A revocable living trust is a trust established during your lifetime, with an agreement specifying that you reserve the right to make changes or dissolve the trust at any time. A revocable living trust allows you to set aside assets that will pass directly to a beneficiary or beneficiaries in the event of your death, avoiding the delay and expense of probate.

You can transfer as much property or assets as you want to the trust without owing any gift tax. However, you still must pay income taxes on revenue generated by the trust; when you die, the assets in the trust are part of your estate for estate tax purposes.

Revocable living trusts also provide confidentiality. If you have a will in place, it will go through the probate system and its contents will be a matter of public record. Property held in trust is not subject to the probate process at your death. Trust contents remain confidential and provide the ability to manage assets for beneficiaries such as minors or others who aren’t able to do so on their own.

A revocable living trust managed by Associated Trust Company puts the expertise of our in-house investment personnel to work for you. Because every investor has different goals, we are careful to treat every trust separately. As your needs change, we can redesign your investment strategy accordingly.

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The trust and investment services described are provided by Associated Trust Company, NA. Investment management services are provided to Associated Trust Company by Associated Investment Management, LLC. All are affiliates of Associated Banc-Corp.

Investment products are not FDIC insured, may lose value, and have no bank guarantee.