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Living Trust Services

Much has been written about the Living Trust, which is a most efficient estate-planning device.  Unfortunately much of what has been presented has been slanted toward the point of view of the person making the presentation.  Here is what a Living Trust can do for you:

  • Provide significant estate tax savings
  • Avoid the Probate process
  • Provide privacy
  • Provide uninterrupted management of your assets
  • Make provisions for special circumstances
  • Be a strong affirmation of your intentions

A Living Trust is a legal arrangement in which you, the person creating the trust (sometimes called the "grantor") transfer money or other property to a trustee.  The trustee is given the responsibility of managing the property you transfer into the trust as dictated by the terms you set out in the trust document.  The trustee holds, administers and manages the property as you instruct for your benefit or the benefit of the person(s) you designate. When the term of the trust is over the trustee distributes the property to the person or entity you have designated.

A Living Trust is established during your lifetime and can either be "revocable" or "irrevocable". Both types of trusts enjoy the benefits outlined above. However, the "revocable" trust provides greater flexibility.

How Community Bank of San Joaquin Can Help
In your Living Trust document you direct how your property is to be managed and distributed. You also name the person or institution to manage the property placed in trust.

We ask that you consider naming us as your trustee.  You can depend on us to:

  • Use our professional investment resources to invest your assets based upon your objectives.
  • Supervise and monitor your assets and make changes whenever they are to your advantage.
  • Collect all the income due to your trust and apply it as you have directed.
  • Maintain an accurate and up to date record of the transactions of your trust, safeguard securities, collect income, vote proxies, and
  • Keep tax records so that you can easily file your income tax returns.

Why Use Community Bank of San Joaquin as Your Trustee?
 With Community Bank of San Joaquin you have the many years of experience of our trust and investment professionals to work for you.

  • We carefully review your investment objectives with you and establish an investment program to meet your needs.
  • We follow the instructions contained in your trust agreement.
  • We are available to answer any of your questions regarding investments and the administration of your trust agreement.
  • We make use of our investment resources to manage your assets using current information and technology.
  • You receive the benefit of our knowledge of taxation, trust laws and accounting.
  • Community Bank of San Joaquin will provide continuity and focus. Our Trust staff deals with the trust business as their primary responsibility.  We don't become distracted with competing personal matters.

For more information about how we can assist you in the establishment and administration of your Living Trust, please contact us by telephone, e-mail, or in person.

COMMUNITY BANK OF SAN JOAQUIN
Trust and Investment Services
22 West Yokuts Avenue
Stockton, CA 95207

(209) 955-8709

 

 

Privacy Policy

Products offered by Community Bank of San Joaquin Trust and Investment Services are:
          • Not insured by the FDIC;
          • Not deposits or other obligations of, or guaranteed by Community Bank of San Joaquin;
          • Are subject to investment risk, including possible loss of the principal amount invested.

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05-09-2005