See below for details!

Together, with your attorney, we can help assure your plan for the future will be carried out.

Estate Administration

Estate settlement services
Settling even a simple estate can be complex and time-consuming. We work closely with your family advisors to ensure your estate is settled promptly, properly and in accordance with your wishes. We'll work to:

• Collect income and dividends generated by estate assets
• Distribute income and principal to beneficiaries
• Make decisions consistent with instructions you provided in will
• Maintain records for your estate’s assets and investments
• Minimize federal estate and gift taxes
• Gather, safeguard and distribute assets
• Pay all debts
  
  

Living Trusts

Ensure your wealth is managed the way you want - now and for future generations.

Expert advice, personal attention

Our advisors will work closely with you to identify your needs, develop a trust solution that's appropriate for you and integrate it into your overall wealth transfer plan.

Meeting your needs

Trusts can provide a wide range of benefits, including:

• Helping avoid the delays and publicity of probate when your estate passes to your heirs.
• Relieving you of as many or as few of the day-to-day tasks in managing your wealth as you choose.
• Ensuring your assets are professionally managed should you become incapacitated.
• Minimizing estate and gift taxes.
• Protecting your privacy and allowing you the level of involvement and control you want.

Testamentary Trusts

A testamentary trust is established by a will and becomes effective after the death of the testator. Depending on its terms, a testamentary trust may provide tax advantages and professional money management for the beneficiaries.

Types of testamentary trusts include:

• Bequests to minors (attainment of legal majority at 18). Avoids legal guardianship.
• Marital Trust and Residuary Trust – Save taxes with marital deduction. It allows half an estate to pass to the surviving spouse without federal tax.

Guardianships

A court may appoint a trust institution to act as a guardian for a minor or some other person not competent to manage his own affairs.

Self-Directed IRAs

These are Individual Retirement Accounts established by a working person on behalf of himself and/or his spouse to provide supplemental income at retirement.

• Earnings are tax deferred.
• Regular traditional IRA contributions may be eligible for deduction.
• Bank acts as Custodian.
• Individual directs the bank on the investment of contributions.

Financial Planning

Sophisticated solutions to secure your legacy.

Successful planning requires a comprehensive plan based on the objectives that are most important to you. We work with you and your advisors to craft a plan that incorporates:

• Sound asset management
• Effective trust structures
• Close attention to estate- and gift-tax consequences

Advantages of a Trust Institution

• Experience
• Knowledge
• Security
• Accounting
• Dependability - “Here today, here tomorrow”.

Wealth Management | Investments | Trust Services

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