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Trust Services

IRA Accounts: Trustee Managed and Self-Directed

Whether you are making annual contributions or have a rollover from an existing IRA or Qualified Plan, WNB Trust can offer an IRA that may provide a tax shelter for individuals who want to save for their retirement. You can choose how your balances are invested or, with a trustee-managed account with WNB as trustee, enjoy professional investment management and assistance with important issues like structuring your distributions and beneficiary designations. For additional information, review the retirement calculators.


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Investment Management Accounts

With an Investment Management Account, WNB Trust acts as Agent on the client’s behalf. We work with you to develop an asset allocation plan that takes into consideration your investment objectives and your risk tolerance, while focusing on your current income requirements and tax status. Your account is reviewed on a regular basis and appropriate changes are made to meet the needs of your current financial situation and your long-term goals. For more information, look at the investment calculators.


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Revocable Living Trust

A Revocable Living Trust is a trust set up by a grantor during his or her lifetime that can be changed or terminated by that individual. The trust can be designed to meet the needs of the individual and can be an excellent means for asset management as well as bill paying, should the grantor become incapacitated. Revocable Living Trusts are an excellent tool for long-term planning and provide for the ability of the grantor to control assets left to beneficiaries. A properly funded trust can avoid probate, and because of its confidentiality, is not a matter of public record.


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Irrevocable Trust

A grantor, who transfers assets to an Irrevocable Trust, effectively removes his or her right of ownership to the assets. This trust cannot be changed or terminated without the permission of the beneficiaries. The benefit of this type of trust is that it can effectively remove assets from the grantor’s taxable estate. The use of Irrevocable Trusts involves a multitude of sophisticated and complex tax rules, so let WNB Trust work with you and your tax planning professional to see if this is a good option for you.


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Estate Administration

The settlement of an estate can involve a demanding, complex set of tasks. Your executor is responsible for safeguarding assets of your estate, payment of debts, collection of income, filing appropriate tax returns and court documents, and making timely and accurate distributions to your beneficiaries. WNB Trust has years of experience, and we specialize in all phases of estate administration— which minimizes the burden your family must face at a difficult time.


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Testamentary Trust (Trust Under Will)

Upon your death, a provision within your Last Will and Testament creates a Testamentary Trust. Specific assets are turned over to a trustee for taking care of beneficiaries as you have directed. WNB, as trustee, can provide peace of mind to your family by providing investment management, along with carrying out the other provisions of the trust. You have the flexibility of declaring income from the trust to be paid to a beneficiary or beneficiaries during their lifetime, after which the principal can be distributed to another beneficiary or other beneficiaries.


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Charitable Trust

If philanthropy is included in your wishes, let WNB Trust assist with the establishment of a Charitable Trust. You may have assets that have experienced significant appreciation. By contributing these assets to a trust, you can turn the asset into an income generator and claim a substantial portion of your contribution as a charitable deduction on your income taxes. The Charitable Remainder Trust can distribute income payments for a specific period or over a lifetime. These income payments can begin immediately or can be deferred until you reach a certain age. When the income payments have been completed, the remaining trust assets pass to the charities you designate.


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Foundation / Endowment Account

The establishment of a Foundation or Endowment Account comes from tax-deductible gifts made by individuals, families, or businesses. Along with recommendations for the selection and management of investments that meet the investment policy or guidelines of the organization, WNB Trust can assist the trustees with their fiduciary responsibilities of carrying out the terms of the trust.


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Power of Attorney Account

There are times when a Power of Attorney is needed to handle your financial Affairs, for example, to make investments, sign checks, make deposits, pay bills, sell property, obtain insurance, file tax returns, and do all the things you do to manage your day-to-day affairs. If you are no longer able to manage your affairs or in the event of an unfortunate occurrence, WNB Trust, if named as your Power of Attorney, can ensure that your financial affairs will be taken care of in a professional manner, relieving the stress and burden on your family.


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Guardian / Conservator Account

WNB Trust can be appointed by the Court to act as guardian of the estate or conservator of the estate for a child or an adult who requires assistance in handling their financial affairs. We provide financial management of assets, collection of income, bill paying, and assist with tax preparation and required annual accountings to the Court. We strive to provide the family and Guardian-of-the-Person peace of mind in knowing the financial affairs of their loved ones are handled by professionals.


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Medicare & Supplemental Insurance Claim Processing and Review

WNB Trust works with a Medical Reimbursement Specialist who has been trained and is familiar with the paperwork and processes associated with Medicare and your other insurance carriers. This Specialist will make sure all benefits due by your insurance company are paid. They assist with claim forms, filing of insurance, investigating denied claims, and advise when and how much to pay to your providers.


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Special Needs Trust

A Special Needs Trust is a trust established for the benefit of an individual with disabilities. In most cases, these individuals receive benefits from various federal, state and local programs. Special Needs Trusts are created to provide comforts that are not provided by government programs; however, extreme care must be utilized in drafting the Trust documents to ensure the individual remains eligible for government support. WNB Trust has the administrative knowledge to act as trustee of a Special Needs Trust.


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Important Notice
Some Trust products may not be FDIC Insured, a Bank Product, or have a Bank Guarantee. For more information, please contact our Trust Department.
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