Trust & Estate Services | MA CT VT NY RI Retirement

A trust is one of the most powerful and versatile tools in estate planning. Our experienced professionals deliver the highest degree of care in administering and managing financial trusts. They can help clarify objectives, put structures in place to help meet those objectives and act in good faith on behalf of all beneficiaries by keeping accurate records and handling proceedings with the utmost fairness and confidentiality.

Whether the goal is to create a plan to protect loved ones or to navigate the administrative duties of a trust or estate, our dedicated and knowledgeable team of experts can provide the guidance to simplify the process, avoid probate and provide the seamless support necessary for a smooth and efficient transfer of assets.

An estate plan is not just a document for distributing assets after death; it’s a full set of instructions for managing one’s affairs during life and after death and helps to minimize taxes, court costs and unnecessary legal fees. It’s a way to protect assets and ensure loved ones eventually receive those assets designated for them. A comprehensive estate plan can do the following:

Include instructions for care if one becomes disabled.
Name a guardian and an inheritance manager for minor children.
Provide for family members with special needs.
Provide for loved ones and family members of various ages.
Include life insurance, disability income insurance and long-term care insurance.
Minimize taxes, court costs, and unnecessary legal fees.
Provide for the transfer of a business at the time of retirement, disability, or death.

The essential components of an estate plan fall into two categories:

Incapacity and End of Life Planning

If an individual becomes temporarily or permanently unable to make decisions, a trusted person can act on their behalf without court intervention. A comprehensive plan would include:

Health Care Power of Attorney (Health Care Proxy) to communicate instructions for medical care and health-related decisions if one becomes disabled.
Durable Power of Attorney (POA) for management of financial affairs.
Living Will (Advance Directive) which outlines preferences for life-sustaining treatment in end of life situations.
HIPAA which provides authorized individuals the legal right to access protected

Includes documents and instructions for the ongoing management or transfer of assets (as well as a business if applicable) and final arrangements on death. Planning would encompass:

Last Will and Testament to provide for loved ones and those who may have special needs
Trusts (e.g., Revocable Living Trust, Irrevocable Trust etc.)
Beneficiary Designations (Primary and Contingent)
Guardianship Designations/Guardian for Minor Children
Letter of Instruction for Executor/Trustee

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Trust Administration & Estate Planning

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