DTC IRA Charitable Trust®

Eliminates taxes on your IRA, while providing lifetime income for your loved ones and serving your charitable legacy.

When to Consider the DTC IRA Charitable Trust®

You Want to Maintain Control of Your IRA

You Want More Lifetime Income for the Ones You Love

You Want to Provide Charitable Contributions In Lieu of Taxation

Leaving Lifetime Income to your Family From Your IRA

DTC IRA Charitable Trust® Benefits

• Eliminates the Large Tax on an inherited IRA required by the 10th year after you pass away

• Provides a Tax Deduction on your estate

• Protects the assets in your IRA from creditors, lawsuits, or bankruptcy

• Any growth within the trust that is not distributed grows tax deferred

• Spreads the income allowing your loved ones to take advantage of lower tax brackets

• Possible tax advantaged income by converting from income tax to capital gains tax

What a DTC IRA Charitable Trust® Offers

How the DTC IRA Charitable Trust® Works

A Deeper Level of
Planning for Your Heirs

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.