Overview
The complete estate plan for married couples — especially those with minor children. A single bundled package that delivers a Joint Revocable Living Trust with an automatic A/B Bypass split on the first spouse's death, separate lifetime trusts for each child with bloodline protection, two Pour-Over Wills with guardian nominations, and — included at no extra cost — Durable Financial Powers of Attorney and Advance Healthcare Directives for both spouses, plus a Letter of Wishes template. Built to protect the surviving spouse, the children, and the family's bloodline through divorce, remarriage, lawsuits, creditors, and the generations to come.
Best For
- Married couples with minor children
- Couples wanting automatic A/B Bypass split on first death
- Families prioritizing bloodline protection
- Couples wanting one bundled package covering trust, wills, POAs, and healthcare directives
- Anyone wanting strong protection against remarriage, divorce, and creditor risks
Key Features
- ✓ Joint Revocable Living Trust (one document for both spouses)
- ✓ Automatic split into Survivor's Trust and Family/Bypass Trust on first spouse's death
- ✓ HEMS (health, education, maintenance, support) distribution standard
- ✓ Independent Co-Trustee required for the Family/Bypass Trust
- ✓ Separate lifetime trusts for each child with age-staggered trustee roles
- ✓ Strong bloodline class — excludes ex-spouses, future spouses, stepchildren
- ✓ Anti-disinheritance lock after remarriage of surviving spouse
- ✓ Anti-commingling provisions for inherited assets
- ✓ Spendthrift, divorce, and creditor protection at every level
- ✓ Trust Protector with removal, decanting, and situs-change authority
- ✓ Two coordinated Pour-Over Wills with guardian nominations for minor children
- ✓ Durable Financial Powers of Attorney for both spouses — INCLUDED FREE
- ✓ Advance Healthcare Directives (HC POA + Living Will) for both spouses — INCLUDED FREE
- ✓ HIPAA authorization for both spouses — INCLUDED FREE
- ✓ Letter of Wishes template — INCLUDED FREE
- ✓ No-contest clause, mediation/arbitration framework, digital asset authority
📊 Tax Benefits
- ✓ Uses both spouses' federal estate tax exemptions (A/B Bypass split)
- ✓ Step-up in basis at first death on deceased spouse's half
- ✓ Portability election preserved as a backup
- ✓ Grantor trust status while both spouses are alive — no separate tax return
- ✓ GST exemption allocation available for the children's lifetime trusts
- ✓ Charitable provisions ready for Donor-Advised Fund integration
Considerations
- Best for married couples with substantive joint assets
- Joint trust requires both spouses to agree on the structure
- Family/Bypass Trust becomes irrevocable on first spouse's death — by design
- Trust must be funded with assets to fully avoid probate
- Trust Protector and Independent Trustee should be carefully selected
- Children's lifetime trusts do not distribute outright — by design