Which trust is right for you?


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The following is an overview of some of the different types of trusts we can help establish and manage. We also offer other types of trusts — our Trust Company representatives can describe these capabilities in more detail.

TYPE OF TRUST HOW IT WORKS REASONS TO CHOOSE THIS TRUST
Living Trust
  • Highly flexible estate planning tool that allows you to maintain maximum control
  • May shorten estate settlement time frame, avoid probate, and protect privacy
  • Consolidate assets in one place for ease of management
  • Can be structured to minimize estate taxes
  • Can free you from the responsibility of asset management
Irrevocable Trust
  • Cannot be modified or terminated
  • Provide ongoing support for you and your loved ones
  • Substantially reduce state and federal estate, gift, and income taxes
  • Provide asset management for you or your beneficiaries
Testamentary Trust
  • Revocable until death
  • Assets are subject to estate taxes
  • Provide ongoing support for you and your loved ones
  • Easily amended simply by changing the will
Irrevocable Life Insurance Trusts
  • Must be irrevocable to receive tax benefits — Grantor must relinquish control
  • Tax-free benefits go to surviving spouse and/or beneficiaries
  • Provides liquidity for estate taxes or other needs
Charitable Remainder Trust
  • Grantor transfers assets to a trust to benefit chosen charity
  • Trust pays out income to designated beneficiary (grantor or others) either for life or a period of years
  • On the death of the last income beneficiary, or at the end of the term, charity receives trust property
  • May reduce capital gains and estate taxes
  • Grantor receives a current charitable deduction for the computed value of the gift, if done during lifetime
Charitable Lead Trusts
  • Grantor transfers assets to a trust to benefit chosen charity
  • Trust pays out income to a designated charity for a specific time period
  • At the end of the trust term, specified beneficiaries receive the remaining trust property
  • May reduce capital gains and estate taxes
  • Grantor receives a current charitable deduction for the computed value of the gift, if done during lifetime

Ready to get started?

  • Call us at 800 927-3059, weekdays 8:00 a.m. to 7:00 p.m. ET.

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

TIAA-CREF Individual & Institutional Services, LLC, a registered investment advisor, provides investment advisory services. Trust services are provided by TIAA-CREF Trust Company, FSB.

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© 2014 and prior years, Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF), New York, NY 10017