DTC IRA Replacement Trust®

An Irrevocable Life Insurance Trust (ILIT). The DTC IRA Replacement Trust® assists in replacing IRA assets that were lost to taxes or given to charity.

When to Consider the DTC IRA Replacement Trust®

You Want to Replace IRA Assets That Were Lost to Taxes

You Want to Replace IRA Assets That Were Given to Charity

You Want to Provide Your Loved Ones with Extremely Tax Efficient Assets

Is Giving Your IRA to Charity the Only Alternative to Paying the Tax?

DTC IRA Replacement Trust® Benefits

• Potentially the most tax effective asset left to  your loved one: no estate, income, or capital  gains tax 

• When paired with the DTC IRA  Replacement Trust®:

⋆ Allows your loved one more income for a lifetime

⋆ Allows your estate a tax deduction, giving more assets to your loved  ones and less to the IRS 

⋆ Replaces assets that may be lost to taxes

What a DTC IRA Replacement Trust® Offers

How the DTC IRA Replacement Trust® Works

For You, For Them
For Generations To Come

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.