Titling, Probate & Trusts strategies

7 plays in this category. Each one covers the mechanics, who it fits, and the estimated impact — then generates a deep dive against your own numbers.

• Titling, Probate & Trusts

  Revocable Living Trust (RLT) — Probate Avoidance + Private Transfer

  Retitle assets into a fully-amendable trust: skip probate entirely, keep the transfer private, retain 100% control.

  2–7% of estate value in probate cost + 3–18 months of delay avoided
• Titling, Probate & Trusts

  RLT Funding Sequence — The Step Most People Skip

  An unfunded revocable trust avoids nothing. Retitle deeds, brokerage, LLC interests and business shares in the right order.

  Preserves the entire probate-avoidance benefit — otherwise $0
• Titling, Probate & Trusts

  Tenancy by the Entirety (TBE) — Spousal Creditor Shield in 25 States

  Married-couple-only titling in ~25 states makes the asset unreachable by ONE spouse's individual creditors.

  Shields home equity of $200K–$5M+ from single-spouse judgments
• Titling, Probate & Trusts

  TOD / POD Beneficiary Designations — Free Probate Bypass

  Transfer-on-death and payable-on-death registrations move brokerage, bank, and (in 30+ states) real estate outside probate at zero cost.

  Full probate avoidance on designated accounts at $0 cost
• Titling, Probate & Trusts

  Titling Decision Matrix — RLT vs JTWROS vs TOD vs LLC

  Run every asset through one matrix: probate exposure, basis step-up, creditor reach, gift-tax event, incapacity coverage.

  $50K–$500K+ across probate cost, capital gains, and creditor exposure
• Titling, Probate & Trusts

  Multi-State Property — Ancillary Probate Elimination

  Out-of-state real estate triggers a separate probate in each state. A trust or LLC collapses them into one.

  $10K–$75K+ in duplicated ancillary probate cost and 6–24 months of delay
• Titling, Probate & Trusts

  Joint Tenancy with Right of Survivorship (JTWROS) — Poor Man's Estate Plan

  Title passes automatically to the survivor with no probate — free to set up, but with real basis and creditor tradeoffs.

  Probate avoided on titled assets at $0 setup cost