An Irrevocable Life Insurance Trust (ILIT) can be an effective estate planning tool for managing life insurance proceeds outside of your taxable estate while providing liquidity to heirs. Residents of West Bishop and surrounding areas turn to the Law Offices of Robert P. Bergman for practical guidance on whether an ILIT fits their family’s needs. This page explains what an ILIT is, how it functions in California, common design options, and how it coordinates with other estate documents such as wills, revocable living trusts, and power of attorney instruments to create a cohesive plan tailored to local rules and family goals.
Choosing to establish an ILIT involves careful consideration of family dynamics, tax planning, and long-term management of life insurance benefits. Inyo County residents often seek clarity about trustee duties, beneficiary designations, premium payment mechanisms, and how an ILIT interacts with other arrangements like irrevocable life insurance trusts and retirement plan trusts. This guide offers clear, practical information about typical timelines, administrative responsibilities, and options for funding and amendment. It will help you understand the elements you should discuss when meeting with legal counsel and preparing documents for implementation in California.
An ILIT can offer several benefits that make it an attractive component of a broader estate plan. By owning a life insurance policy inside a trust that you cannot revoke, the death benefit can be kept out of your taxable estate for federal and potentially state purposes, preserving more of the policy value for intended beneficiaries. An ILIT also allows for controlled distribution of proceeds, protection from creditors in some circumstances, and clearer succession for policy ownership. It can be structured to provide liquidity to pay estate expenses, facilitate transfer of assets, or support long-term trusts for minors or family members with special needs, while aligning with other components of a coordinated plan.
The Law Offices of Robert P. Bergman serves clients in West Bishop, Inyo County, and throughout California with a focus on practical, client-centered estate planning. Our approach emphasizes listening to family priorities, explaining options in clear terms, and preparing documents that work with family dynamics and financial realities. We draft ILITs alongside revocable living trusts, wills, powers of attorney, and health directives, so each element supports the others. We also guide trustees and family members through administration to help ensure the trust functions as intended and that beneficiaries receive the support and direction you envisioned.
An ILIT is a trust designed to own a life insurance policy and manage its proceeds according to the grantor’s instructions for the benefit of named beneficiaries. Once properly funded and executed, the trust becomes the legal owner and beneficiary of the policy, which removes the proceeds from the grantor’s estate for estate tax purposes in many situations. The trust document will specify how premiums are paid, how distributions are made, and who serves as trustee. It is important to follow formalities when transferring existing policies or acquiring new policies within the trust to achieve intended tax and planning outcomes under current California and federal law.
When creating an ILIT, decisions include naming trustees, identifying beneficiaries and contingent beneficiaries, defining distribution standards, and specifying who may serve as a holder for premium gifts. Funding strategies can involve gifting cash to the trust to pay premiums, transferring ownership of an existing policy, or having family members make gifts that the trustee uses for premium payments. Timing matters: transfers must be planned with an awareness of three-year rules and other tax considerations. Proper drafting and administration prevent unintended tax consequences and promote smooth settlement for your family after your passing.
An ILIT is a legal arrangement in which the trust itself owns a life insurance policy and holds the death benefit for beneficiaries under the terms set by the grantor. The trust document controls payout timing, beneficiary access, and conditions for distributions, which can protect proceeds from creditors and influence how funds are used. An ILIT often coordinates with a pour-over will or a revocable living trust to ensure all assets pass according to the overall estate plan. Because the grantor gives up ownership and control over the policy, the arrangement is designed to provide clear separation between the insured and the policy proceeds for estate planning purposes.
Setting up an ILIT involves drafting trust language that identifies trustees and beneficiaries, establishes distribution rules, and states how premiums will be paid. The process typically includes selecting or transferring a life insurance policy into the trust, confirming the trustee’s authority to manage the policy, and using gift documentation if family members will contribute to premium payments. Trustees should maintain records of gifts and premium disbursements, prepare notices to beneficiaries when appropriate, and coordinate with financial institutions and insurers for beneficiary designations. Regular review ensures the ILIT continues to serve family circumstances and remains aligned with tax and regulatory changes.
Understanding common terms will make discussions about ILITs more productive. Key terms include grantor, trustee, beneficiary, premium funding, gift tax considerations, three-year inclusion rule, and trust distribution provisions. Knowing these terms helps you follow decisions about who will manage the trust, how premiums are paid, and how proceeds will be distributed at death. This glossary section explains each concept in plain language and highlights considerations unique to California residents, so you can ask informed questions when designing or administering an ILIT as part of a broader estate plan.
The grantor is the person who creates the ILIT and transfers ownership of the life insurance policy to the trust. By placing the policy in the trust, the grantor gives up direct ownership of the policy and places decision-making authority in the hands of the named trustee. The grantor’s intentions drive the terms of the trust, including who will receive benefits and how distributions should be handled. While the grantor no longer controls the policy directly, careful drafting ensures the grantor’s wishes regarding family support, estate liquidity, and asset protection are implemented through the trust document.
The trustee is the individual or entity responsible for administering the ILIT according to its terms. Responsibilities include managing the policy, paying premiums from trust funds, filing necessary tax forms, keeping accurate records of gifts and payments, and distributing proceeds to beneficiaries as directed by the trust. A trustee must act in good faith and maintain communication with beneficiaries where required by the trust document. Selecting a trustee who understands fiduciary duties and administrative responsibilities helps ensure that the trust functions smoothly and that the grantor’s intentions are upheld after death.
Beneficiaries are the people or entities designated to receive the life insurance proceeds held by the ILIT. The trust document can create immediate distributions or staged payments, and it can set conditions for distribution, such as age milestones or educational uses. Beneficiary designations must be coordinated with trust language so that the policy proceeds pass into the trust rather than directly to individuals, avoiding unintended estate inclusion. Trustees manage the timing and manner of distributions, always guided by the instructions in the trust to support the grantor’s long-term goals for heirs and dependents.
The three-year inclusion rule generally refers to the federal tax provision that can include life insurance proceeds in the grantor’s estate if the insured transferred ownership of the policy within three years of death. This potential inclusion can affect whether an ILIT achieves its intended estate tax benefits, so timing and transfer planning are important. Properly structuring transfers, understanding exceptions, and coordinating premium funding can help mitigate risks associated with this rule. A well-timed ILIT created well before any anticipated need is often used to avoid complications related to this inclusion provision.
When evaluating an ILIT against alternatives such as retaining personal ownership of a policy, naming individuals as direct beneficiaries, or using a revocable trust, consider control, tax consequences, and creditor protection. Keeping a policy in your own name provides flexibility but may expose proceeds to estate inclusion and creditors. Naming individuals directly can be simple but may create management issues for minor or vulnerable beneficiaries. A revocable trust offers control while you are alive but does not remove the policy from your estate unless ownership is transferred to an irrevocable vehicle. Each option has trade-offs related to taxation, administration, and family needs that should guide your choice.
A limited approach to life insurance planning may be appropriate when policy proceeds are modest relative to your overall estate and the likelihood of federal estate tax liability is low. In such cases, maintaining personal ownership of the policy and ensuring beneficiary designations are up to date can be an efficient choice that minimizes administrative complexity. This approach allows for flexibility in changing coverage or beneficiary designations, while relying on basic estate planning documents such as a will and powers of attorney to address other asset transfers and end-of-life planning needs without the additional structure of an irrevocable trust.
A limited strategy might also suit families who need immediate liquidity for short-term obligations but do not want to impose long-term restrictions on beneficiaries. Retaining policy ownership can make it easier to borrow against cash values if the policy allows or to change coverage as financial circumstances evolve. This flexibility can be preferable for families with uncertain futures or those who prefer to keep control of assets during lifetime. However, it is important to weigh flexibility against potential estate inclusion or exposure to creditor claims when making this choice.
A comprehensive ILIT and estate plan is often appropriate when life insurance proceeds represent a large portion of your assets or whenestate tax exposure is a concern. In such situations, placing a policy in an ILIT can remove proceeds from the taxable estate, preserve value for heirs, and provide for structured distributions that meet long-term family objectives. Coordinated planning also addresses how premiums will be funded, how the trust will interact with retirement accounts and other trusts, and how to ensure trustees and beneficiaries understand their roles, creating a cohesive strategy that protects family wealth across generations.
Comprehensive planning is also advisable when family circumstances are more complex, such as blended families, minor heirs, beneficiaries with special needs, or concerns about creditor claims. An ILIT can be tailored to provide controlled distributions, establish subtrusts, or coordinate with special needs trust planning and guardianship nominations to protect benefits and preserve eligibility for public programs. Properly drafted provisions help clarify intentions and reduce friction among heirs by setting clear rules for how proceeds are managed and distributed over time.
Integrating an ILIT with a full estate plan offers advantages beyond tax mitigation, including reduced administration burden for heirs, protection of proceeds from certain creditor claims, and predictable distribution structures. When paired with documents like a pour-over will, revocable living trust, powers of attorney, and health care directives, an ILIT becomes part of a coordinated system that addresses asset management during life and after death. This integration helps ensure liquidity is available when needed, reduces delays in settling affairs, and provides clear guidance to trustees and beneficiaries about intended uses of proceeds.
A comprehensive approach also supports continuity for families facing life transitions. For example, combining ILIT proceeds with retirement plan trust provisions or special needs trusts can fund ongoing care, educational needs, or business succession plans. Structured distribution provisions help prevent impulsive spending and protect assets for beneficiaries who may not be prepared to receive large lump sums. Document reviews and periodic updates ensure the plan reflects changes in family dynamics, tax law, and financial circumstances so the ILIT and supporting documents remain effective and aligned with long-term goals.
Placing life insurance in an ILIT commonly provides liquidity for paying estate taxes, debts, and administrative expenses without forcing the sale of family assets. Because the trust owns the policy, proceeds can be distributed according to the grantor’s instructions and used to address settlement costs promptly. This approach preserves other estate assets for beneficiaries and reduces the likelihood of forced liquidation. Clear trust provisions allow trustees to access funds in a timely manner while adhering to distribution rules designed to protect the long-term interests of beneficiaries and honor the grantor’s intentions.
An ILIT enables structured distributions that can safeguard proceeds for beneficiaries who are minors, have limited financial experience, or require ongoing support. The trust can set conditions for distributions tied to age, education, or other milestones, and can include provisions to address beneficiaries with disabilities without disrupting public benefits eligibility. This controlled structure helps ensure that funds are used as intended and provides a framework for trustees to manage resources responsibly, reducing family conflict and promoting the financial stability of heirs across varying life stages.
Begin ILIT planning well in advance of significant life events and anticipated need dates to avoid rushed decisions and potential tax inclusion issues. Early planning allows you to choose trustees, document funding strategies, and coordinate beneficiary designations with other estate documents. It also gives time to consider transferring existing policies into the trust or taking out new policies owned by the trust. Starting early reduces the risk of last-minute mistakes and helps ensure the trust provides the protections and distributions you intend over the long term.
Review ILIT documents periodically and after major life changes such as marriage, divorce, births, deaths, or significant changes in assets. Changes in family circumstances or in tax law may require updates to trustees, beneficiaries, or distribution provisions. A regular review cycle helps ensure the trust remains consistent with your objectives and that policy ownership, beneficiary designations, and coordinating documents reflect current intentions. Keeping contact information and procedural steps current also helps trustees respond efficiently when the time comes to administer the trust.
Consider an ILIT when you want to preserve life insurance proceeds for beneficiaries while minimizing the likelihood that proceeds will be included in your estate or exposed to claims against your estate. An ILIT is particularly useful when life insurance plays a central role in family liquidity plans, business succession strategies, or intergenerational wealth transfer. It supports controlled distributions and can be coordinated with other trust instruments, guardianship nominations for minor children, and retirement plan arrangements to create a comprehensive legacy plan that reflects your priorities and protects resources for intended purposes.
Other reasons to consider an ILIT include reducing potential estate administration burdens and providing clear instructions for trustees and beneficiaries. Families who anticipate needing funds to pay estate taxes, settle debts, or facilitate a business buyout often benefit from a trust-owned policy that is immediately available upon death. Additionally, an ILIT can be tailored to support long-term goals such as funding education, ensuring care for dependents with special needs, or preserving assets across multiple generations while avoiding unintended distributions or exposure to creditors under certain circumstances.
Families commonly consider an ILIT when life insurance proceeds are substantial compared to total estate size, when there are concerns about estate taxes or creditor exposure, or when beneficiaries need structured support. Other circumstances include business owners who want to secure liquidity for succession plans, parents seeking to protect inheritances for minor children, and families with members who rely on public benefits where careful trust planning is necessary. In each case, an ILIT can be tailored to meet the particular needs of the family while coordinating with other estate planning documents for a consistent approach.
When life insurance proceeds form a significant portion of your total assets, an ILIT may help keep those proceeds out of your estate and available for heirs without triggering additional taxes or forcing the sale of other property. Structuring a trust to own the policy and defining clear distribution terms provides liquidity and direction for trustees and beneficiaries. This approach is often used to ensure that family homes, businesses, or other illiquid assets are not sold to pay estate obligations and that beneficiaries receive support in a manner consistent with the grantor’s intentions.
An ILIT can be designed to protect the long-term financial security of vulnerable beneficiaries by specifying staged distributions, creating subtrusts, or coordinating with special needs planning to preserve public benefits eligibility. Trustees can be given clear authority and guidance for managing proceeds to meet ongoing care needs, educational expenses, or medical costs. The trust structure reduces the risk that beneficiaries receive large lump sums prematurely and provides a framework for ongoing oversight and support tailored to the family’s care objectives.
Business owners often use ILITs to provide liquidity for succession planning, ensuring funds are available to purchase interests or support transitional costs without destabilizing the enterprise. An ILIT can fund buy-sell agreements, facilitate compensation for continuing family members, or ensure that key obligations are satisfied after an owner’s death. The trust structure allows for coordinated planning that aligns business continuity goals with the estate plan, providing heirs with financial resources that support orderly transitions and preserve the value of ongoing operations.
The Law Offices of Robert P. Bergman is available to assist West Bishop and Inyo County residents with ILIT planning and related estate matters. We provide practical guidance on trust drafting, funding options, beneficiary coordination, and trustee responsibilities. Our team can walk you through options for linking an ILIT with revocable living trusts, wills, powers of attorney, and guardianship nominations for minor children. We prioritize clear communication, responsive service by phone at 408-528-2827, and documents that reflect California law and your family’s priorities to help ensure plans are workable and implementable when needed.
Our firm focuses on creating practical, well-drafted estate plans that reflect the needs of California families. We emphasize clear explanations of available options, careful drafting to reflect your goals, and coordination among all estate planning documents to avoid conflicting instructions. Clients in West Bishop and beyond rely on our firm to prepare trusts, wills, and ancillary documents that work together to provide liquidity, protect beneficiaries, and support long-term family objectives. We also assist trustees with administrative tasks so transitions proceed smoothly and in accordance with the trust’s terms.
We work collaboratively with clients to identify the best strategy for owning and funding life insurance policies within a trust structure. This includes evaluating whether transferring an existing policy or purchasing a new trust-owned policy is most appropriate, designing funding mechanisms for premiums, and clarifying trustee duties. Our planning also considers tax and timing issues relevant to ILITs under current law, and we help families implement administrative practices that reduce later disputes and ensure efficient handling of proceeds when the time comes.
Beyond drafting documents, we provide guidance on recordkeeping, beneficiary notice practices, and coordination with financial institutions and insurers. Our goal is to create plans that are understandable and practical for trustees and family members who will administer or benefit from the trust. By addressing likely administrative steps at the planning stage, families are better prepared to manage premium payments, document gifts, and carry out distribution instructions consistently and transparently.
Our process begins with a detailed consultation to understand your family situation, financial goals, and any existing estate documents or policies. We then recommend an approach that aligns with those goals, prepare draft documents for review, and coordinate with insurers or financial advisers as needed to transfer or issue policies. After finalizing documents, we walk clients through signing, funding, and administrative practices trustees should follow. Follow-up reviews are available to update documents when circumstances change or to assist trustees during administration to ensure the plan functions as intended.
The first step is a comprehensive review of your objectives, existing documents, and insurance holdings to determine whether an ILIT is appropriate and how it should be structured. We discuss trustee options, beneficiary designations, funding methods for premiums, and any tax or timing considerations that could affect outcomes. This planning stage includes evaluating whether to transfer an existing policy or arrange for the trust to purchase a new one, and identifying how the ILIT will coordinate with revocable trusts, wills, and other estate planning components.
During fact-finding, we gather information about assets, policy terms, family dynamics, and existing estate planning documents. This includes reviewing beneficiary designations, policy ownership details, and any trust language already in place. Careful review helps identify potential conflicts or timing issues, such as transfers made within the three-year period that could affect estate inclusion. Gathering this information up front helps create a tailored plan that addresses both practical administration and legal considerations under California and federal rules.
We help clients choose a funding strategy that aligns with their financial situation, whether by transferring an existing policy to the trust, having family members make premium gifts, or arranging trust purchases of new policies. Trustee selection is discussed with attention to administrative capabilities and willingness to serve. Clear directions for how premiums will be paid and how gifts will be documented are established to support later administration and potential tax reporting requirements.
Once the plan is agreed upon, we draft the ILIT document and any supporting forms, review drafts with you, and make revisions before execution. We coordinate with insurers to ensure beneficiary designations and policy ownership are updated to reflect the trust, and we prepare any necessary gift documentation for premium funding. Our goal is to produce a clear, enforceable trust document and to complete transfers and funding steps carefully so that the trust operates as intended under current law.
Drafting includes precise language establishing trustee powers, distribution standards, and procedures for premium payments and recordkeeping. We provide drafts for your review and answer questions to ensure the terms reflect your wishes. Revisions are incorporated until you are satisfied, and we prepare execution instructions and supporting paperwork for the insurer and any gifting parties. This stage emphasizes clarity and predictability to minimize administrative burden later.
Execution involves signing the trust document, transferring ownership of existing policies when applicable, and confirming beneficiary designations with insurance companies. If family members will make gifts to cover premiums, we prepare appropriate notices and documentation. Completing these steps carefully helps avoid unintended estate inclusion and ensures the trust has the resources necessary to pay premiums and fulfill the grantor’s intentions.
After the ILIT is in place, trustees must follow administrative protocols such as maintaining records of gifts and premium payments, filing necessary tax forms, and managing distributions according to the trust’s terms. We provide guidance and support for trustees and beneficiaries, and recommend periodic reviews to ensure documents reflect changes in family circumstances, policy performance, and applicable law. Ongoing attention helps the ILIT continue to meet objectives and reduces the likelihood of disputes or unintended outcomes.
We advise trustees on maintaining accurate records of premium payments, gifts used to fund the trust, and communications with beneficiaries and insurers. Organized recordkeeping facilitates proper tax reporting and helps demonstrate compliance with the trust’s provisions. Trustees who follow recommended practices are better positioned to administer the trust efficiently and transparently, helping beneficiaries understand the reasons for distribution timing and amounts.
Periodic reviews are important to address family changes, alterations in financial circumstances, or legal developments that could affect the ILIT. While the trust is irrevocable, coordinating surrounding documents like wills and powers of attorney may require updates to ensure harmony across the estate plan. We can assist with these reviews and recommend adjustments to related planning documents, ensuring that the overall plan continues to reflect your goals and remains effective for trustees and beneficiaries.
An ILIT provides several potential benefits, including removing life insurance proceeds from the grantor’s taxable estate, providing liquidity to pay estate obligations, and creating structured distributions for beneficiaries. The trust’s ownership of the policy helps ensure the death benefit is managed according to the grantor’s instructions rather than passing directly to individuals, which can reduce administrative friction and help protect proceeds in certain circumstances. ILITs also allow for tailored distribution provisions that support minors, dependents with disabilities, or longer-term financial goals. By naming a trustee and setting rules for use of proceeds, the trust preserves the grantor’s intent, helps avoid impulsive distributions, and can be coordinated with other planning tools like a revocable living trust or a pour-over will.
An ILIT is commonly funded by having the trust own the life insurance policy and by arranging for premium payments from trust assets or gifts to the trust. Family members may make annual exclusion gifts to the trust that the trustee uses to pay premiums, and appropriate notices may be used to preserve gift tax exclusions. Alternatively, an existing policy can be transferred into the trust, with careful attention to timing and tax implications. It is important to document gifts and premium payments so that trustees can demonstrate proper funding and comply with tax reporting requirements. Clear funding instructions in the trust document and consistent recordkeeping help ensure the trust remains well-funded and able to meet its obligations without placing unintended burdens on trustees or beneficiaries.
Transferring an existing policy into an ILIT is possible, but the timing of the transfer requires attention to tax rules such as the three-year inclusion period. If a policy is transferred within three years of the insured’s death, the proceeds may be included in the grantor’s estate for tax purposes. For this reason, many people either transfer policies well in advance or have the ILIT purchase a new policy owned by the trust. When transferring a policy, coordinate with the insurer to change ownership and beneficiary designations properly and document the transfer with clear records. Reviewing the implications with a planner helps avoid unintended consequences and ensures the transfer supports the overall estate plan.
A trustee’s primary responsibilities include managing the life insurance policy, paying premiums from trust funds, maintaining accurate records of gifts and payments, and distributing proceeds in accordance with the trust’s terms. The trustee should also coordinate with insurers and financial institutions, file any necessary tax forms, and communicate with beneficiaries as required by the document. Acting with transparency and in good faith helps trustees fulfill obligations while minimizing disputes. Trustees may also need to interpret trust provisions and make discretionary decisions consistent with the grantor’s intent. Clear drafting and guidance reduce ambiguity and help trustees administer the trust effectively, which benefits beneficiaries and supports orderly settlement of the grantor’s affairs.
An ILIT can reduce the risk that life insurance proceeds are included in the taxable estate, but transfers made within three years of the grantor’s death may still be pulled back into the estate under federal rules. Planning around this timing is important for achieving the anticipated tax advantages. Establishing the ILIT well before potential triggering events and carefully documenting transfers and funding helps avoid unintended estate inclusion. Because tax laws can change and individual circumstances vary, it is important to review the timing and structure of the ILIT relative to your overall estate and financial plan. Coordinating the ILIT with related instruments such as revocable trusts and wills ensures the approach aligns with both tax planning and family objectives.
An ILIT can provide some protections by placing proceeds in a trust vehicle with distribution controls, which may shield funds from certain creditor claims depending on applicable law and the beneficiary’s circumstances. While the trust structure can make funds less accessible to claimants in some situations, protections vary and are influenced by timing, local law, and the specific facts of creditor or divorce proceedings. Trust language that governs distributions and conditions for access can reduce the risk that beneficiaries immediately lose funds to creditors or divorce settlements. Careful planning with awareness of state law and potential creditor scenarios helps determine the degree of protection achievable through an ILIT as part of a comprehensive approach to asset management.
ILITs are most effective when coordinated with other estate planning documents like revocable living trusts, pour-over wills, powers of attorney, and health care directives. Coordination ensures consistent beneficiary designations, funding strategies, and instructions for trustees and fiduciaries. For example, a pour-over will can direct assets to a revocable trust at death, while an ILIT separately holds policy proceeds under its own terms. Aligning these documents reduces conflicts and clarifies how different assets should be handled. Regular reviews ensure all elements remain consistent with changing family situations and legal developments, helping ensure a cohesive plan that functions smoothly when needed.
If beneficiaries’ circumstances change after the ILIT is funded, the trust’s distribution provisions govern how proceeds will be managed and released. While the trust itself cannot typically be altered once it is truly irrevocable, some trusts include limited mechanisms for adjusting provisions through trustee powers or decanting procedures. Beneficiary changes should be evaluated in the context of existing trust terms to determine available options for addressing new needs. Trustees can sometimes exercise discretionary authority to respond to changed circumstances within the scope of the trust, and complementary estate planning documents can be updated to reflect current wishes. Consulting with counsel before making adjustments helps preserve the integrity of the trust and avoid unintended tax or legal consequences.
Trustees should maintain comprehensive records of premium payments, gifts used to fund premiums, communications with insurance carriers, and distributions to beneficiaries. Documentation supports any necessary tax reporting, demonstrates compliance with the trust terms, and provides transparency for beneficiaries. Good recordkeeping also helps when preparing estate accounting and responding to beneficiary inquiries. Maintaining clear files, dated receipts, bank records, notices, and copies of communications with insurers and advisers makes administration more efficient. Trustees who follow organized procedures reduce the risk of disputes and can more readily explain decisions and transactions to beneficiaries or courts if questions arise.
Review an ILIT and related estate planning documents periodically and after major life events such as births, deaths, marriages, divorces, or significant changes in assets. While an irrevocable trust cannot typically be changed at will, coordinating documents and ensuring that trustees and beneficiaries remain appropriate helps maintain the plan’s effectiveness. Regular reviews also ensure funding plans and policy performance remain aligned with family goals. Scheduling reviews every few years or when circumstances shift allows you to confirm that beneficiary designations, funding strategies, and supporting documents continue to reflect your intentions. Timely updates to related instruments prevent conflicts and help trustees administer the plan according to current needs and expectations.
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