Most of what makes up your net worth can go into a trust. The common categories:
- Liquid assets, such as cash and savings, that you use day to day.
- Marketable securities, including brokerage accounts, stocks, and bonds.
- Business interests, such as your company, your equity, or a stake in a fund.
- Life insurance, which is easy to overlook but often belongs in a trust. Held the right way, the payout can sit outside your taxable estate and reach your family directly.
A few things usually stay out, such as retirement accounts like a 401(k) or IRA, which have their own rules. A good setup tells you exactly which assets go where.
The part most people miss is that different assets are best protected in different ways. Your home is not handled like your startup equity. Everyday cash is not treated like stock you plan to hold for decades. Matching the right asset to the right structure is where most of the value is.
That is the difference between having a trust and having a plan. You do not need to sort all of it out on day one. You start with the basics and build as your life and your assets grow, and we help you put each asset in the right place along the way.