Building lifelong relationships with our members to help them achieve their financial goals.

Summer 2012 - Vol. 6, No. 3

Travis Credit Union - Home

Travis Financial Services
Trusts provide peace-of-mind

Have you ever considered what would happen to your financial assets if you could no longer manage them yourself?

Do you want your money and property to be distributed in a certain way?

Are you worried about who would carry out these wishes in your absence?


Having a financial plan in place to take over when you can't is a smart way to gain the peace of mind you need. Such plans are commonly carried out through the use of a trust, which provides you with a safe and accountable way to manage your property and to direct their use based on your goals, objectives and wishes.

What is a trust? Simply put, a trust is a legal document that contains your instructions for the management of your property. A trust gives you assurance and comfort knowing you've got a plan in place for how you'd like your assets managed throughout the different stages of your life. For example, a trust can provide an orderly way to administer your personal and financial affairs if you become incapacitated or pass away. It can provide financial support for a relative or serve as a tax-advantaged charitable gift. A trust may also protect your assets from creditors and from exposure to estate tax liability and probate costs.

There are several types of trusts available Living Trusts (also known as Revocable Trusts) allow you to remain as both the trustee and beneficiary while you're alive. This allows you to keep control of all your assets and to continue to receive all of

your income and benefits. Upon your death, a designated successor trustee will carry out the wishes outlined in the trust. Another type of trust is a Survivor's Trust. This type of trust, known generally as a form of common trust, provides for a surviving spouse, domestic partner or other loved one. Other types of trusts include irrevocable, charitable, special needs, life insurance, custodial, private foundation and guardianships trusts.

How to get started on your trust If you're interested in learning more about trusts, please make an appointment for a free consultation with a financial consultant from Travis Financial Services (TFS), who can help determine whether a trust may be right for you. You'll need to work with your attorney to draft your trust document. Your financial consultant can then set up a trust account at LPL Financial and transfer the appropriate assets into it.

TFS offers access to investment and insurance products through LPL Financial, which has more than 4,500 branch offices nationwide. Our experienced financial consultants can help with your trust and investment needs at all TCU branches. Schedule a free consultation today to discuss creating your trust account!

Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Travis Credit Union and Travis Financial Services are not registered brokers/dealers and are not affiliated with LPL Financial. Investment Products Are:

Not NCUA Insured

No Credit Union Guarantee

May Lose Value

Trust Services from LPL Financial

As the nation's leading independent broker/dealer*, LPL Financial serves the independent financial consultant with the highest quality support services available.

Through The Private Trust Company, N.A., a wholly owned subsidiary of LPL Holdings, LPL Financial has the ability to deliver fully integrated administrative trust services to you in a seamless manner, while maintaining your relationship with your trusted financial consultant.

*Based on total revenues, as reported in Financial Planning magazine, June 1996-2007

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Federally insured by NCUA.
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