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How Trust Services Benefit You

Guidance

Expertise and Experience

Our Private Client Wealth Management Advisors offer knowledge and support throughout the process.

Working Together

We’re passionate about ensuring your success and work with your trusted team to create a plan that focuses on your future.

Simple and Straightforward

Creating a trust can be cumbersome, so we explain everything in a way that’s easy to understand.

Tailored to You1

Designed to meet your needs and offer you advantages2.

Asset Distribution

As trustees, we make sure assets go to the people you’ve chosen in an orderly manner.

Asset Management

Asset management for inexperienced, incapacitated, or minor beneficiaries.

Range of Trusts

On- and offshore, life insurance, revocable, irrevocable, testamentary, grantor, living, and other trust types.

Your Questions Regarding Trust Services

A trust is a relationship between the creator of the trust (the settlor); the person, institution, or corporate trustee in charge of managing the trust (the trustee); and one or more beneficiaries. The settlor transfers property to the trustee for the benefit of the beneficiaries and according to the trust agreement.

Property such as stocks, bonds, cash, mutual funds, life insurance policies, real estate, collectibles, and art are some of the assets that can be transferred into a trust. When transferring assets into a trust, it’s important to know if the trustee will be capable of managing the assets per the trust agreement.

Some examples are living trusts, life insurance trusts, irrevocable trusts, charitable trusts, dynasty trusts, and asset protection trusts.

Most people should consider setting up a trust, even if they don’t need it. It’s an exceptional way to control what happens to your estate, regardless of its size. Even people of moderate means may be subject to estate taxes, which could be significantly higher than income taxes. Trusts allow you to keep your affairs private since they are not subject to probate.

Trusts are legal mechanisms that provide a wide range of benefits catered to everyone’s asset and estate planning needs. There are many reasons to set up trusts such as managing and/or distributing assets upon your death or incapacity in the way that you envisioned and protecting the wealth you created from the beneficiaries’ creditors or from the beneficiaries themselves. Trusts are also a practical way to simplify the transfer of wealth upon death as it prevents assets held in trust from being subject to a probate process

In general, trust services fees are detailed in the trust document. Normally they are calculated on an annual basis, according to the level of responsibility assumed by the trustee. Fees can be charged quarterly or monthly, and a portion could be tax deductible.

Depending on the type of trust you seek to create, you should look for a trustee who has the expertise and capability to attend to its duties under the trust instrument. Capability not only refers to technical capabilities, which are very important, but also the possibility to carry out its duties for an extended period. Trustees are bound by the trust agreement and must always act in the best interest of the beneficiaries, therefore when trustees have certain discretion, they must do so impartially to avoid any conflicts of interest. This may happen if you designate a trustee who may be influenced by one of the beneficiaries or a third party. This could be avoided by choosing a corporate trustee, such as Amerant, who will most likely not be influenced by one of the beneficiaries or a third party and will loyally adhere to the trust agreement and its duties. Regarding capability, the management of the trust assets is very important and essential to reaching the goals you intended when creating the trust. Therefore, it’s recommended to seek corporate trustees who have wealth management divisions that in turn have access to in-house investment and assets management expertise and products.

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Customer information provided in order to set up this appointment will not be used to update any customer records and this information will only be used to service this appointment. NOTE: Investments offered through Amerant Investments, Inc.: Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value | Are Not Insured by Any Federal Government Agency | Are Not A Condition of Any Banking Activity.

Banking products and services provided by Amerant Bank, N.A., 220 Alhambra Circle, Coral Gables, FL 33134 @ 2023 Amerant Bank, N.A member FDIC Equal Housing Lender.

Available to Florida and Texas residents only.

1 Trust services offered through Amerant Bank, N.A. and are limited to trust administration.

2 Tax benefits vary and depend on many factors (such as residence or domicile of Settlor and its beneficiaries, governing jurisdiction of structure, geographic location of assets, etc.). Amerant Bank, N.A., its officers and representatives, are not a legal or tax advisers. We suggest consulting with an attorney or tax adviser about the consequences of any actions before making a decision.

Amerant Private Client services are subject to change and may be discontinued at any time without notice.

Amerant Investments, Inc. is an investment adviser registered with the United States Securities and Exchange Commission. Such registration does not imply that the Firm is recommended or approved by the United States government or any regulatory agency. Amerant Investments, Inc. may only transact business or render personalized investment advice in those states and international jurisdictions where it is registered, has notice filed, or is otherwise excluded or exempted from registration requirements. Amerant Investments, Inc. may not provide investment advisory services to any resident of states in which the Adviser is not registered. The purpose of this website is for information distribution only and should not be construed as an offer to buy or sell securities or to offer investment advice. Past results are no guarantee of future results and no representation is made that a client will or is likely to achieve results that are similar to those described. An investor should consider his or her investment objectives, risks, charges and expenses carefully before investing. Please refer to Amerant Investments, Inc.’s ADV Part 2 and firm brochure for additional information and risks.

Investments are Not FDIC or any other Government Agency Insured | Are Not Bank Guaranteed | May lose value

USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.