The Dunham Trust Trilogy


The DTC IRA Special Situations Trust® allows you to care for a loved one when they are no longer there, and provides guardrails for loved ones who may need them.

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In a DTC IRA Charitable Trust®, the trust is established and named as the beneficiary of the IRA. When you pass away, your financial advisor continues to manage the assets.

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This is an Irrevocable Life Insurance Trust, or, ILIT. The DTC IRA Replacement Trust® may assist in replacing IRA assets that were lost to taxes or given to charity, providing your loved ones with tax efficient assets.

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Why You Should Name a Trust as the Beneficiary Your IRA

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.