An Irrevocable Living Trust is a legal arrangement where you (the grantor) permanently transfer ownership of assets into a trust. Once established, the trust cannot be altered, amended, or revoked without the consent of the beneficiaries or by court order.
Unlike a revocable trust, where you retain control and can modify terms freely, an irrevocable trust locks in your wishes and provides strong legal protection. The assets you place in an irrevocable trust are no longer considered part of your estate for tax and creditor purposes, offering unique advantages for long-term planning.
At OMNI 360 Advisors, we help you structure irrevocable trusts to maximize these benefits while maintaining flexibility where it matters most.
Setting up an irrevocable living trust can offer a variety of significant advantages, including:
With OMNI 360 Advisors, you can create an irrevocable trust that meets your needs today while providing peace of mind for tomorrow.
There are several different types of irrevocable living trusts, each designed for specific goals. Our advisors work with you to identify the right trust structure based on your unique circumstances. Some common types include:
An ILIT removes life insurance proceeds from your taxable estate, ensuring that your beneficiaries receive the full value of your policy without unnecessary estate taxes. The trust owns the policy, and proceeds are distributed according to the trust’s terms.
These trusts help seniors preserve assets while planning for future Medicaid eligibility. By transferring ownership of assets into a MAPT well before applying for benefits, you can ensure access to long-term care without losing your life’s savings.
A CRT allows you to donate assets to a charity while retaining an income stream during your lifetime. After your death, the remaining assets go to the designated charity, offering both philanthropic impact and tax advantages.
If you have a loved one with a disability, a special needs trust ensures they receive financial support without jeopardizing eligibility for government assistance programs like SSI or Medicaid.
At OMNI 360 Advisors, we customize trust solutions based on your family structure, asset portfolio, and long-term goals.
Establishing an irrevocable trust involves several key steps:
At OMNI 360 Advisors, we guide you through each step, ensuring that your trust is properly established and effectively maintained.
An irrevocable living trust can be beneficial for:
If you have substantial assets, complex family dynamics, or specific concerns about taxation and asset distribution, an irrevocable trust may be a critical part of your financial and estate planning strategy.
Choosing an irrevocable living trust provides a range of benefits:
OMNI 360 Advisors ensures that every trust is structured to maximize these benefits while fitting seamlessly into your overall financial plan.
At OMNI 360 Advisors, we bring a multidisciplinary approach to irrevocable trust planning:
When you work with OMNI 360 Advisors, you gain more than legal documents; you gain peace of mind.
Planning for the future means taking action today. An irrevocable living trust can protect your assets, support your loved ones, and secure your legacy for generations to come. Let OMNI 360 Advisors help you create a personalized plan that reflects your wishes and safeguards your hard work.
Contact us today at (609) 452-0889 for a confidential consultation and discover how an irrevocable trust could become a cornerstone of your estate and financial strategy.
Protect what matters most — with trusted guidance from OMNI 360 Advisors.
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