An Irrevocable Life Insurance Trust is a planning tool used to hold life insurance policies outside of an estate for potential estate tax, asset protection, and legacy planning reasons. Residents of Bodfish, Kern County, and other parts of California turn to experienced estate planning counsel to design an arrangement that aligns with family goals, tax considerations, and long term financial needs. At the Law Offices of Robert P. Bergman, our approach is to review your overall estate plan, identify how an irrevocable trust could integrate with existing wills, revocable trusts, and retirement planning, and clearly explain implications for beneficiaries and trustees.
Choosing whether an irrevocable life insurance trust is appropriate requires careful consideration of your financial picture, family dynamics, and long term objectives. The trust structure typically removes the life insurance policy and its proceeds from your taxable estate and can provide liquidity to pay taxes or support beneficiaries without probate delay. In Bodfish and throughout California, clients benefit from tailored advice about ownership transfer mechanics, gift tax implications when funding the trust, and strategies that preserve policy benefits while meeting legacy goals for children, charities, or special needs family members.
An irrevocable life insurance trust offers several potential advantages for households in Bodfish and Kern County, including keeping life insurance proceeds out of probate, providing liquidity for estate obligations, and supporting long term wealth transfer goals. The trust structure can also help protect proceeds from creditor claims, provide predictable distribution instructions to beneficiaries, and allow for professional management of the funds by a trustee. When properly funded and administered, this tool can simplify settlement processes and provide peace of mind that your wishes will be carried out efficiently and with minimal court involvement.
The Law Offices of Robert P. Bergman serves clients across California, including Bodfish and Kern County, with a focus on practical estate planning solutions such as revocable living trusts, wills, powers of attorney, and irrevocable life insurance trusts. Our attorneys emphasize clear communication, careful drafting, and follow through so clients understand the legal and tax considerations that affect their plans. We work closely with financial advisors and trustees to coordinate transfers, prepare required trust instruments, and ensure trustee instructions reflect the grantor’s intent while maintaining compliance with California law and federal tax regulations.
An irrevocable life insurance trust is created when a grantor transfers ownership of a life insurance policy into a trust that cannot be revoked or modified by the grantor in most respects. Once the transfer is completed, the trust owns the policy, the trust is the beneficiary, and the death proceeds are distributed according to the trust terms. For Bodfish residents, this arrangement can remove the policy from the grantor’s taxable estate, but it generally requires timing and gifting considerations to avoid estate inclusion. A well drafted trust will also establish trustee powers and beneficiary directives to ensure orderly management after the grantor’s death.
When establishing an irrevocable life insurance trust, the grantor and advisors must address several practical matters, including whether to fund the trust with an existing policy or to have the trust purchase a new policy, how annual gifting will support premium payments, and whether to use a Crummey provision to qualify gifts for the annual exclusion. Trustees need clear authority to handle policy premium payments, beneficiary distributions, and potential investment of trust assets. Careful coordination with insurance carriers and accurate trust documentation are essential to achieve the intended tax and asset protection outcomes.
An irrevocable life insurance trust is a separate legal entity created to own and administer life insurance policies for the benefit of named beneficiaries according to written trust terms. It is typically drafted so that the grantor relinquishes certain ownership rights to ensure that policy proceeds are not included in the grantor’s gross estate for estate tax purposes. The trust provides a governance framework for how proceeds are invested, distributed, and protected from probate or direct creditor access, subject to applicable state and federal rules. The trustee manages the trust, follows distribution instructions, and handles tax filings and reporting obligations.
A properly constructed irrevocable life insurance trust includes the trust instrument, trustee appointment and powers, beneficiary designations, funding instructions, and provisions for premium payments and distributions. The process typically involves drafting the trust, transferring an existing policy or having the trust apply for a new policy, and establishing a funding mechanism such as annual gifts or other assets to pay premiums. The trustee will manage communications with the insurer, handle claims at the time of death, and distribute proceeds in accordance with the trust terms while maintaining required records and filings to preserve the intended tax outcomes.
Understanding common terms can make it easier to evaluate whether an irrevocable life insurance trust fits your plan. Important concepts include grantor, trustee, beneficiary, funding, annual exclusion gifts, Crummey rights, estate inclusion rules, and life insurance ownership transfer. Clarifying these terms helps clients make informed decisions about timing, funding mechanisms, and trustee selection. This glossary provides plain language explanations to demystify legal and tax phrases so Bodfish clients can discuss options confidently with their advisors and ensure trust documents reflect their wishes.
Grantor is the person who establishes the trust and transfers assets into it. In the context of an irrevocable life insurance trust, the grantor typically transfers ownership of a life insurance policy to the trust and may make ongoing gifts to cover premiums. Once the transfer is made, the grantor usually relinquishes direct control over the policy and the trust assets, which helps achieve certain estate planning objectives. It is important to document the transfer properly and to consider timing to avoid unintended tax consequences or inclusion of the policy in the grantor’s estate.
A trustee is the individual or institution charged with administering the trust according to its terms. Duties include managing the life insurance policy, paying premiums when funds are available, filing any required trust tax returns, and distributing proceeds to beneficiaries at the appropriate time. Trustees owe fiduciary duties to act in the beneficiaries’ best interests and to keep accurate records. Selecting a trustee who is capable, trustworthy, and willing to manage the responsibilities is an important part of successful trust planning for families in Bodfish and throughout California.
A beneficiary is a person or entity designated to receive trust property or policy proceeds under the trust terms. Beneficiaries can include family members, charitable organizations, or entities created for care of dependents. The trust instrument can specify when and how distributions are made, whether in lump sums or installments, and can include safeguards to maintain benefits for beneficiaries with special needs. Clear beneficiary designation and coordination with trustee powers are essential to ensure that the grantor’s intentions are carried out after the insured person’s death.
Crummey rights permit beneficiaries of a trust to withdraw gifts for a limited period, which can enable those gifts to qualify for the annual gift tax exclusion. In the context of an irrevocable life insurance trust, Crummey withdrawal powers are often included so that contributions used to pay premiums qualify for annual exclusion treatment. Proper notice procedures and documentation are necessary to support the availability of the exclusion. Drafting and administering Crummey provisions correctly is a common concern for clients funding an irrevocable trust with annual gifts.
When considering life insurance in an overall estate plan, options include keeping a policy owned personally, transferring it to a revocable trust, or placing it into an irrevocable life insurance trust. Each option has distinct tax, creditor, and probate implications. Personal ownership offers flexibility but may increase estate tax exposure and subject proceeds to probate. A revocable trust will not remove the policy from the taxable estate. An irrevocable trust can reduce estate inclusion risk but requires relinquishing ownership and following formal funding and administration steps to ensure the intended benefits are realized.
For individuals whose estate values fall well below federal and California thresholds, maintaining life insurance in personal ownership or within a revocable trust may be sufficient to meet family needs without complex trust transfers. A limited approach can preserve flexibility to change beneficiaries or loan against a policy if circumstances evolve. It may also reduce administrative complexity and avoid the formalities of an irrevocable trust. However, clients should still consider creditor risks, probate timing, and beneficiary protections to ensure their chosen approach aligns with long term objectives.
If planning needs are temporary or if a client expects significant change in the near future, a less permanent ownership arrangement can provide needed flexibility. For example, a person who plans to move assets between trusts or who anticipates a change in family circumstances may prefer to postpone a permanent transfer to an irrevocable trust. A transitional approach allows time to reassess priorities and to coordinate life insurance ownership with other estate planning documents while avoiding the permanence associated with irrevocable arrangements.
A comprehensive approach coordinates life insurance ownership with wills, revocable trusts, powers of attorney, and retirement planning to ensure consistent directions across documents. This integrated planning helps to avoid unintended estate inclusion, conflicting beneficiary designations, and surprises that can complicate administration. By evaluating tax consequences, liquidity needs, and beneficiary circumstances in concert, clients can design a trust structure that supports efficient transfer of assets and reduces the likelihood of disputes or costly court involvement after a death.
Comprehensive planning anticipates future changes such as remarriage, the birth of children, business transitions, or evolving tax law. Drafting trust provisions that allow for trustee discretion, successor trustees, and clear distribution standards can preserve family goals over time. Coordinated documents also ensure that powers of attorney and health care directives align with trustee and beneficiary arrangements, so decisions made during incapacity or after death do not conflict with the grantor’s wishes or create administrative burdens for fiduciaries.
A holistic planning approach provides clarity, coordination, and confidence that estate resources will be managed and distributed as intended. It helps ensure that life insurance proceeds are available to address debts, taxes, and ongoing family needs without requiring probate court involvement. Coordinated documents reduce ambiguity for trustees and fiduciaries, lower the risk of disputes, and support efficient administration. For families in Bodfish and elsewhere in California, this approach aligns financial, health care, and property planning to protect loved ones during transitions.
Comprehensive planning can also create opportunities for tax efficient transfers, creditor protection, and charitable giving strategies. By considering life insurance together with retirement assets, business interests, and trust arrangements, clients can allocate resources in a manner that balances immediate family needs with long term legacy goals. Professional coordination with financial and tax advisors helps ensure that funding mechanisms and trust provisions are sustainable and that administrative responsibilities are clearly assigned to minimize burden on beneficiaries.
One key benefit of an irrevocable life insurance trust within a comprehensive estate plan is the provision of prompt liquidity to settle estate obligations, pay taxes, and support dependents without resorting to probate delays. The trust can be structured so that proceeds are available to trustees immediately upon claim, reducing the need for asset liquidation or court drawn-out processes. This enhanced liquidity preserves estate value and provides beneficiaries with timely resources for living expenses, education, or other immediate needs.
Placing a life insurance policy into a trust enables the grantor to specify distribution timing, conditions, and protections to prevent proceeds from being consumed or diverted improperly. Trust terms can delay full access, provide staggered distributions, or establish oversight for beneficiaries who may face unique circumstances. Additionally, the trust structure can offer layers of protection against certain creditor claims and help preserve benefits for heirs who may require ongoing management of funds, creating a stable framework for longer term wealth transfer and family support.
When transferring an existing policy into a trust, timing and accurate paperwork are critical to achieve the desired tax outcomes. Transfers made near the time of death can cause the policy to be included in the grantor’s estate, so it is important to plan well in advance and document the change in ownership with the insurer. Notify beneficiaries and trustees, and confirm that policy riders and beneficiary designations align with the trust terms. Proper coordination prevents administrative delays and preserves the intended benefits for heirs.
A trustee must be capable of managing policy administration, trust investments, tax filings, and beneficiary communications over time. Consider naming successor trustees and including guidance for trustee compensation and decision making to avoid disputes. If professional administration is desired, appointing a corporate trustee or co fiduciary arrangement can provide continuity and remove difficult administrative burdens from family members. Clear trustee duties and authority help preserve trust assets and ensure distributions follow the grantor’s intent.
Many families turn to an irrevocable life insurance trust to achieve specific planning goals such as reducing estate tax exposure, providing quick liquidity at death, protecting proceeds from probate, and ensuring controlled distribution to beneficiaries. In circumstances where heirs may have creditor concerns, spendthrift vulnerabilities, or special needs, the trust can provide added safeguards. The decision should be based on a comprehensive review of assets, future obligations, and the interplay with other documents like wills, revocable trusts, and powers of attorney to craft a cohesive plan.
Other considerations that make this service attractive include transferring wealth to the next generation in a tax aware manner, supporting charitable intentions, and ensuring business succession needs are met without unnecessary delays. The trust structure can be tailored to address unique family dynamics, provide for educational trusts, and create legacy distributions that support long term objectives. Proper planning and administration also reduce administrative friction and help trustees manage proceeds in line with the grantor’s wishes.
Typical circumstances include high net worth estates seeking to mitigate estate tax exposure, families with illiquid assets that require liquidity to settle estate matters, and individuals who wish to protect life insurance proceeds from probate or creditor claims. Additionally, clients with minor children, beneficiaries with special needs, or those planning significant charitable gifts often find that an irrevocable trust provides the structured framework needed to achieve those goals while preserving flexibility in distribution timing and trustee oversight.
In estates with significant assets, removing life insurance proceeds from the taxable estate can reduce estate tax obligations and preserve greater value for heirs. An irrevocable life insurance trust can be structured to hold the policy separately so that proceeds are distributed according to trust terms rather than passing through probate. Careful planning around gifting, timing of transfers, and valuation rules is necessary to ensure the intended tax treatment and to avoid inadvertent inclusion of the proceeds in estate calculations.
When estates include illiquid assets such as real property or closely held businesses, immediate cash may be needed to pay debts, taxes, and administrative expenses. An irrevocable life insurance trust can provide predictable funds available to trustees to settle these obligations without forced asset sales. This liquidity helps maintain the value of estate assets for beneficiaries and can prevent disruptions to ongoing family businesses or the need to sell property under unfavorable conditions.
If beneficiaries have special needs, limited financial experience, or exposure to creditor claims, a trust can establish safeguards to preserve their inheritance. Trust terms can provide for managed distributions, professional management, or conditional payouts that align with care plans and public benefits. Ensuring that proceeds are not directly accessible in ways that would jeopardize government benefits or expose funds to creditors is a common motivation for using an irrevocable life insurance trust.
The Law Offices of Robert P. Bergman provides guidance to Bodfish residents seeking to evaluate life insurance trust options within their estate plans. We assist with drafting trust instruments, coordinating transfers of existing policies, preparing funding strategies, and advising trustees on administrative duties. Whether you are planning for family protection, tax considerations, or legacy giving, our team helps clarify legal choices and implements documents that reflect your goals while complying with California law and administrative requirements.
Clients work with the firm because we provide personalized attention to estate planning needs and focus on clear communication throughout the process. We take time to understand family circumstances, financial goals, and any special issues that affect planning decisions. Our drafting emphasizes practical terms that trustees can administer and that minimize potential disputes. We coordinate with insurance carriers and financial advisors to implement transfers and funding mechanisms efficiently and with an eye toward long term plan durability.
Our practice supports clients through every stage of trust creation and administration, from initial strategy sessions through execution and funding of the trust. We prepare the necessary trust documents, beneficiary notices, and trustee appointment paperwork to facilitate seamless transitions. When trustees need guidance, we advise on fiduciary duties, tax reporting, and claim procedures so that trust administration proceeds in accordance with the trust instrument and applicable law, reducing administrative burden on families.
We also help clients anticipate future changes by recommending provisions for successor trustees, amendment protocols where appropriate, and coordination with other estate planning documents such as wills, powers of attorney, and healthcare directives. This comprehensive perspective helps Bodfish clients build durable plans that address both immediate concerns and future contingencies, supporting orderly transfer of assets and protection of family interests over time.
Our process begins with a confidential consultation to review your assets, family dynamics, and planning objectives. We assess whether an irrevocable life insurance trust fits your goals and explain the legal and tax ramifications of different ownership options. Following agreement on a strategy, we draft tailored trust documents, coordinate policy transfers or applications, and confirm funding mechanisms to support premium payments. Finally, we deliver executed documents, provide trustee guidance, and remain available for ongoing administration questions or future plan updates.
The first step is a thorough intake meeting to gather financial information, beneficiary considerations, and any existing estate plan documents. We discuss the reasons you are considering a trust, whether to fund with an existing policy or obtain a new one, and potential tax implications. This assessment helps identify the most appropriate structure, funding options, and timing so you can make informed decisions that reflect your priorities and circumstances.
During the review, we examine current life insurance ownership, beneficiary designations, wills, and trust documents to determine how an irrevocable trust would interact with your plan. We look for inconsistencies and potential pitfalls that could undermine the intended results, such as conflicting beneficiary designations or incomplete transfer forms. A careful document review helps prevent unintended estate inclusion and ensures that transfers proceed smoothly with proper documentation and insurer acknowledgement.
We explore funding methods such as gifting strategies to cover premiums, transferring an existing policy, or having the trust acquire a new policy. We discuss the implications of Crummey provisions, annual exclusion considerations, and whether other assets should be included to support the trust. This step ensures that the trust is funded in a sustainable manner and that all parties understand their roles and responsibilities for premium payments and trustee administration.
Once a plan is agreed upon, we prepare the irrevocable trust instrument, ancillary documents such as trustee acceptance forms and beneficiary notices, and any related agreements with insurers or financial institutions. We review the draft with you to confirm that distribution provisions, trustee powers, and funding instructions match your objectives. After execution, we help facilitate transfers of ownership, register the trust with necessary parties, and provide copies to trustees and relevant advisors.
We draft clear and enforceable trust provisions that authorize trustees to manage the policy, accept gifts, pay premiums, and make distributions. Trustee instructions outline necessary administrative steps, timing, and documentation to maintain the policy and preserve tax treatment. Providing thorough instructions reduces administrative friction and helps trustees carry out duties confidently when claims arise or when investment decisions are required.
We coordinate with insurance carriers to effect ownership changes or to arrange for a trust to be the applicant and owner of a new policy. This includes completing transfer forms, verifying beneficiary designations, and confirming any required consent or acknowledgement from the insurer. We also work with banks or investment custodians if assets are being moved to the trust to ensure funding is properly executed and documented to support the trust’s ongoing obligations.
After the trust is funded and policies are in place, we provide guidance to trustees on their administrative responsibilities, including recordkeeping, premium payment procedures, and trust tax filing requirements. We remain available to assist with claims at the time of death, to address trustee questions about distributions, and to update trust provisions as law or family circumstances change. Ongoing support helps maintain the intended benefits of the trust and reduces the administrative burden on family members.
We advise trustees on best practices for maintaining trust records, tracking premium payments, and documenting distributions to beneficiaries. Proper recordkeeping supports transparency and compliance with tax reporting obligations and helps prevent disputes. Clear guidance on communication with beneficiaries and procedures for claim submission streamlines administration and ensures that trustees can fulfill their obligations efficiently when the need arises.
When a claim arises, we assist trustees with presenting the policy to the insurer, understanding required documentation, and directing distributions in accordance with trust terms. Our support can include coordinating with beneficiaries, preparing necessary trust certifications, and advising on tax reporting related to proceeds. Timely and organized assistance reduces delays and helps trustees manage distributions in a manner that honors the grantor’s instructions while meeting administrative and legal requirements.
An irrevocable life insurance trust is a legal arrangement that owns and controls a life insurance policy for the benefit of designated beneficiaries. The grantor transfers ownership into the trust, which then holds the policy and receives the proceeds at the insured person’s death. Because the trust owns the policy, proceeds can pass according to the trust terms rather than through probate, which can expedite access to funds and provide structured distributions. The trustee administers the trust, files any necessary tax forms, and follows distribution and investment instructions laid out in the trust document. The trust operates under rules set in the trust instrument, which typically include trustee powers, beneficiary designations, funding mechanisms, and provisions to preserve intended tax treatment. Creating the trust requires careful documentation of the transfer and coordination with the insurer to change ownership. Timing and proper funding are important to avoid unintended estate inclusion, and trustees must maintain records and follow procedures to protect the trust’s intended benefits.
Transferring a life insurance policy into a trust generally changes who legally owns the policy, but beneficiaries under the trust will receive proceeds according to the trust terms. It is important to align beneficiary designations on the policy, if any, with the trust to avoid conflicts that might cause unintended distributions or probate involvement. The trust can set conditions for distributions, such as staggered payments or trustee discretion, to manage how beneficiaries receive proceeds and to address specific family circumstances. Policyholders should review how beneficiary rights and trust distribution terms interact with retirement accounts, wills, and other beneficiary designations to avoid contradictions. Clear drafting and coordination ensure that the grantor’s intentions are followed and that trustees can administer proceeds without disputes. Notifying beneficiaries and providing trustees with necessary documentation helps streamline future administration.
Funding an irrevocable life insurance trust commonly involves making annual gifts to the trust so the trustee can pay policy premiums. To make these gifts qualify for the annual gift tax exclusion, trusts often include withdrawal notice powers for beneficiaries for a short limited period. This mechanism allows gifts to be treated as present interest gifts when beneficiaries have temporary withdrawal rights, while the trust can still retain funds for premium payments after the notice period expires. Properly administering these gifting arrangements requires sending timely notices to beneficiaries and documenting withdrawals or waivers as required. Advisors and trustees must follow formal notice procedures and maintain records to support exclusion claims. This careful administration ensures that funding remains sustainable and that the trust continues to meet premium obligations without incurring unintended tax consequences.
Timing matters when transferring a policy into an irrevocable trust because transfers made shortly before the insured person’s death may be included in the estate for tax purposes. To reduce the risk of estate inclusion, planning should occur well in advance of any expected need for proceeds. If a transfer is recent, additional planning steps or alternative funding strategies may be required to achieve desired results, and each situation must be evaluated to understand the applicable look back rules and exceptions. Clients should also consider the insurer’s procedures for ownership changes, potential policy underwriting requirements if a new policy is purchased by the trust, and any restrictions on assignments or transfers. Early coordination with advisors and the insurance company makes it easier to implement the transfer smoothly and avoid administrative problems that could jeopardize the intended benefits.
An irrevocable life insurance trust can provide protections that reduce the likelihood of proceeds passing through probate and, depending on structure and timing, can limit exposure to certain creditor claims. Because the trust owns the policy and distributes proceeds according to written terms, funds can be shielded from immediate attachment by heirs’ creditors in many circumstances. Trust terms may include spendthrift language that restricts beneficiary access and provides additional protection for distributions. However, protection depends on timing, applicable law, and the specific claims at issue. Certain creditor claims or public benefit considerations may still affect distributions, and different jurisdictions have different rules. It is important to tailor trust provisions carefully and to consider the grantor’s and beneficiaries’ creditor exposure when designing the trust to maximize protective benefits.
A trustee should be a person or institution who is reliable, organized, and willing to take on administrative responsibilities such as paying premiums, maintaining records, communicating with beneficiaries, and filing tax returns. Many clients select a trusted family member, friend, or professional fiduciary and may name a successor trustee to ensure continuity. Trustees must act in accordance with the trust terms and applicable law, making prudent decisions about investments and distributions while documenting actions to support transparency and accountability. Trustees can also rely on professional advisors for investment, tax, and insurance matters, and the trust document can authorize compensation to compensate trustees for their services. Selecting a trustee involves balancing trust administration skills, impartiality, geographic considerations, and the ability to commit time to the role, all of which influence long term trust performance and beneficiary satisfaction.
Crummey withdrawal powers allow beneficiaries a short period to withdraw gifts made to the trust, which can qualify those gifts for the annual gift tax exclusion as present interest gifts. These powers are commonly used in funding arrangements for trusts that will pay life insurance premiums. To be effective, beneficiaries must be notified of their withdrawal rights and the trust must provide a realistic opportunity to exercise them before the right lapses, with proper recordkeeping to support the treatment for tax purposes. The practical administration of Crummey provisions requires sending timely written notices to beneficiaries and documenting any withdrawals or waivers. Proper drafting and consistent practice are essential to maintain the intended tax treatment and avoid disputes or challenges. Advisors should coordinate gifting strategies with the trustee and keep thorough records to support annual exclusion claims and to demonstrate compliance with notice requirements.
When the insured person dies, the trustee files a claim with the life insurance carrier and provides required trust documentation to receive the death benefit. Once proceeds are received, the trustee distributes funds according to the trust terms, which may include immediate payments, staggered distributions, or retained trust assets for management on behalf of beneficiaries. The trust instrument should clearly state how proceeds are to be handled and any conditions or timing for distributions to ensure smooth administration and to minimize disputes among heirs. Trustees are also responsible for any tax reporting obligations associated with the trust and may need to coordinate with beneficiaries and advisors about tax consequences of distributions. Proper trust drafting that anticipates common scenarios and provides clear guidance for trustees helps speed the claims process and ensures that proceeds are used as intended to support family needs and estate obligations.
Coordinating an irrevocable life insurance trust with other estate planning documents involves reviewing wills, revocable trusts, beneficiary designations on retirement accounts and policies, and powers of attorney and health care directives. The goal is to ensure that trust ownership and beneficiary instructions are consistent and that documents do not unintentionally override one another. For example, a will that names a beneficiary for certain assets should be reconciled with trust terms so that distributions occur as intended without conflicting claims or probate involvement. Periodic reviews are recommended to account for changes such as marriage, divorce, births, deaths, or significant changes in asset values. Keeping all documents updated and communicating with trustees and other advisors helps preserve plan integrity. Coordination with financial and tax professionals ensures funding strategies align with broader financial goals and that trustees have the necessary documentation to administer the trust effectively.
The cost to create and maintain an irrevocable life insurance trust varies based on factors such as the complexity of the trust terms, whether advisors coordinate transfers of existing policies or obtain new coverage, and the level of administrative support required. Initial drafting and execution fees cover legal counsel to prepare the trust, coordinate with insurers, and advise on funding strategies. Ongoing costs may include trustee compensation, filing fees, tax return preparation, and possible investment management expenses if trust assets are invested. Because costs differ by situation, we provide transparent estimates after an initial consultation to outline likely fees for document preparation, funding assistance, and trustee guidance. Considering the potential benefits in terms of tax savings, probate avoidance, and beneficiary protection, many clients find that creating and maintaining the trust is a cost effective component of a broader estate plan tailored to their goals.
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