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Personal Finance (Not Investing) • Estate Planning - Irrevocable Trust

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... Since it is likely that my son might do withdrawals only on rare occasions and would probably leave most of it to future grand kids, being a beneficiary along with future grand kids can we setup so that he will need a co-trustee to sign off only when he is withdrawing for himself and not needed when withdrawing for grand kids. He can temporarily setup a co-trustee only when he needs to withdraw and not all the time. Would that be safe from an asset protection standpoint?
You can set it up so your son may unilaterally make distributions to his issue. Most of our Wills and trusts give the primary beneficiary a broad power of appointment (after reaching a specified age) which allows him/her to appoint trust assets to his/her issue (or to anyone except himself/herself or his/her estate or creditors).

I've never toggled co-trustees and have no comment as to that. My preference is a co-trustee from the inception. However, where clients wanted it, I've sometimes provided for the primary benefciary to be the sole trustee with the power to add a co-trustee.

Statistics: Posted by bsteiner — Sat Sep 13, 2025 12:02 pm — Replies 39 — Views 3173



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