Similar in its immediate benefits to an Investment Management Account, a revocable living trust offers added long-range planning advantages.
Because we act as your trustee rather than merely as your agent, you may arrange to have us take on broad responsibilities for managing your financial affairs. From a practical standpoint, each trust client has just as much investment control as he or she wishes. Typically, we provide professional management or investment guidance tailored to each client’s needs and preferences. Some of our clients start off by managing their trust investments themselves, reserving the right to delegate investment responsibility to us in the future.
  • Our role is clear. We follow the client’s instructions, as set forth in the written trust agreement, consistent with all applicable laws and fiduciary duties. There is no doubt that the client stays in control. Any client who becomes dissatisfied with our service is free to terminate the trust or change trustees.
  • You are in control. Beyond control over the trust, our clients gain better control over their lives, a type of control that only a trust affords.
  • In case of incapacity. No one can escape the risk of an incapacitating illness or injury. When that occurs, others may need to take control of your finances. A living trust can allow the trustee to act on your behalf. The trust agreement can spell out the ground rules, how you want things handled. Without a trust, it’s the Probate Court that decides who takes over in the event of incapacity. And then the ground rules are set forth in the law.
  • Financial privacy. Revocable living trusts make a highly adaptable framework for long-range family security planning. Any trust provisions that might be made for your family by your will can be made through a living trust. However, unlike a will, a living trust agreement normally does not go on public record at a person’s death. Family privacy is preserved.

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Not FDIC insured / May lose value / Not financial institution guaranteed / Not a bank deposit / Not insured by any federal government agency.