DTC IRA Special Situations Trust®

Allows you to care for a loved one when you are no longer here, and provides guardrails for those who may need them.

When to Consider the DTC IRA Special Situations Trust®

You Want Full Control of Your IRA During Your Lifetime

You Want to Care for a Certain Loved One When You Are No Longer Here

You Want to Provide Guardrails for the Loved Ones Who Need Them


IRA Planning for a Beneficiary Effected by Substance Abuse

Establishing an IRA Trust for a Special Needs Child



DTC IRA Special Situtations Trust® Benefits

• Care for special needs heirs includes the ability to "stretch" your IRA and help maintain benefits like Medicaid.

• Protects certain heirs from themselves if they are: irresponsible with money or inexperienced in managing money, struggle with gambling, suffer from substance abuse, or are prone to financial manipulation.

• Provides asset protection from: creditors, lawsuits, bankruptcy, and divorcing spouses.

• Avoids inadvertently disinheriting your child if your spouse remarries and the assets go to the new spouse's family.


What a DTC IRA Special Situations Trust® Offers





How the DTC IRA Special Situations Trust® Works



IRA Planning For The Ones You Love

It is important to start your IRA beneficiary and trust planning as soon as possible. Your financial advisor is a critical part of this planning and can help you create a plan specific for your family and their needs.

★ Allows you to examine unique needs for each heir.

★ Provides possible solutions for your specific family situations.

★ Can provide planning for multiple generations.

Time to Get Started Back to Trust Trilogy



This communication is general in nature and provided for educational and informational purposes only. It should not be considered or relied upon as legal, tax or investment advice or an investment recommendation, or as a substitute for legal or tax counsel. Any investment products or services named herein are for illustrative purposes only, and should not be considered an offer to buy or sell, or an investment recommendation for, any specific security, strategy or investment product or service. Always consult a qualified professional or your own independent financial professional for personalized advice or investment recommendations tailored to your specific goals, individual situation, and risk tolerance.

Federal and state laws and regulations are complex and subject to change, which can materially impact your results.

IRS Circular 230 Disclosure: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal tax advice contained in this communication (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.

Current tax environments are subject to change at any time and no one can predict with certainty what Congress or the IRS may do.

Dunham Trust Company does not guarantee the investments in the DTC IRA Trust Trilogy as investments are subject to risk and market fluctuation, including possible loss of principal. Dunham Trust Company does not guarantee that your investment objectives will be achieved.

To maintain a DTC IRA Trust Trilogy you may incur fees and expenses. Generally, there are no administrative fees associated with the DTC IRA Special Situations Trust and DTC IRA Charitable Trust until the IRA owner passes, at which point the trust administration fee schedule published at the time will apply. However, the fees related to the DTC IRA Replacement Trust will be subject to the published fee schedule at the time the trust is established.