{"id":3355,"date":"2020-02-19T19:00:00","date_gmt":"2020-02-20T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/the-wealthy-barber-explains-the-benefits-of-a-testamentary-trust\/"},"modified":"2024-10-22T11:07:20","modified_gmt":"2024-10-22T15:07:20","slug":"the-wealthy-barber-explains-the-benefits-of-a-testamentary-trust","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/the-wealthy-barber-explains-the-benefits-of-a-testamentary-trust","title":{"rendered":"The Wealthy Barber explains the benefits of a testamentary trust"},"content":{"rendered":"\n

This article is part of a series created in collaboration between RBC Wealth Management Royal Trust<\/a> and David Chilton, author of best-selling personal finance guides The Wealthy Barber and The Wealthy Barber Returns, and former dragon on CBC\u2019s Dragons\u2019 Den. #TrustRoyalTrust<\/p>\n\n\n\n

In this article we\u2019re going to take a brief look at testamentary trusts.<\/p>\n\n\n\n

How exciting is that? Try to contain yourself! \u201cTodd, turn off the hockey game! Yes, I know it\u2019s 5 to 5 and in overtime, but you must<\/strong> read Chilton\u2019s article on testamentary trusts. It\u2019s captivating!\u201d<\/p>\n\n\n\n

Ok, I admit that is not a likely response to this piece. Or either of my books, for that matter. (Thought I would say that before you did.)<\/p>\n\n\n\n

But, honestly, testamentary trusts really are quite interesting. Not riveting, but quite interesting.<\/p>\n\n\n\n

More importantly, I think they can play a very helpful role in many Canadians\u2019 estate plans.<\/p>\n\n\n\n

So, what is a testamentary trust?<\/p>\n\n\n\n

Quite simply, it\u2019s a trust that is created on the day a person dies. Or, as my dad stated, it kicks in when you kick the bucket. Not surprisingly, my father has never been asked to write copy for the financial industry.<\/p>\n\n\n\n

The trust is established through the transfer of ownership of some of the deceased\u2019s assets. A designated-in-the-will trustee, could be an individual or a trust company, administers the trust according to the instructions as to how those assets are to be used for the benefit of the beneficiary.<\/p>\n\n\n\n

\n\n\n\n
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\"david <\/a><\/div>\n<\/div>\n\n\n\n
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What is a trust? The Wealthy Barber explains<\/h4>

Trusts protect your wealth for the benefit of current and future generations.<\/p>

<\/div> Watch now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n

Well, la ti da. Doesn\u2019t that sound like something only the ultra-rich would get involved with? The Thurston Howell III crowd?<\/p>\n\n\n\n

I must admit that I kind of thought that way myself until relatively recently.<\/p>\n\n\n\n

What changed my mind?<\/p>\n\n\n\n

Talking to a bunch of friends and colleagues about testamentary trusts while I wrote and tested a script for a video on the subject.<\/p>\n\n\n\n

Very illuminating conversations.<\/p>\n\n\n\n

Sadly, many families have a member who battles addiction issues. For obvious reasons, it is often unwise to leave that person his\/her inheritance directly.<\/p>\n\n\n\n

In fact, two of the testers said how thankful they were that their parents had left them money through a trust. They are well aware of their challenges and felt the trust very effectively protected them from themselves.<\/p>\n\n\n\n

Several others shared stories about family members quickly squandering inheritances as that protection wasn\u2019t in place.<\/p>\n\n\n\n

And it\u2019s not just beneficiaries battling addictions that could benefit from a testamentary trust being used. What about someone who has a track record of consistently managing his or her money irresponsibly? A spendthrift or a too-aggressive risk taker?<\/p>\n\n\n\n

Or perhaps, a beneficiary is dealing with a disability that makes financial management either impossible or incredibly stressful. A trust makes perfect sense here.<\/p>\n\n\n\n

The feedback to the video script also provided a strong reminder about the now-high prevalence of blended families and the often-associated estate-planning complexities. Testamentary trusts are a great aid for those building a plan to tackle those issues.<\/p>\n\n\n\n

For example, perhaps you want to make sure your current spouse is taken care of while also preserving a certain level of capital for your children from a first marriage.<\/p>\n\n\n\n

You can see why I think testamentary trusts can play a very important, a very helpful role in estate planning.<\/p>\n\n\n\n

They are a tool\u2014a quite flexible tool\u2014that can help you to help the people you love. Again, to protect them.<\/p>\n\n\n\n

They\u2019re not for everyone but more people should look at them than do.<\/p>\n\n\n\n

See that was interesting, wasn\u2019t it?<\/p>\n\n\n\n

But not riveting.<\/p>\n","protected":false},"excerpt":{"rendered":"

Testamentary trusts can help you help the people you love.<\/p>\n","protected":false},"author":30,"featured_media":3358,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8],"tags":[258,253,257,100,259,320,106,310,184],"rbcwm_content_owner":[609],"rbcwm_need":[83,84],"rbcwm_segment":[66],"rbcwm_solution":[99],"rbcwm_topic":[94],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-3355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estate-planning","tag-chilton-campaign","tag-david-chilton","tag-estate-and-trust","tag-estate-planning","tag-executor-services","tag-is-your-will-up-to-date","tag-the-wealthy-barber","tag-trusts","tag-writing-a-will","rbcwm_content_owner-royal-trust","rbcwm_need-live","rbcwm_need-protect","rbcwm_segment-individuals-and-families","rbcwm_solution-trusts","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"They are a tool\u2014a quite flexible tool\u2014that can help you to help the people you love.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":[],"disclaimer_footnote":"RBC Royal Trust and RBC Wealth Management are business segments of the Royal Bank of Canada. 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All rights reserved.\r\n\r\n "},"rbcwm_insight_cta_id":[11902],"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nThe Wealthy Barber explains the benefits of a testamentary trust<\/title>\n<meta name=\"description\" content=\"Testamentary trusts can help you help the people you love.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/the-wealthy-barber-explains-the-benefits-of-a-testamentary-trust\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Wealthy Barber explains the benefits of a testamentary trust\" \/>\n<meta property=\"og:description\" content=\"Think trusts aren\u2019t for you? 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