Living Trust Services

A Revocable Living Trust Customarily Provides:

• Investment management for you and/or your beneficiaries.
• Detailed asset handling in accordance with Trust Accounting Rules
• Principal disbursements to you and/or your beneficiaries
• Asset distribution upon termination of the trust
• Avoidance of probate
• The assumption of additional management responsibilities in the event of your incapacity
• A flexible and amendable agreement;
• A retention of control over the trustee at your desired level
• Possible significant estate tax savings

We Know How to Structure the Very Trust You Need

At VNB/FSNH, we know that although "trust" is a financial term, it has deep emotional echoes.

We take seriously potential donors' and beneficiaries' questions about money and trusts. We believe that we excel in our ability to tailor our services to answer their questions and meet their needs.

We are not unmindful that institutions can bring the negative side of "institutional" involvement to complex family matters. It is for this reason that, in helping you structure your trust, we urge you to pick and choose the best combination of our services. For example, we frequently work with family members or their agents as co-trustees.

There Are Many Benefits to Having an Institution as Trustee or Co-Trustee

An institution can be more objective when making trust-related decisions affecting family members.

An institution treats trust administration as a craft, a vocation, if you will. Trust administration is usually far beyond the capability of anyone who does not specialize in its complexities.

As an impartial trustee, an institution can allow for greater principal access for beneficiaries of tax savings trusts.

Why VNB/FSNH?

Our Trust Officers have a total of over 250 years planning, managing, and investing trusts and retirement funds.

On average, our Trust Officers have spent 12 years of their professional lives working in New England.

We are not big risk-takers. Rather than deliver pyrotechnics, we strive to deliver consistently above-average returns over the long haul. And we succeed.

If and when trustees elect to take a trust business to another institution, VNB/FSNH charges no termination fees. That level of flexibility for a bank is extraordinary.

When You Come In to Talk to Us, Ask Us As Many Trust and Money Questions As You Like

Put us to the test:

• Are you comfortable with us?
• Do we come personally and highly recommended by people on whom you know you can rely?
• Do we present and explain information well?
• Do we seem to understand your priorities?
• Do we offer to educate you?

If we pass the test, perhaps we can help you structure the very trust or investment account you need.

Interested? Have questions? You can drop by one of our offices, call us at 1-800-334-6862, or contact us by e-mail.