Unencumbered properties held by investor(s) personally?

[Jason Cunningham]

Hello Bigger Pockets Network,

My name is Jason Cunningham, and I am a Realtor in Newport Beach, CA.  I have a client who owns a handful of properties in the Orange County area.  The married couple owns their properties personnaly as joint tenants, three of them which are unencumbered.  They have a relatively large umbrella policy and feel this is sufficent protection from potentioal loss.  

Recently, a savvy investor I know suggested a seminar where they discuss asset protection.  It is called "Magnify Your Wealth Summit" in San Diego, www.growin2018.com.  Was wondering if anyone has any feedback on this seminar... This investor mentioned that unencumbered properties held personally by the investor(s) is a scenario that would-be criminals specifically seek out, and that umbrella policies should not be viewed as sufficient protection.  

Any of your thoughts and/or reference to any articles on this subject that I can share with my clients would be greatly appreciated!  Thank you for your time!  Good luck!

Sincerely,

Jason