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by @finance.with.prayag

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a month ago

Not everything belongs in your trust. 🏔️☕

A revocable living trust is one of the best tools for keeping your estate out of probate — but putting everything in it can actually backfire.

Retirement accounts like 401(k)s and IRAs pass by beneficiary designation, not through your trust — retitling them can trigger a taxable event. Life insurance depends entirely on how the policy and beneficiaries are set up. And things like your everyday car, HSA, or Social Security simply don't belong there.

Meanwhile, real estate, business interests, brokerage accounts, and valuables often do — that's where a trust earns its keep.

The wealthy don't just have a trust. They have a plan for what goes in it and what stays out.

Not sure where your assets should sit? Let's map it out together. Link in bio to book a free estate planning review. 📅

Educational content only — not legal or tax advice. Consult a qualified attorney or tax professional for your situation.

#EstatePlanning #LivingTrust #RevocableTrust #WealthPlanning #FinancialPlanning #RetirementPlanning #LegacyPlanning #GenerationalWealth #FinancialAdvisor #LifeInsurance #TaxPlanning #MoneyTips #Florida #FinancialLiteracy by @finance.with.prayag

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a month ago