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Irrevocable trust attorney

Life Insurance Trust & Irrevocable Trust Lawyers in Phoenix

Safeguard your legacy with guidance from our irrevocable trust Arizona attorneys. The Law Offices of Brandon White, located in Gilbert, are skilled in life insurance and irrevocable trusts for comprehensive estate planning.

Dedicated Arizona Irrevocable Trust Attorneys in Gilbert

Estate planning can be a complex process, requiring careful consideration of various tools and strategies. One such tool is an irrevocable trust, which offers numerous benefits such as reducing estate taxes, providing funds for tax payments, protecting assets for minors or financially irresponsible adults, and creating asset protection. However, it's crucial to understand the potential pitfalls and ensure the trust is properly established and administered.

At the Law Offices of Brandon White, our seasoned Arizona estate planning lawyers are well-versed in estate planning goals and the intricacies of an irrevocable trust. We'll work closely with you to determine whether an irrevocable trust is the right solution for your estate plan, and guide you through the process to ensure your assets and legacy are secure.

Don't leave your estate planning to chance. Contact the Law Offices of Brandon White today and let our skilled irrevocable trust lawyer in Phoenix help you secure your family's financial future.

What Is an Irrevocable Trust?

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An irrevocable trust is a legal agreement under Arizona's irrevocable trust law, which involves the management and distribution of assets. The terms of the agreement, drafted by a Phoenix irrevocable trust lawyer, specify the rights of the trustee and the parties involved:

1. Settlor: The creator of the irrevocable trust who contributes assets to the trust.

2. Trustee(s): The party responsible for managing and distributing the assets within the trust.

3. Beneficiary(s): One or more individuals intended to benefit from and/or utilize the trust assets.

The complexity of trust agreements can range from simple to intricate, depending on the settlor's objectives and the assets' value.

Although irrevocable trusts generally cannot be altered or terminated by the settlor/grantor, they offer numerous benefits such as exemption from estate taxes, protection from beneficiaries' creditors, and safeguarding assets from divorcing spouses. Consulting with an experienced irrevocable trust lawyer is crucial to ensure the proper establishment and administration of the trust and to navigate the intricacies of Arizona's irrevocable trust law, ultimately securing your and your family members' financial future in Phoenix and beyond.

Types of Irrevocable Trusts

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Irrevocable trusts come in various forms, each tailored to meet specific goals and objectives. Here are some common types:

Life Insurance Trust

A Life Insurance Trust, also known as an Irrevocable Life Insurance Trust (ILIT), is a type of irrevocable trust specifically designed to hold a life insurance policy on the settlor's life. The primary purpose of an ILIT is to remove the life insurance policy's death benefit proceeds from the settlor's taxable estate, reducing or even eliminating potential estate taxes. When the settlor passes away, the ILIT receives the policy's death benefit proceeds, which are then distributed to the named beneficiaries according to the terms of the trust.

An ILIT offers several advantages, such as providing liquidity to the settlor's estate by offering funds to cover estate taxes and other expenses without the need to sell assets. It also protects the policy proceeds from creditors and ensures that the beneficiaries receive the intended amount of financial support. Additionally, the ILIT can provide professional management and control over the distribution of the death benefit proceeds, ensuring that the beneficiaries' needs are met responsibly and as per the settlor's wishes. It's crucial to work with an experienced estate planning attorney who understands the nuances of ILITs and can guide you through the process.

Grantor-Retained Annuity Trusts

A Grantor-Retained Annuity Trust (GRAT) allows the grantor to transfer assets to beneficiaries while retaining a fixed annuity payment for a specified term. At the end of the term, the remaining assets pass to the beneficiaries, potentially with reduced gift and estate tax consequences.

Charitable Trusts

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Charitable trusts are designed to benefit one or more charitable organizations. The grantor receives a tax deduction for the gift while the charity benefits from the trust's income. Charitable trusts can be structured as Charitable Remainder Trusts (CRT) or Charitable Lead Trusts (CLT).

Special Needs Trusts

Special Needs Trusts (SNT) are created to provide financial support to disabled beneficiaries without affecting their eligibility for government benefits. The trust can be used for expenses like medical care, education, and other needs not covered by public assistance programs.

Qualified Personal Residence Trusts

A Qualified Personal Residence Trust (QPRT) allows the grantor to transfer their primary or secondary residence into the trust while retaining the right to live in the property for a specified term. At the end of the term, the property passes to the beneficiaries at a reduced gift tax value.

Why Would You Want an Irrevocable Trust or Life Insurance Trust?

arizona irrevocable trust law

Establishing an irrevocable trust or a life insurance trust (ILIT) can provide significant benefits for individuals aiming for asset protection and providing for their loved ones while minimizing tax liabilities. These trusts offer certain benefits and unique advantages to ensure the settlor's intentions are fulfilled while safeguarding the beneficiaries' interests.

Key benefits of irrevocable trusts and life insurance trusts include:

  • Tax advantages: Transferring assets to an irrevocable trust removes them from the settlor's estate, reducing or eliminating estate taxes upon the settlor's death;
  • Creditor protection: Assets within an irrevocable trust are not considered the settlor's property and are therefore protected from the settlor's creditors;
  • Charitable deductions: Irrevocable trusts with charitable provisions may qualify for tax deductions, benefiting the settlor or their estate;
  • Asset protection benefits: Trust assets are shielded from beneficiaries' creditors and aren't considered when determining eligibility for government benefits;
  • Control over distribution: Settlors can dictate the terms and conditions under which the trust assets are distributed to the beneficiaries;
  • Financial support and security: Irrevocable trusts, especially ILITs, can provide financial support to family members, cover educational expenses, and offer liquidity to pay taxes.

Properly designing, drafting, and administering an irrevocable trust or ILIT, while adhering to all applicable federal estate tax laws, can optimize these benefits and ensure the settlor's objectives are met while securing their family's financial future.

Assets Protected by Irrevocable Living Trusts in Phoenix, AZ

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Irrevocable trusts in Arizona offer valuable protection for a variety of assets, ensuring your loved ones receive the intended benefits.

Assets protected by irrevocable trusts include:

  • Real estate and property
  • Cash
  • Investments and stocks
  • Life insurance policies (ILIT)
  • Business
  • Collectibles and valuable items

Why Hire a Skilled Gilbert Irrevocable Trust Lawyer?

Hiring a skilled Arizona irrevocable life insurance trust lawyer is essential for several reasons. Firstly, they have the skill to navigate the complexities of Arizona law, ensuring your trust is properly established and managed. This guarantees that your assets are protected and distributed according to your wishes. Secondly, a knowledgeable trust attorney can help you understand the tax implications of your trust, maximizing the benefits while minimizing your tax burden.

Additionally, a skilled irrevocable trust lawyer can assist in customizing your trust to accommodate your unique needs and circumstances, providing flexibility and control over your assets. They'll also ensure that your trust complies with all legal requirements, reducing the likelihood of future disputes or challenges. By hiring a seasoned estate planning attorney, you can have peace of mind knowing that your legacy is secure and your family's financial future is in capable hands. Trust the experience of a skilled estate planning lawyer to create an effective estate plan tailored to your specific needs. To protect assets and ensure peace of mind, we highly recommend working with a qualified legal entity.

Why Choose the Law Offices of Brandon White for Arizona Irrevocable Trust?

Choosing the Law Offices of Brandon White for your Arizona irrevocable trust needs comes with numerous benefits. Our experienced and dedicated law firm possesses an in-depth understanding of Arizona's irrevocable trust law, ensuring your trust is accurately established and managed. We take a personalized approach to each case, tailoring our services to meet your unique needs and goals while providing the highest level of legal representation.

Key benefits of working with the Law Offices of Brandon White include:

Entrust your irrevocable trust matters to the Law Offices of Brandon White, and experience the confidence and peace of mind that comes with partnering with a reliable and knowledgeable legal team.

Experience in Arizona irrevocable trust law;

Personalized attention and customized solutions;

Commitment to client satisfaction and success;

Clear and transparent communication throughout the process;

A team of skilled and dedicated professionals focused on protecting your legacy and your family's financial future.


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A regular DUI is considered driving with a BAC of 0.08-0.14% or driving with a controlled substance in your bloodstream.

Penalties include:

  • Undergoing a substance abuse screening assessment;
  • Completing substance abuse treatment program;
  • Serving 10 consecutive days in jail and payin g jail costs;
  • An additional 9 days in jail will be suspended if the substance abuse program is completed;
  • $250 fine plus any surcharge;
  • $500 State Prison Construction and $500 State General Fund payments.

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We strive to not only meet your expectations but exceed them. What we do know is that we have some of the best attorneys in Arizona and beyond, in all of our areas of practice.

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I’m Extremely satisfied with Brandon white and his team I’m from California and got a traffic ticket in Arizona they took care of everything and were able to get my ticket dismissed Great people and very helpful.

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The team of Brandon White is a wonderful team. They help my husband a lot and solve all the problems about the traffice case. Every member is so nice and patient. Our English are not good . They explain everything for us and send emails to tell us in detail. I really, really appreciate them and the price is cheap and fine. And no more other fees. Thank you very much!

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Brandon reached out to me without expectations or any obligation to help with an issue I had. I appreciate the genuine kindness. Good stuff.

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The whole staff at Brandon White is to be commended……They were thorough with my Traffic Case and kept in touch , communicating the possible outcomes and strategies. I would recommend them to anyone that needs legal help in a Traffic Civil or Criminal situation.

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I just had a telephone consultation with Mr. White and he took the time to explain to me every option I had to resolve a photo radar ticket I recieved in Mesa. I would not hesitate to recommend him to anyone seeking legal advice. Thanks again Brandon, I appreciate the honesty and clear communication we had.

William - Phoenix, Arizona


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I was in an accident and needed an attorney as soon as possible. I was referred to The Law Office of Brandon White, Him and his amazing team fought for the best outcome and are so client willing. Everything is done for your best interest and not just theirs. I highly recommend this attorney and am so thankful to be referred there.



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This law team definitely recovered more money than I could’ve on my own. It can take some time but with a little patience it is totally worth it. Brandon and his team are very good at communicating what comes next step by step… Thank you very much!



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Excellent service and would recommend to anyone. Will go above and beyond to help you.


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Contact a Gilbert Irrevocable & ILIT Trust Attorney Today

Take the first step towards securing your loved one's future. Contact our top-rated Phoenix special needs trust lawyers for a consultation today.

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Can an irrevocable trust be changed in Arizona?

In Arizona, an irrevocable trust typically cannot be changed by the grantor. However, under certain circumstances and with the consent of beneficiaries or through court intervention, modifications may be possible.

What is the cost of irrevocable trust in Arizona?

The cost of setting up an irrevocable trust in Arizona varies depending on the complexity of the subject of the trust and the attorney's fees. It's essential to discuss your needs with a qualified estate planning attorney for a customized quote.

How much does a Phoenix irrevocable trust lawyer cost?

Phoenix's irrevocable trust attorney fees and costs for creating an irrevocable trust depend on factors like the lawyer's experience, trust complexity, and location. It's best to consult with an estate planning attorney for a personalized estimate.

Does an irrevocable trust avoid probate in Arizona?

Yes, an irrevocable trust helps avoid probate in Arizona. Assets held within an irrevocable trust are not considered part of the grantor's estate, allowing for a seamless transfer to the beneficiaries without going through the probate process, which can be time-consuming and costly.

What is the difference between revocable and irrevocable trusts in Arizona?

The main difference between an irrevocable and a revocable living trust lies in its flexibility. An irrevocable trust cannot be altered or revoked once established, while a revocable trust can be changed or dissolved during the grantor's lifetime. Irrevocable trusts offer greater asset protection and potential tax benefits, while revocable trusts provide more control over assets.