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[Music] everybody this is Paul Hitchcock with the estate and asset protection planning forum Barth Colorado thanks for joining wealth protector TV and you might be listening to this on wealth protector radio Im here with my colleague Brent own a is an asset protection estate planning expert Frank can you hear me okay I can hear you great Bob great well today were talking about very briefly a really important topic asset protection and as you know if youve listened to this show before we do a ton of workshops across the country - a lot of really great groups and an issue that comes up a lot for married couples is how to protect their assets in a marriage if somebody gets sued or something liability comes to one of the one of these spouses and so the issue is a post marital agreement so Frank could you tell us a bit about what that is and how it fits into things yeah absolutely happy to Paul so I think its important to understand the the laws here in that work weve got here in Cali