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# Wealth Advisors Trust Company

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## Posts

- [Blog](https://wealthadvisorstrust.com/blog/)
- [Individual Trustees Don't Know What They Are Doing](https://wealthadvisorstrust.com/blog/individual-trustees-dont-know-what-they-are-doing/) - Being a trustee is a job with accountability and rules. The majority of individual trustees do not treat it as such. The following article was written by Keegan Randell, JD, at Sharpe Law Group in Dallas Texas and reposted with their permission. Individual Trustees don’t know what they are doing. Right now, about $4.5 trillion
- [An Advisors Primer on Directed and Delegated Trusts](https://wealthadvisorstrust.com/blog/advisors-primer-on-directed-and-delegated-trusts/) - Quickly and easily learn how to think and talk about directed and delegated trusts to enhance and expand the advisor/client relationship The 3 R’s for Advisors and Their Clients: Risk, Responsibility, and Rewards Trusts used to be simple: pick a trustee, hand them the assets, and let them handle everything. That world is gone. Today,
- [Turning Financial Market Turbulence into Strategic Opportunity: How Financial Advisors Can Use Global Disruption to Strengthen Their Practice](https://wealthadvisorstrust.com/blog/financial-advisor-estate-planning-strategies-market-volatility/) - Global disruption creates investor anxiety, but it also opens rare estate planning opportunities. Here is how you, as a financial advisor, can use market volatility to deliver proactive, value-driven trust and wealth transfer strategies that distinguish your practice.
- [State Tax Residency Planning for HNW & UHNW Families](https://wealthadvisorstrust.com/blog/state-tax-residency-planning-for-hnw-uhnw-families/) - A practical guide for advisors helping HNW and UHNW families evaluate state tax residency, trusts, entities, liquidity events, and documentation.
- [Clark vs. Rameker: SCOTUS Answers Key Trusteed IRA Questions | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/us-supreme-court-case-re-inforces-advantages-of-smartira/) - The Trusteed IRA rules and applications are clear. In June 2014, the US Supreme Court (SCOTUS) provided a decision on the case Clark v. Rameker. Financial advisors, estate attorneys and IRA owners have not known how to use this easy estate planning tool. Prior to Clark v. Rameker, many unanswered questions hung frustratingly about. Nobody
- [Are Your Wealth Management Clients Happy? | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/are-your-clients-happy/) - We all like to think we are the biggest and brightest stars in the wealth management universe, but the truth is, there is a lot of competition out there. Much focus is given to adding new clients. However, it is equally important to keep those hard won accounts. So, how happy are your clients? It
- [Come see us at Exhibitor Booth C this week in San Diego!](https://wealthadvisorstrust.com/blog/come-see-us-at-exhibitor-booth-c-this-week-in-san-diego/) - Wealth Advisors Trust Company looks forward to seeing you at the Commonwealth 2017 National Conference this week! Nobody likes dealing with a traditional rigid trust company, we get that. At Wealth Advisors Trust, we make trust administration painless and hassle-free. Visit us at our booth and learn how we can make your life easier! Believing
- [Are Millennials the best and toughest clients?](https://wealthadvisorstrust.com/blog/millennials-best-toughest-clients/) - Millennials will challenge you. This is a good thing. If you don't adapt to different generations, wants and needs, you have a fuzzy problem. Traditional companies have a hard time marketing to millennials and Gen Z-ers. In our opinion, we believe corporate America generally misses the mark on how to market and to service these
- [Tax Reform - Who Pays More? | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/tax-reform-who-pays-more/) - The recent tax reform proposal, introduced yesterday, has both some pretty big winners and losers. In the first place, the bill, Tax Cuts and Jobs Act, is 429 pages and surprisingly lean. Of course, this kicks off the negotiations with both sides of the aisle and special interest groups. Who loses more under the
- [Definitive Guide on Picking a Trustee | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/picking-a-trustee-4-easy-steps/) - In this blog post, I will walk you through the process step by step through picking a trustee with a few little surprises so you can choose the right one. Picking a trustee gets less attention than choosing your new smartphone. In the first place, it is not a fun process. You and/or maybe your
- [Client Focused Agency Trustee Services | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/agency-trustee-services-client-advisor-friendly/) - Creating a trust requires people to surrender control of that wealth to someone else. For those who worked hard for the money or simply withstood the temptation to spend every dollar, handing the assets over to the trustee represents a tremendous leap of faith. Agency trustee services solves that problem. Many soothe the emotional stress
- [Definitive Guide to Directed Trusts [Guide]](https://wealthadvisorstrust.com/blog/directed-trusts-made-simple/) - Most financial advisors and clients are well aware of what directed trusts can do for them — mainly, provide flexibility on management of trust assets. There is a lot of 'noise' about directed trusts and explaining the hows, whys, why nots etc. is important for all to know. The critical thing to keep in mind
- [Trusteed IRA | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/trusteed-ira-quiet-powerful-client-solution/) - A Trusteed IRA is a simple and powerful financial planning tool. To know the power of the Trusteed IRA, it's important to understand the IRA industry. The IRA market has grown substantially over recent years as the baby boomer generation prepares for retirement. With nearly 40.4% of all American households investing in at least one
- [Trust Distribution: Goals, Priorities & Purpose | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/trust-distribution/) - Trust distribution guidelines in the trust document create the foundation of success or failure. Parents and grandparents must consider how trust distribution definitions fall under the supporting or enabling type. Having some plan leads to a balanced outcome for current and future generations. Overview on Trust Distributions To plan for future trust distribution(s) through your
- [Top Five Things To Consider Before Establishing A Trust](https://wealthadvisorstrust.com/blog/trust-administration-checklist/) - What one does with their wealth is as personal as deciding what church to attend. There are several options for protecting your lifelong work or inheritance, passing assets to the future generations of your family, or simply securing what wealth exists to protect it from double taxation. 1 When considering these options and potential problems,
- [IUL vs Roth IRA; Which is best for your client? | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/iul-vs-roth-ira/) - This article is a repost of an article written by our friends at Advisors Resource Company in Coppell, TX. The article was previously available at this URL: http://advisors-resource.com/seven-ways-to-handle-unexpected-expenses-and-financial-emergencies/ “Six in 10 workers report they have less than $25,000 in total savings and investments; including 36 percent who have less than $1,000.”1 – Employee Benefit Research
- [Trust Administration, The Secret Sauce | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/trust-administration/) - Trust administration provides the key ingredient or secret sauce to any trust experience. In this blog, I will briefly go over the key pieces to great trust administration. As a co-founder of an advisor-friendly trust company, we understand the frustrations advisors and beneficiaries have with a bank trust departments. Let's start working through how trust
- [Trust Administration Fees Explanation [New Guide]](https://wealthadvisorstrust.com/blog/trust-administration-fees/) - In this blog, you'll learn about trust administration fees. You can control trustee fees around trust administration. Part of the answer centers on streamlining the trust document for trust administration. The other part rests on controlling how a trustee charges its fees. You have the power to use a corporate trustee on your terms —
- [Benefits to Knowing How to Use a Trust | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/knowing-use-trust-creates-big-benefits/) - A strong advisor-client relationship is important to understanding how to use a trust and getting the most benefits out of the financial framework. Wealth Advisors Trust has lifted the fog on trust services secrets and is helping its clients understand how to use a trust. Uniqueness isn’t usually a celebrated trait of a financial services
- [South Dakota trust law: Rated Top Location | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/south-dakota-trust-law-rated-top-location/) - South Dakota trust law focus on innovation and leadership continues yet again. Annually, Trusts & Estate Magazine reviews trust jurisdictions around the country. Furthermore, their objective measurements reviewed the following factors: (1) Rule Against Perpetuities (2) "21st Century" trust laws enacted such as decanting, directed trust, and privacy (3) Asset Protection levels (4) No State
- [South Dakota Trust Law Benefits: 5 Reasons They Make Sense For You [250+ Happy Clients Served]](https://wealthadvisorstrust.com/blog/south-dakota-trust-law-benefits/) - A marker of wealth is often the reluctance to talk about it. Don’t talk about it, be about it. The benefits of South Dakota trust law come from the obvious to the subtle. South Dakota trust benefits allow for exactly that. South Dakota’s lawmakers were wise beyond their years when they passed attractive trust
- [Creating Your Dynasty: Understanding South Dakota’s Dynasty Trusts](https://wealthadvisorstrust.com/blog/creating-your-dynasty-understanding-south-dakotas-dynasty-trusts/) - South Dakota’s dynastic trust laws allow every family to potentially become wealthy among the leagues of the ultra-rich. Why limit yourself to keeping up with the Jones when you can be the Jones? The attractive benefits of South Dakota dynastic trusts include the strength of preserving wealth for future generations, protecting those assets as they
- [Online Trust Distribution Requests | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/trust-distribution-requests-now-digital/) - Asking for money from a corporate trustee usually becomes an unhappy experience. It does not have to be. Everybody has stories about these situations. These trust distribution requests usually become complicated by corporate trustees. It does not have to happen. Why does it happen? This question goes back 400 years. It starts with a trustee's
- [How a Bank Trustee Must Understand Millennials](https://wealthadvisorstrust.com/blog/bank-trustee-understands-millennials/) - A bank trustee works with clients from the WWII to millennial generations. They generally each have a unique set of characteristics. Of course, no generation is the same. There are variances based on geographic, social, and economic factors. What makes millennials a somewhat unique group, at least since the WWII generation, are their lives experienced two
- [Advisors in Transition - 3 Easy Tips [Checklist]](https://wealthadvisorstrust.com/blog/advisor-in-transition-3-easy-tips/) - Advisors in transition have reached a pain point needing a solution. They want a natural and easy solution to solve that pain point. Examples of those pain points: Large wirehouses taking 50% or more of the revenue; stale RIA firms with no succession plan and/or a need for intellectual freedom in this new world; and
- [The Secure Act Affects Your Retirement Planning | Wealth Advisors](https://wealthadvisorstrust.com/blog/secure-act/) - What is the Secure Act? In 2019, the House of Representatives passed the Setting Every Community Up for Retirement Enhancement Act, known as the Secure Act. The purpose could help Americans save for retirement. Unfortunately, Individual Retirement Accounts (IRAs), 401(k)s, and Roth IRAs will have their value reduced. Waiting for Senate approval, the Secure Act
- [What is a Bank Trust Company? | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/bank-trust-company/) - A bank trust company is a corporation that acts as an agent, fiduciary, or trustee. It is a trust company within a bank. Almost every city has a bank trust company. Not all states have the same quality trust law. South Dakota trust law offers the most control and choice for everyone. Examples of a
- [Texas vs. South Dakota: Who Has Better Trust Law?](https://wealthadvisorstrust.com/blog/texas-vs-south-dakota-who-has-better-trust-law/) - Creating a trust is an important step in protecting assets and providing for future beneficiaries. A states trust law is just as important. Living in Texas offers an array of benefits and tax advantages. However, when it comes to trust law, Texas falls short in a few categories. This article will explain those differences. Perhaps
- [Financial Advisor Risks with Delegated & Directed Trusts | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/financial-advisor-risk-with-trusts/) - Any time someone takes on a fiduciary duty, there is risk involved. Financial advisors’ risk will very. Trust assets offer an opportunity for advisors to further assist their clients. Often, advisors will be asked to manage trust assets of a client or assist in the process of estate planning. The two main types of trusts
- [Trust Protector vs. Trustee](https://wealthadvisorstrust.com/blog/trust-protector-vs-trustee-1/) - Trust protectors are a result of evolving new developments in the trust industry. The role of a trust protector is still relatively new in modern day trusts. A big difference with a trust protector and a trustee is that a trust protectors’ role might not be specifically defined. Therefore, trust protectors are granted a wide
- [America's Advisor Friendly Trust Companies for 2020](https://wealthadvisorstrust.com/blog/americas-advisor-friendly-trust-companies-for-2020/) - In this post you are going to learn the secret sauce to picking a trustee and learn of America's most advisor friendly trust companies for 2020. Botton line - the best trust companies treat financial advisors like celebrities. This post also includes lots of: Infographics Ideas for asking the best interview questions Innovation trends within
- [Washington vs South Dakota trust law](https://wealthadvisorstrust.com/blog/washington-vs-south-dakota/) - Perhaps you are a Washington resident and the thought of using an outside fiduciary is unappealing. Using an outside fiduciary can offer a risk, but also considerable benefits. Creating a trust is an important step in protecting assets and providing for future beneficiaries. Learn the difference of how Washington compares to trust havens like South
- [What is a trust?](https://wealthadvisorstrust.com/blog/what-is-a-trust/) - What is a trust? A trust is a legal entity to which an individual titles property and assets for the benefit of another. Every trust contains a grantor, family trustee, and beneficiary. There are many different types of trusts to choose from. However, it is important to understand what your goals are before creating one.
- [Biden tax plan & estate / trust planning election 2020 [New Guide]](https://wealthadvisorstrust.com/blog/biden-tax-plan-estate-trust-planning-election-2020/) - In this blog post you are going to learn ideas and suggestions to potentially limit the “hit” from Joe Biden’s tax plan. This post will include: Infographics Background information on the Biden tax plan and effects on estate / trust planning Ideas to limit or reduce effect of the Biden income tax policy The importance
- [Estate Planning for Millennials [New Guide]](https://wealthadvisorstrust.com/blog/estate-planning-for-millenials/) - This blog post addresses two audiences on estate planning for millennials: (1) financial advisors; and (2) millennials themselves. The information came from an August 2020 presentation Wealth Advisors Trust Company gave uber-successful Millennials wanting to learn the ABCs of estate planning in 15 minutes. Advisors will learn how to serve/prospect to millennials with a broader
- [Smarter faster financial advisor business plan - 5 tips [Checklist]](https://wealthadvisorstrust.com/blog/financial-advisor-business-plan-5-tips/) - This blog post will provide five simple financial advisor business plan ideas to serve clients faster and smarter around non-core items. This post will cover: Solid core competencies of financial advisors Non-core aspects of financial advisors service model Five simple tips for a financial advisor business plan for optimization Want more insights? Background on a
- [Are Irrevocable Life Insurance Trusts taxable? [Guide]](https://wealthadvisorstrust.com/blog/are-irrevocable-life-insurance-trusts-taxable/) - Are Irrevocable Life Insurance Trusts taxable - when and why? With a new presidential debate on the horizon, wealthy individuals are looking at every option available to shelter their assets. Depending on the election outcome, the estate tax exclusion amount of $11.58 million could be significantly reduced. This will cause a large estate to be
- [South Dakota trust law - 25 reasons ranked #1 [Checklist]](https://wealthadvisorstrust.com/blog/south-dakota-trust-law-25-reasons-ranked-1/) - This blog post will provide 25 reasons why South Dakota trust law ranks #1 in America. A leader in anything creates a naturally occurring set of healthy and repeatable habits. Being in the mid-west, South Dakota prizes freedom and innovation. And here are the 25 reasons.... South Dakota Trust Jurisdiction Benefits South Dakota Governor’s Trust
- [The Power of the Marital Deduction](https://wealthadvisorstrust.com/blog/the-power-of-the-marital-deduction/) - When a large amount of wealth is being transferred, it is essential to understand what taxes can occur. This blog will cover the importance of understanding the federal estate tax, the power of the marital deduction, and South Dakota's Special Spousal Trust. Understanding Estate Tax Unified Credit is a term used in estate planning. It
- [Private Trusts and Directed Trusts - South Dakota's hidden treasures](https://wealthadvisorstrust.com/blog/private-trusts-and-directed-trusts-south-dakotas-hidden-treasures/) - Most individuals want to maintain control even though they have placed assets in a trust. They are called a Private Trust. Making a trust private is one way to keep control; a directed trust is another. When an individual, known as a grantor, is creating a trust, they have two options. Directed trusts under South
- [Dallas-Fort Worth's Best Financial Planners (financial advisors) 2021](https://wealthadvisorstrust.com/blog/dallas-fort-worths-best-financial-planners-financial-advisors-2021/) - Everybody wants to know whom to choose for their financial planning needs. Finding a financial advisor best suited for your needs can be tricky. As a trust company created for wealth advisors, we celebrate success. D Magazine created the process for the peer-selected list of best financial planners in Dallas-Fort Worth. All selected winners have their
- [Treating financial advisors like celebrities](https://wealthadvisorstrust.com/blog/financial-advisor-celebrity/) - When it comes to describing trust administration, most people wouldn’t say what they do is “fun” or “disruptive.” But Wealth Advisors Trust Company does. And that’s a big reason why clients of this South Dakota-based company enjoy using their trustee services. Let’s face it. Trusts have been around for centuries. It’s an industry steeped in
- [Rethinking Growth Strategies for Financial Advisors](https://wealthadvisorstrust.com/blog/growth-stratetgy-financial-advisors/) - Let’s make this clear: The investment-only advisor is going the way of the dinosaur. The financial planning-centric financial advisor will be treated like a celebrity by their clients and by supporting vendors (e.g., friendly trustees). Allowing for a growing financial advisor practice. Yet, many advisors still weigh whether to pursue a prospect based solely on
- [Trust law - Open Architecture for Financial Advisors](https://wealthadvisorstrust.com/blog/open-architecture-financial-advisors-trust-law/) - Every advisor knows having a choice, or an open architecture platform allows them to make wise client choices. Normally financial advisors are focused on investment choices around open architecture platforms. But, it should also be linked to trust law or the state trust law best aligned for a client's needs today and for multi-generational planning.
- [Difficult clients - kids of great clients](https://wealthadvisorstrust.com/blog/difficult-clients-for-advisors-solutions/) - It’s a challenge every financial advisor faces at one time or another. Wonderful, wealthy couples who have been your most loyal clients pass away at a ripe old age. All the wealth they’ve accumulated is now transferred into a trust for the benefit of their children. Best case scenario: The kids know you very well
- [Advisor Friendly Trust Company Top Choice for 2020](https://wealthadvisorstrust.com/blog/advisor-friendly-trust-company-top-choice-for-2020/) - The team at the Wealth Advisor, the voice of the financial advisor community, based on technology, custodian neutrality, fees, in-house experts and advisor support selected Wealth Advisors Trust Company as a Top Choice for 2020 to provide advisor advisor friendly trust company services to financial advisors.
- [Podcast Appearance: Is Your Trustee Out of Touch?](https://wealthadvisorstrust.com/blog/podcast-appearance-is-your-trustee-out-of-touch/) - Christopher Holtby recently spoke with Kevin Kaylakie of SineCera Capital on the Uncorrelated Minds podcast. They discussed: Removal and appointment of Trustees Trust Law and the Trust Task Force in South Dakota 4 Reasons to choose South Dakota Trust Jurisdiction How do Directed Trusts and Delegated Trusts Work What to keep in mind when appointing
- [Silent Trusts for Legacy Planning: Do's and Don'ts](https://wealthadvisorstrust.com/blog/silent-trust-legacy-planning/) - Having money can offer flexibility and safeguards. The question to answer in this blog, for wealthy families, using silent trusts under South Dakota trust law is, when should children and/or grandchildren know about this inherited money? Partly today? All today? At the grantor's death? What are the behavioral issues? These answers and more will be
- [Types of Charitable Trusts](https://wealthadvisorstrust.com/blog/types-of-charitable-trusts/) - UTC§ 405 (a) (2000) – “A charitable trust may be created for the relief of poverty, the advancement of education or religion, the promotion of health, governmental or municipal purposes, or other purposes the achievement of which is beneficial to the community.” Charitable trusts are powerful tools used in order to generate income to grantors
- [What is a Fiduciary?](https://wealthadvisorstrust.com/blog/what-is-a-fiduciary/) - When individuals hear the word trustee, they often associate the word fiduciary along with it. However, most individuals do not understand what acting in a fiduciary capacity means. A fiduciary trustee is required to act in the highest statue of service, and a fiduciary is legally bound to put their clients best interests above their
- [Purpose of an Irrevocable Life Insurance Trusts – Where, When,and How](https://wealthadvisorstrust.com/blog/purpose-irrevocable-life-insurance-trusts-where-when-how/) - The purpose of the Irrevocable Life Insurance Trust Creating an estate plan can be as easy as 1-2-3 or as complex as the science to send a man to the moon. It all depends on the assets you have, what you are trying to protect, and what it is you want to accomplish. The purpose
- [Thanksgiving can cause a Trust Agreement change](https://wealthadvisorstrust.com/blog/thanksgiving-can-cause-a-trust-agreement-change/) - Thanksgiving is one of the best holidays of the year. It is a time for families to gather for a hefty meal and look back on all the things they have been thankful for. It is also a time that most estate planning attorneys say is a busy time of the year. Why is that?
- [Types of Trustee](https://wealthadvisorstrust.com/blog/types-of-trustee/) - There are different types of trustees. Over the next decade, trillions of dollars will be passed to future generations. Trusts have become a common strategy for estate planning. Naming the right trustee is crucially important. This should be a business decision, not an emotional one. The trustee has an array of responsibility and risks. Understanding
- [Definitive Guide on a Delegated or Directed Trust](https://wealthadvisorstrust.com/blog/delegated-or-directed-trust/) - Delegated trust or directed trust? Everyone wants to know the pros and cons of each. Directed trusts are newish (e.g. last 30 years). Delegated trusts have been around since the 1300's. Neither a delegated nor directed trust should be defined as good or bad. This article describes the key differences affecting a trust, whether using
- [What is an Independent Trust Company? | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/what-is-an-independent-trust-company/) - The Independent Trust Company model is evolving. A trust company manages, invests, and administers your trust assets. The services they're offering and the fees they’re charging are changing to meet demand. Trust company's are being forced to explore new avenues to innovate. These new factors are due to the 700 years of the stagnant types
- [Trustee Services Explained | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/trustee-services-explained/) - Trustee services are important to making sure your trust is administered correctly. It can be difficult to give up the control of your trust money to an outside company. The extra trustee fees gives people doubt. Often, individuals will hire friends or family members to serve as trustee for their trust. Sometimes this is a
- [Definitive Guide on Trust Law | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/trust-fund/) - Advisors have the option to use a trust fund company that does not compete against them. There will be an avalanche of asset transfers between generations over the next 30 years. This blog provides information on the past, present, and future of trust law and the trustee industry. This information will help advisors to make
- [Understanding South Dakota’s Dynasty Trusts | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/creating-your-dynasty-understanding-south-dakotas-dynasty-trusts-2/) - South Dakota’s dynastic trust laws allow every family to potentially become wealthy among the leagues of the ultra-rich. Why limit yourself to keeping up with the Jones when you can be the Jones? The attractive benefits of South Dakota dynastic trusts include the strength of preserving wealth for future generations, protecting those assets as they
- [Last Will & Testament | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/will-testament/) - A few days ago, I finished reviewing and approving my third Will & Testament. I have revised my Will three times — at 25, 42 and 50. It's just part of the normal process we all need to go through. We all have the same worries about taking care of our family. Reviewing a Will
- [Testamentary Trust and Mistakes You Should Avoid | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/testamentary-trust-mistakes-avoid/) - A testamentary trust is a legal trust that is created through precise instructions laid out in a deceased person’s Will. A testamentary trust is irrevocable and goes into effect at an individual's death. In other words, when this individual dies they will no longer be able to change the terms of their Will. However, a
- [Trust Administration Handbook | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/trust-administration-handbook/) - Preparing a Trust Administration Handbook for guidance as to the efficient handling of tax issues and long-term goals of the grantor can be the difference between financial success or destitution. The grantor’s wishes can dictate the trustee’s management, distribution, investment, and spending philosophy, and is a smart financial move, time worthy, and essential to
- [South Dakota, the new Switzerland: A Privacy & Tax Haven](https://wealthadvisorstrust.com/blog/south-dakota-us-tax-haven-privacy-new-switzerland/) - The best packages come in unassuming wrapping paper. South Dakota trust laws have the benefits of sealed privacy laws for trusts, no state income tax, no estate tax, asset protection and dynastic trusts features. Quick and to the point article of how the trust statutes of South Dakota. Click this link to read this article.
- [Winner Declared in South Dakota Best Trust Company Faceoff](https://wealthadvisorstrust.com/blog/winner-declared-in-south-dakota-trust-company-face-off/) - The best South Dakota trust company is not who you expect. It's not Citi or Guggenheim, and they're not “too big to fail” after an independent trust company beats them in the ranking of best client trustee service in South Dakota. At Wealth Advisors Trust Company, we're proud to be ranked #1 in trustee client
- [SmartIRA Allows Wealth Advisors Trust Company to Step Ahead](https://wealthadvisorstrust.com/blog/smartira-allows-wealth-advisors-trust-company-to-step-ahead/) - Wealth Advisors Trust Company was recognized by its peers and an independent magazine, PAM, as not only a leader in providing client focused trust services (e.g. SmartIRA) but also claiming the runner position as the second best trust company provider. See the attached article: http://thetrustadvisor.com/tag/smart-ira
- [The Secret Your Estate Planning Attorney Won't Tell You](https://wealthadvisorstrust.com/blog/the-secret-your-estate-planning-attorney-wont-tell-you/) - An interesting blog post was written from acclaimed writer Dan Solin in the Huffington Post. He discusses how attorney's do not always give clients and financial advisers information that they have choices on corporate trustee selection. It is an easy and efficient read. http://www.huffingtonpost.com/dan-solin/the-secret-your-estate-pl_b_642539.html
- [Podcast Appearance: The Wealth is in the Details](https://wealthadvisorstrust.com/blog/podcast-2022-south-dakot-trust-financial-advisors/) - Christopher Holtby was featured on “The Wealth Is In The Details” podcast with Peter Raskin. Key points included: What is a trust? Why do families establish trusts? What is a corporate trustee? South Dakota trust law Estate and trust planning resources that may be helpful Enjoy the show!
- [Understanding a Dynasty Trust under South Dakota trust law](https://wealthadvisorstrust.com/blog/dynastic-trust-south-dakota-trust-law/) - A dynasty trust is a powerful estate planning tool that allows families to preserve and transfer wealth across multiple generations while minimizing taxes. South Dakota trust law has become a popular jurisdiction for establishing dynasty trusts due to its favorable trust laws. In this blog post, we will explore the key features and benefits of
- [(2023) Navigating the World of Advisor-Friendly Trust Companies: A Comprehensive Guide](https://wealthadvisorstrust.com/blog/navigate-choose-advisor-friendly-trust-company/) - We did it again. Being nominated as a top advisor-friendly trust company. Offering white glove trustee services to advisors with the lowest ratio of trust officer to trust account is just part of the reason why. Navigating the world of trust services can be complex, but advisor-friendly trust companies are here to help. This blog
- [Directed Trusts and Incapacity Planning](https://wealthadvisorstrust.com/blog/directed-trust-incapacity-planning/) - In light of Bruce Willis's highlight of dementia, it makes sense for wealthy families to understand how to use directed trusts in a simple way under the South Dakota trust law to plan for current or future incapacitation planning. This blog will answer the questions of why, when with situational examples, and how with case
- [How to pick the best trust company (2022)](https://wealthadvisorstrust.com/blog/best-trust-companies/) - This blog will help financial advisors and/or their clients decide what is the best trust company for their situation. And how to pick that type of trustee. If you’re an advisor who wants to help your clients establish a trust, you may be asked to come up with a list of corporate trustees to consider.
- [Turning America's Economic Lemons into Lemonade](https://wealthadvisorstrust.com/blog/economic-lemons-lemonade-america/) - [Side note: Term paper submitted by Christopher Holtby for his Harvard 2022 Spring semester class.] Introduction to America's economic lemons and lemonade Unlike one's first Alcoholics Anonymous meeting, America remains mute, unable to admit or even discuss that critical economic problems exist. America's 1% believes everyone wants to take or control their money. The other
- [Keep It Personal - Old School Communication](https://wealthadvisorstrust.com/blog/keep-it-personal-old-school-communication/) - You are a successful advisor. Like any superstar athlete practicing the fundamentals, this article adds a few extra tools to keep your winning. I have ADD, so each section lists the device in the first sentence. Complex financial planning quarterbacked by financial advisors requires collaboration. The advisor may work with their client’s attorney, CPA, PnC,
- [Current and Future State of the US Economy](https://wealthadvisorstrust.com/blog/current-future-state-us-economcy/) - " But they nevertheless hate to miss a single minute of what is one helluva party. Therefore, the giddy participants all plan to leave just seconds before midnight. There's a problem, though: They are dancing in a room where the clocks have no hands." Warren Buffet The Reagan Economic Effect On Thursday, July 17, 1980,
- [$50 million - Goldilocks net worth amount?](https://wealthadvisorstrust.com/blog/50-million-goldilocks-net-worth-amount/) - I have no dog in this hunt arguing whether $50 million is or is not the Goldilocks net worth amount for you. What is the Goldilock’s net worth amount in America? It’s partly the money. This essay argues two issues: (1) why the optimal net worth amount equals $50 million, and (2) does a definition
- [2021 Winner Most Pioneering Trust Administration Company Award](https://wealthadvisorstrust.com/blog/2021-winner-most-pioneering-trust-administration-company-award/) - Making waves in the 700-year-old trustee industry since its founding, Wealth Advisors Trust Company (WATC) has proven that not abiding by the status quo can lead to a mountain of success. The New World Report 2021 Awards look at the results, and WATC was awarded the Most Pioneering Trust Administration Company - USA award.
- [Advisor Friendly Trust Company 2021](https://wealthadvisorstrust.com/blog/advisor-friendly-trust-company-2021/) - This post will cover the important of what an advisor-friendly trust company in 2021 means for financial advisors and their clients. The bottom line - the best trust companies treat financial advisors like celebrities. This post will include: Explanation of why trustee services are a commodity Ideas to reduce trustee fees for revocable and irrevocable
- [Client Service - A Mindset Not a Cheap Tagline](https://wealthadvisorstrust.com/blog/client-service-a-mindset-not-a-cheap-tagline/) - We are not your grandparents trust company. This blog will cover the history, evolution and simple approach about and on client service. As an advisor friendly trust company, we view client service as an evolution through successes and failures. Customers do not want to hear about excellent client service. They just want to experience it.
- [Foreign Grantor Trusts Increase Reputational Risk for South Dakota trust law](https://wealthadvisorstrust.com/blog/foreign-grantor-trusts-south-dakota-trust-law/) - This blog post outlines how foreign grantor trusts could increase the potential business and reputation risk for South Dakota trust law and trust companies. Potential clients should understand why and if they are comfortable accepting that potential risk. This blog covers the following: The international appeal of South Dakota trust law (heavy details but important)
- [Hybrid Domestic Asset Protect Trust (DAPT) - Escape Clause](https://wealthadvisorstrust.com/blog/hybrid-dapt/) - This blog describes how a Hybrid Domestic Asset Protection Trust (DAPT) works for grantors wanting an escape clause while taking advantage of their $11.7 million estate tax exemption (as of Jan 2021). This post will cover: History on Estate Tax Exemption History on Congress Changes to Income and Estate Taxes Traditional Irrevocable Trust Traditional Domestic
- [How Financial Advisors avoid losing control to Estate Attorneys [Tips]](https://wealthadvisorstrust.com/blog/checklist-for-financial-advisors-on-how-not-to-lose-control-to-an-estate-attorney/) - You are the financial thought leader and implementer for your clients. Working collaboratively with an estate trust attorney on your client estate legal issues can be daunting. Here are a few tips where you remain the financial thought leader when dealing with an estate attorney. Tip #1 - Lawyer training - Attorney's are trained/taught how
- [Changing a Life Insurance Trust](https://wealthadvisorstrust.com/blog/life-insurance-trust-termination/) - What is a Life insurance trust? A Life insurance trust holds a life insurance policy. At the death of the creator, it will pay out a death benefit. In order to receive the death benefit, the owner of the policy must pay a premium. A life insurance policy that is already previously held by the
- [Irrevocable Life Insurance Trust | What Does a Trustee Do?](https://wealthadvisorstrust.com/blog/irrevocable-life-insurance-trust-what-does-a-trustee-do/) - Trustees have an array of responsibility when executing an Irrevocable Life Insurance Trust (ILIT). Knowing how to choose the right Trustee to manage the ILIT will save a lot of frustration,time, and money. In order to make that decision easier, this article will highlight what a trustee is supposed to do. What is an ILIT?
- [Is It Time To Fire Your Trustee? | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/is-it-time-to-fire-a-trustee/) - Do you need to fire a trustee? Trustees control everything. If you are the beneficiary of a trust it is important for you to have easy access to your funds. Unfortunately, some trustees make it difficult for beneficiaries to access their funds. This can be the result of a number of issues. Depending on the
- [Easy Trustee Distributions | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/easy-trustee-distributions/) - The right trust document, paired with an easygoing beneficiary, creates easy trustee distributions. A trustee has two main responsibilities when administering a trust. The first is investment management and the second is distributions. The trustee follows whats outlined in the trust document. Every decision made is confirmed with the trust agreement. Also, the trust agreement
- [Delegated vs Directed Trusts - Changing a Trustee](https://wealthadvisorstrust.com/blog/delegated-vs-directed-trusts-changing-a-trustee/) - Delegated and Directed trust are the most common types of trusts. When deciding to make changes to a trust, for instance changing a trustee, depending on the type of trust this can sometimes be difficult. Understand that not all trust law is created equal. Depending on what state you reside in, changing a trust can
- [Do You Write Your Own Blog? | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/do-you-write-your-own-blog/) - Do you write your own blog? I do. Why? At my core, I am a geek/nerd who loves to learn, especially about why's and how's. Connecting the dots that are not obvious fascinates me. I always wanted to be a history professor. The Q&A below acts as a template anyone can ask themselves to start
- [Definitive Guide on Trustee Fees | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/cost-efficient-trustee-fees/) - Finding cost efficient trustee fees frustrates many people. Wealthy and affluent people find using trustee services daunting. Why? Nobody understands the process of how corporate trustee fees calculations. Nobody understands exactly what a trustee does. This 700 year old industry never had true external competition. No competition means no motivation for innovation. Until now... This
- [Kaestner vs North Carolina - US Supreme Court Trust Case](https://wealthadvisorstrust.com/blog/kaestner-vs-north-carolina-us-supreme-court-trust-case/) - In the US Supreme Court trust case of Kaestner vs. North Carolina the justices ruled 9-0 in favor of the taxpayer. This trust case gives everyone clear rules on taxation of trusts when different parties are in different states. In nearly a century no other trust case such as the Kaestner vs. North Carolina holds
- [Giving it all away - 3 lessons from David Green](https://wealthadvisorstrust.com/blog/giving-it-all-away-3-lessons-from-david-green/) - Wealthy families face difficult questions - giving it all away wisely. To quote the Notorious B.I.G., "I don't know what they want from me/It's like the more money we come across/The more problems we see." David Green provided a strong foundation to solve this issue. Any society throughout history gives different answers. What worked in
- [Top Choice for an Advisor Friendly Trust Company](https://wealthadvisorstrust.com/blog/advisor-friendly-trust-company-2019/) - The independent journalists at The Wealth Advisor, the voice of the financial advisor community, has selected Wealth Advisors Trust as one of their top choices for an advisor friendly trust company in 2019. The constant drum beat of change continues in the trust industry. The demands of financial advisors and their clients for independent trust
- [A south dakota trust company - 3 choices](https://wealthadvisorstrust.com/blog/a-south-dakota-trust-company-3-choices/) - A south dakota trust company has 3 trust company business models to offer. The traditional corporate trustee offered the choice with limited control for clients. Over the last 20 years, newer corporate trustees offer two additional trust company business models. Wealth Advisors Trust, a south dakota trust company, offers two corporate trustee solutions. These solutions
- [Directed Trust Statutes : The Ins and Outs](https://wealthadvisorstrust.com/blog/directed-trust-statutes/) - Directed trust statutes separates who manages the trust assets and who administers the trust assets. This rule gives everyone loads of flexibility for anyone using a trust under South Dakota trust laws. Not every state offers directed trust law. It allows a person to place her property—both investment and business assets—in trust for heirs as
- [How to Choose a Financial Planner | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/choose-financial-planner/) - There are two types of people in the world financially — (1) Those that spend first and save last, and (2) those that save first and spend last; If you’re the type of person who falls into the latter group, then it may be time for you to choose a financial planner. If you think
- [The Dirty Business of Asset Management | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/dirty-business-asset-management/) - The dirty business of asset management is an open secret. Asset management firms research, buy, and sell marketable securities. Financial planners and wealth management firms allocate investors money to asset management firms. Asset management firms, like BlackRock, grow revenue every year. Clients' must know more about the dirty business of asset management. Generally speaking, financial
- [Advisor Friendly Trust Company Top Pick | Wealth Advisors Trust](https://wealthadvisorstrust.com/blog/advisor-friendly-trust-company-2018/) - The Wealth Advisor, the voice of the financial advisor community, has announced Wealth Advisors Trust as one of their top picks for advisor-friendly trust companies for 2018. As the financial world lurches up and down, progress continues in the trust industry. With vision and an advisor focus, independent trust companies continue to unseat the traditional trust
- [New Fed Chairman Jerome Powell Answers To Trump or Us?](https://wealthadvisorstrust.com/blog/new-fed-chairman-jerome-powell/) - Monday, President Trump's nominee for the new Fed Chairman Jerome Powell exceeded expectations from investors. If confirmed, Jerome Powell replaces Janet Yellen as the new Federal Reserve Chairman. The markets expect a smooth path to Mr. Powell's nomination. The direction of interest rates, asset values, and financial regulation rest with new Fed Chairman Jerome Powell.
- [Kids That Code Will Get Fired | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/kids-code-will-get-fired/) - Kids that code do not have a sure-thing future. However, over the past 15 years, parents have really pushed their kids to learn how to code. Unfortunately, parents who believe coding is the future are driving through the rearview mirror and asking the wrong questions. To summarize, some parents believe coding skills will lead their
- [Nomination For Best Trust Company in America | Wealth Advisors Trust Company](https://wealthadvisorstrust.com/blog/nomination-3-for-3-years-best-trust-company-in-america/) - The Private Asset Management Awards, PAM Awards, recognize and reward those firms working in the financial industry who have successfully serviced high-net-worth individuals in an increasingly complex economic environment. Wealth Advisors Trust Company is the only trust company to be named a finalist for Best Trust Company in America for the past three years. In
- [Advisor vs Adviser - Google Ranks One Higher](https://wealthadvisorstrust.com/blog/advisor-vs-adviser/) - Recently, we had a silly dispute on our weekly marketing call, Advisor vs Adviser, that sent us down a rabbit hole. It started with an argument on whether or not our recent email had spelling errors. "Pretty sure its ER" "It says OR in the company name, it's OR" "Google says its ER" panic. This
- [What millennial clients are not telling you](https://wealthadvisorstrust.com/blog/biden-tax-plan-estate-trust-planning-election-2020-0/) - In this blog post you are going to learn ideas and suggestions to potentially limit the “hit” from Joe Biden’s tax plan. This post will include: Infographics Background information on the Biden tax plan and effects on estate / trust planning Ideas to limit or reduce effect of the Biden income tax policy The importance
- [Definitive Guide on Irrevocable Life Insurance Trusts](https://wealthadvisorstrust.com/blog/definitive-guide-on-irrevocable-life-insurance-trusts/) - Irrevocable Life Insurance Trusts (ILIT) are sought out tools used in estate planning practices to shelter an estate from paying high estate taxes. When someone chooses to include an irrevocable life insurance trust inside their estate plan, most of the time they want a clear understanding of what it actually is. In this article we

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## News

- [10 Biggest CD Mistakes You Could Be Making Now](https://wealthadvisorstrust.com/news/10-biggest-cd-mistakes-you-could-be-making-now/)
- [Tax Time Is Life and Annuity Trust Trap Time, Advisor Warns](https://wealthadvisorstrust.com/news/tax-time-is-life-and-annuity-trust-trap-time-advisor-warns/)
- [Summary Of Global Moves In Wealth Management – October 2025](https://wealthadvisorstrust.com/news/summary-of-global-moves-in-wealth-management-october-2025/)
- [Former Bank, Wealth Manager Senior Figure Becomes WATC Operating Chief](https://wealthadvisorstrust.com/news/former-bank-wealth-manager-senior-figure-becomes-watc-operating-chief/)
- [Former UBS Exec Named President, COO At Wealth Advisors Trust](https://wealthadvisorstrust.com/news/former-ubs-exec-named-president-coo-at-wealth-advisors-trust/)
- [Raising the Bar in Trust Planning: The Practices That Will Set Attorneys Apart in 2026](https://wealthadvisorstrust.com/news/raising-the-bar-in-trust-planning-the-practices-that-will-set-attorneys-apart-in-2026/)
- [Q&A with Jonathan Connolly, President & COO of Wealth Advisors Trust Company](https://wealthadvisorstrust.com/news/qa-with-jonathan-connolly-president-coo-of-wealth-advisors-trust-company/)
- [Wealth Advisors Trust Company Names Jonathan Connolly President and COO, Expands National Growth from South Dakota Headquarters](https://wealthadvisorstrust.com/news/wealth-advisors-trust-company-names-jonathan-connolly-president-and-coo-expands-national-growth-from-south-dakota-headquarters/)

## Newsletters

- [February 2025](https://wealthadvisorstrust.com/newsletters/february-2025/) - ...because You expect more. This Month's Harvest - Hidden Landmines in Your Clients’ Trusts— Are You at Risk? You've spent years building trust with your clients. But did you know a simple clause in their trust document could erase you from the picture the moment they pass? Most advisors don't see it coming. A well-meaning client may
- [March 2025](https://wealthadvisorstrust.com/newsletters/march-2025/) - ...because You expect more. This Month's Harvest - The Quiet Crisis in Estate Planning Your clients trust you to protect their wealth, but are you protecting their wishes? Many estate plans include hidden risks that can lead to family disputes, unexpected trustee decisions, and assets falling into the wrong hands. The Problem - Most clients hope their
- [April 2025](https://wealthadvisorstrust.com/newsletters/april-2025/) - ...because You expect more. This Month's Harvest - The Surprising Cost of Naming the Wrong Trustee Hello, You know how clients spend months—sometimes years—perfecting their estate plans. They choose the right structures, strategize around taxes, and carefully distribute wealth. But one decision can quietly undermine it all: who they name as trustee(s). The Issue - Many clients default to
- [May 2025](https://wealthadvisorstrust.com/newsletters/may-2025/) - ...because You expect more. This Month's Harvest : Trustee: A Tough Job Hiding Behind Good Intentions Every advisor has heard it before: "We're naming my brother" — or "Aunt Sue will handle it." It feels personal. Familiar. Safe. But here's the reality: fiduciary litigators will tell anyone who listens — when it's time for the trust
- [June 2025](https://wealthadvisorstrust.com/newsletters/june-2025/) - This Month's Harvest: Smart Moves for Smarter Trust Planning Did you know? Roughly 75% to 80% of clients still name a family member or friend as trustee when their trusts become irrevocable. However, as family structures become increasingly complex, particularly in blended families or multigenerational households, the risk of disputes and lawsuits rises dramatically. According
- [July 2025](https://wealthadvisorstrust.com/newsletters/july-2025/) - This Month's Harvest: Beyond Transactions: 7 Talks That Build Real Client Loyalty Clients don’t always know what to ask, but you do. As advisors, we know that the right question at the right moment can shift an entire relationship. Still, even the most seasoned professionals can appreciate a tool that helps spark those deeper, trust-building conversations.
- [August 2025](https://wealthadvisorstrust.com/newsletters/august-2025/) - This Month's Harvest: Simplifying the Conversation Around Generational Wealth Talking about money is one thing. Understanding a family's philosophy of wealth to build an enduring, actionable plan—well, that’s another. Yet, it's the best way to start the conversation about generational wealth. Sometimes, clients who’ve built their success from the ground up struggle to
- [September 2025](https://wealthadvisorstrust.com/newsletters/september-2025/) - This Month's Harvest: THE BBB OVERVIEW [ Advisors Edition ] Hello, skim this information once and you’ll know exactly which clients to call first. The new One Big Beautiful Bill is packed with tax, retirement, and estate planning changes. But let’s be honest—no one has time for a 20-page summary. The Harvest newsletter is designed
- [October 2025](https://wealthadvisorstrust.com/newsletters/october-2025/) - This Month's Harvest: TAX CONSIDERATIONS FOR CHARITABLE PLANNING IN 2025 [ Advisors Edition ] Now is the best time to consider charitable trust planning because significant changes in U.S. tax law are set to take effect starting in 2026, most notably through the “One Big Beautiful Bill” (OBBB) Act. By acting in 2025, donors and
- [November 2025](https://wealthadvisorstrust.com/newsletters/november-2025/) - This Month's Harvest: Tax Benefits of Creating a Charitable Trust in South Dakota Many people are inclined to use their assets to help leave the world a better place when they die. Some folks want to leave behind a philanthropic legacy. Others just want to use the money that they will no longer need
- [January 2026](https://wealthadvisorstrust.com/newsletters/january-2026/) - This Month's Harvest: How Advisors Can Position Spousal Lifetime Access Trusts (SLATs) to Married Couples A spousal lifetime access trust (SLAT) can be positioned to married couples to “use” today’s elevated estate and gift tax exemption while keeping an income and emergency access lifeline through the beneficiary spouse. Advisors can frame SLATs as a
- [December 2025](https://wealthadvisorstrust.com/newsletters/december-2025/) - This Month's Harvest: Partnership Through Collaboration: Wealth Advisors Trust Company and Advisors At Wealth Advisors Trust Company, we work every day alongside financial advisors who guide families through some of their most consequential wealth decisions. One of the most impactful — and often emotional — choices in estate planning is selecting a trustee. While families

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