluid\">\n     <\/div>\n<div class=\"d-lg-none mt-3\">\n      <b>Book Available At:<\/b><br \/>\n      <a href=\"https:\/\/amzn.to\/3kctryg\" class=\"btn btn-primary me-3 mt-3\" target=\"_blank\">Amazon<\/a><a href=\"https:\/\/shop.whitecoatinvestor.com\/products\/book-guide-to-asset-protection\" class=\"btn btn-primary-outline mt-3\" target=\"_blank\">WCI Store<\/a>\n     <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">No Asset Protection Plan Is 100% Protective<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n     When it comes to protection, we all like 100%. We like to know we're \u201cprotected\u201d from anything bad happening to us. However, when you talk to its practitioners, none of them will ever promise that any given technique is 100% effective. It's all about risk reduction, making you less attractive to a potential plaintiff, and trying to stay out of court where a jury or judge may produce an unexpected result. To make matters worse, nobody really knows what will work until it actually goes to court.\n    <\/p>\n<h2 class=\"text-darkblue\">There Is No Step-by-Step Instruction to Asset Protection<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n     It is also frustrating to doctors looking for an easy solution that there is no step-by-step guide to follow. You can't just \u201cDo this, this, and then this and you'll be fine.\u201d It comes down to your own unique risks and exposures, your state of residence, your wealth level, and your own risk tolerance. This makes it very hard to give specific advice.\n    <\/p>\n<h2 class=\"text-darkblue\">Asset Protection Law Varies Highly by State<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n     It is really important to understand your <a href=\"https:\/\/assetprotectionsociety.org\/state-asset-protection-laws\/\" target=\"_blank\">state laws<\/a> with regard to asset protection. These laws are HIGHLY variable, and while you can't necessarily run and hide in another state, protections available in one state may not be available in another.\n    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"darkblue\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-12 text-center text-white\">\n<h2 class=\"text-white\">Take Control of Your Financial Life<\/h2>\n<div class=\"headline-underscore centered\"><\/div>\n<p class=\"my-4\">Enroll in WCI Financial Boot Camp, a FREE educational email series, and learn to convert your high income to wealth<\/p>\n<div class=\"ck-form-container\">\n     \t\t<div class=\"row wci-ck-signup justify-content-center\">\n\t\t\t<div class=\"col-lg-7\">\n\t\t\t\t<form id=\"wci-ck-form-5622578\" class=\"d-lg-flex\" data-sv-form=\"5622578\">\n\t\t\t\t\t<input name=\"email\" type=\"email\" id=\"wci-ck-form-email-5622578\" class=\"form-control d-block d-lg-inline-block flex-grow-1 mb-3 mb-lg-0 mx-auto mx-lg-2\" placeholder=\"Email Address\" \/>\n\t\t\t\t\t<input type=\"submit\" class=\"btn btn-primary mx-2\" style=\"white-space:nowrap;\" id=\"wci-ck-form-submit-5622578\" value=\"Start Here\" \/>\n\t\t\t\t<\/form>\n\t\t\t<\/div>\n\t\t<\/div>\n\n        <div class=\"wci-ck-signup thank-you\">\n            <h5 class=\"eyebrow\">You're all set!<\/h5>\n            <p>You can unsubscribe anytime using the link at the bottom of any email.<\/p>\n        <\/div>\n\n\t\t<script>\n            jQuery('#wci-ck-form-5622578').on('submit', (e) => {\n\t\t\t\te.preventDefault();\n                const email = jQuery('#wci-ck-form-email-5622578').val();\n                if(email && \/(.+)@(.+){2,}\\.(.+){2,}\/.test(email)){\n                    fetch('https:\/\/api.convertkit.com\/v3\/forms\/5622578\/subscribe', {\n                        method: \"POST\",\n                        headers: { \"Content-Type\": \"application\/json; charset=utf-8\" },\n                        body: JSON.stringify({ api_key: '0AMKyMtso2Lf2MgcoenhEg', email })\n                    })\n                    .then(response => response.json())\n                    .then(data => {\n                        jQuery('.wci-ck-signup').hide();\n                        jQuery('.wci-ck-signup.thank-you').show();\n                    })\n                    .catch(error => {\n                        alert('We were unable to subscribe you. Please try again later.');\n                    });\n                } else {\n                    alert('Please provide a valid email.');\n                }\n            });\n        <\/script>\n\n\t\n    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">Benefits of Asset Protection<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n     There are three main benefits of asset protection.\n    <\/p>\n<ol>\n<li>The first is in the event that things really go downhill and there is a huge judgment against you. The asset protection planning limits what the creditor can collect from you.<\/li>\n<li>The second is prior to the judgment occurring. Good asset protection planning can make it less likely for you to have a large judgment against you in the first place.<\/li>\n<li>Finally, there is a psychological benefit. You get to feel protected. You get to feel like you did what you could to minimize this. Perhaps this decreases your anxiety a bit. <\/li>\n<\/ol><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">Asset Protection Strategies for Doctors<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">\n     An adequate <a href=\"\/top-16-asset-protection-moves-for-doctors\/\" target=\"_blank\" rel=\"noopener\">asset protection plan and strategies<\/a> for you may be very simple and inexpensive. Once you have an appropriate asset protection plan in place, you can spend less time worrying and more time taking care of those you care about most: your family and patients.\n     <\/p>\n<h4 class=\"text-blue mt-4\">Insurance Is Your First Line of Defense in Asset Protection<\/h4>\n<p>\n     Some might argue that asset protection, at least as much as it decreases the likelihood of you paying for damage you actually caused, is immoral. Well, one aspect of asset protection that makes it easier to pay for damage you caused is to <a href=\"\/insurance\/\" target=\"_blank\" rel=\"noopener\">have insurance<\/a>.\n    <\/p>\n<h4 class=\"text-blue mt-4\">Avoid Fraudulent Transfers<\/h4>\n<p>\nAsset protection works best if set up before any damage occurs, much less a lawsuit is filed. Otherwise, any asset protection maneuvers you do can be considered a \u201cfraudulent transfer.\u201d If you move money from a non-exempt asset to an exempt asset at that point, you should expect a judge to reverse it.\n    <\/p>\n<h4 class=\"text-blue mt-4\">Establish a Business to Protect Your Assets<\/h4>\n<p>\nMany asset protection techniques\u2014such as forming a business entity like a corporation, Limited Liability Company (LLC), <a href=\"\/asset-protection-family-limited-partnerships\/\" target=\"_blank\" rel=\"noopener\">Family Limited Partnership<\/a> (FLP), or trust\u2014are done for business purposes or estate planning purposes. It is less likely that the judge will \u201cpierce\u201d the structure if you have a good reason for forming it besides trying to hide your assets.\n    <\/p>\n<h4 class=\"text-blue mt-4\">Don't Mix Business and Pleasure<\/h4>\n<p>\nSpeaking of piercing corporations or LLCs, a frequent argument that is made by prosecuting attorneys is that there is no significant difference between you as a person and you as a business. This is an easy argument to make if you don't keep the finances of the two strictly separate. Do not spend business money on personal expenses, and do not spend personal money on the business. Do not use business assets for personal reasons.\n    <\/p>\n<h4 class=\"text-blue mt-4\">Titling Your Assets Matters<\/h4>\n<p>\nIf you are married, in many states you can title a real estate property and perhaps even bank and brokerage accounts as &#8220;<a href=\"\/tenants-by-the-entirety-friday-qa-series\/\" target=\"_blank\" rel=\"noopener\">Tenants by the Entirety<\/a>.&#8221; The idea here is that each spouse owns the entire property or account so a judgment against just one of them cannot take any of it. While it is more gray than it at first appears, I see little reason not to use tenants by the entirety titling if it is available to you.\n    <\/p>\n<h4 class=\"text-blue mt-4\">ERISA Plans Are Great; IRAs Not as Great<\/h4>\n<p>\nRetirement plans in general and in most states are completely exempt from creditors in a bankruptcy proceeding. ERISA plans such as <a href=\"\/401k\/\" target=\"_blank\" rel=\"noopener\">401(k)s<\/a>, <a href=\"\/403b\/\" target=\"_blank\" rel=\"noopener\">403(b)s<\/a>, and <a href=\"\/cash-balance-plans-an-extra-retirement-account\/\" target=\"_blank\" rel=\"noopener\">Cash Balance\/Defined Benefit Plans<\/a> are protected under federal exemptions.<\/p>\n<p>Non-ERISA plans like IRAs, <a href=\"\/why-i-love-the-roth-ira-back-to-basics\/\" target=\"_blank\" rel=\"noopener\">Roth IRAs<\/a>, <a href=\"\/solo-individual-401k\/\" target=\"_blank\" rel=\"noopener\">individual 401(k)s<\/a> (yes, we know that's unfair), and the fancy California non-qualified retirement plans are governed by state law.\n    <\/p>\n<h4 class=\"text-blue mt-4\">Giving Away Money Still Works as an Asset Protection Strategy<\/h4>\n<p>\nOne of the best asset protections you can have is to simply give assets away. If you don't own it, nobody can take it from you. Obviously, you have to avoid fraudulent transfers (and sometimes they can reach back a year or two before the injury). You should also be careful \u201ctitling everything in my spouses's name\u201d because the risk of divorce is dramatically higher than the risk of losing assets in an above policy limits judgment.\n    <\/p>\n<h4 class=\"text-blue mt-4\">Asset Protection\/Spendthrift Trusts Are Effective, But Cost a Lot<\/h4>\n<p>\nOne of the stronger asset protection moves is a spendthrift trust. These grantor trusts have you as both the grantor (person who funds the trust) and the beneficiary.\n    <\/p>\n<h4 class=\"text-blue mt-4\">LLCs May Offer Cheap Asset Protection<\/h4>\n<p class=\"mb-0\">\nLimited Liability Companies are designed to be cheaper and easier to manage than corporations while offering similar protections (i.e., the entity is separate from its owners). This provides both external (personal judgments like malpractice can't get your assets in the LLC) and internal (judgments from the LLC can't get your personal assets) protection. LLCs, like corporations, are at risk of a judgment \u201cpiercing the corporate veil\u201d so keep them strictly separate from your personal assets.\n    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"row\">\n<div class=\"col-lg-12\">\n<div class=\"orange-horizontal-divider my-5\"><\/div>\n<div class=\"eyebrow\">The WCI Podcast<\/div>\n<h2 class=\"text-darkblue\">Featured Episodes on Asset Protection<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<div class=\"row\">\n     \t\t\t\t\t<div class=\"col-lg-4 mb-4 mb-lg-0\">\n\t\t\t\t\t\t<a href=\"\/retirement-accounts-and-asset-protection-381\"><div class=\"featured-podcast-thumbnail\" style=\"background-image:url('https:\/\/i.ytimg.com\/vi\/Nq5fH3pVvEU\/sddefault.jpg');\" alt=\"Retirement Accounts and Asset Protection\"><\/div><\/a>\n\t\t\t\t\t\t<span class=\"text-blue\">August 22, 2024<\/span><br>\n\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/watch?v=Nq5fH3pVvEU\" class=\"btn btn-sm btn-darkBlue-outline me-2 \" target=\"_blank\" title=\"Watch on YouTube\"><i class=\"ikon ikon-xxs ikon-watch-solid me-1\"><\/i>Watch<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/32484342\" class=\"btn btn-sm btn-darkBlue-outline \" target=\"_blank\"><i class=\"ikon ikon-xxs ikon-listen-solid me-1\"><\/i>Listen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 mb-4 mb-lg-0\">\n\t\t\t\t\t\t<a href=\"\/asset-protection-with-jay-adkisson-podcast-199\"><div class=\"featured-podcast-thumbnail\" style=\"background-image:url('https:\/\/i.ytimg.com\/vi\/WuKzJAcpfEk\/sddefault.jpg');\" alt=\"Asset Protection with Jay Adkisson\"><\/div><\/a>\n\t\t\t\t\t\t<span class=\"text-blue\">February 25, 2021<\/span><br>\n\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/watch?v=WuKzJAcpfEk\" class=\"btn btn-sm btn-darkBlue-outline me-2 \" target=\"_blank\" title=\"Watch on YouTube\"><i class=\"ikon ikon-xxs ikon-watch-solid me-1\"><\/i>Watch<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/18076562\" class=\"btn btn-sm btn-darkBlue-outline \" target=\"_blank\"><i class=\"ikon ikon-xxs ikon-listen-solid me-1\"><\/i>Listen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 mb-4 mb-lg-0\">\n\t\t\t\t\t\t<a href=\"\/asset-protection-strategies-to-secure-your-wealth-podcast-132\"><div class=\"featured-podcast-thumbnail\" style=\"background-image:url('https:\/\/i.ytimg.com\/vi\/WVLS_qR5zyc\/sddefault.jpg');\" alt=\"Asset Protection Strategies to Secure Your Wealth\"><\/div><\/a>\n\t\t\t\t\t\t<span class=\"text-blue\">November 14, 2019<\/span><br>\n\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/watch?v=WVLS_qR5zyc\" class=\"btn btn-sm btn-darkBlue-outline me-2 \" target=\"_blank\" title=\"Watch on YouTube\"><i class=\"ikon ikon-xxs ikon-watch-solid me-1\"><\/i>Watch<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/12024908\" class=\"btn btn-sm btn-darkBlue-outline \" target=\"_blank\"><i class=\"ikon ikon-xxs ikon-listen-solid me-1\"><\/i>Listen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n    <\/div>\n<div class=\"row mt-lg-4\">\n<div class=\"col-12\">\n      <a href=\"\/wci-podcast\" class=\"orange\"><\/p>\n<h4 class=\"d-inline\">See All <span class=\"total-podcast-count\">400+<\/span> Episodes<\/h4>\n<p><\/a>\n     <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">Asset Protection Resources<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n<ul class=\"link-list\">\n<li><a href=\"\/top-16-asset-protection-moves-for-doctors\/\">Top 16 Asset Protection Strategies for Doctors<\/a><\/li>\n<li><a href=\"\/6-asset-protection-mistakes\/\">6 Big Asset Protection Mistakes That Physicians Make<\/a><\/li>\n<li><a href=\"\/the-ethics-of-asset-protection\/\">The Ethics of Asset Protection<\/a><\/li>\n<li><a href=\"\/what-physicians-should-not-do-if-sued\/\">What (Not) to Do If You\u2019re Sued \u2014 Lessons from an Expert Witness<\/a><\/li>\n<li><a href=\"\/navigating-a-lawsuit-305\/\">Navigating a Lawsuit<\/a><\/li>\n<li><a href=\"\/asset-protection-in-real-estate-investing-336\/\">Asset Protection in Real Estate Investing<\/a><\/li>\n<li><a href=\"\/how-to-not-get-sued\/\">How Physicians Can Prevent Getting Sued<\/a><\/li>\n<\/ul>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n\n<section class=\"white learn\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-xxl-10 mx-auto text-center\">\n\t\t\t\t<h2 class=\"text-blue\">What Do You Want to Learn About?<\/h2>\n\t\t\t\t<div class=\"row justify-content-start justify-content-lg-center my-4 learn-icons row-cols-3 row-cols-md-4 row-cols-lg-5 row-cols-xl-auto g-4\">\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/invest\/\">\n\t\t\t\t\t\t\t<i class=\"ikon 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