If you are among the majority of those concerned about protecting your hard-earned assets, you might consider setting up a Living Trust.

A Living Trust is a legal document stating your instructions for the management of all or part of your property. A trust:

•	Provides an orderly means of administering your personal and financial affairs upon incapacity or death
•	Helps you manage your estate tax exposure, and avoid probate costs
•	Keeps your financial affairs private

A Successor Trustee is the entity that assumes the role of managing and distributing the assets in the trust, as expressed in your Trust document at your incapacity or death. Many people choose a trusted family member or friend as Successor Trustee.

When estates are very large, hard to manage, or a family member or friend is not available, willing or capable of carrying out the instructions of your Trust, you might choose a professional Trustee such as The Private Trust Company.

The Private Trust Company has experienced and knowledgeable Trust officers with backgrounds in law, accounting, banking, investment management, tax and business. They operate with objective family sensitivities so that your assets are managed according to your instructions and not those of your beneficiaries. Our KWB Wealth Managers have years of experience in the area of Trust establishment and management. They can assist you with everything from naming a Successor Trustee that will best carry out your instructions, to creating and maintaining a Trust which will successfully carry on your legacy long after you are gone.

If you would like more information about Living Trusts, please contact your personal KWB Wealth Manager.

For additional information about Trusts and the various types of offered by The Private Trust Company, please visit www.theprivatetrustcompany.com

KWB Wealth Management representatives offer access to Trust Services through The Private Trust Company, N.A., an affiliate of Linsco/Private Ledger Corp.