Advanced Asset Protection

Irrevocable Trust

The strongest shield for your wealth. Remove assets from your taxable estate, protect them from creditors and lawsuits, and plan for Medicaid eligibility without sacrificing your family's financial security.

40%
Estate Tax Savings (Avg)
100%
Creditor Protection
72hr
Document Delivery
50
States Covered
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Understanding the Basics

What Is an Irrevocable Trust?

An irrevocable trust is a legal entity that permanently removes assets from your personal ownership and taxable estate. Once assets are transferred into the trust, they belong to the trust itself, not to you. This separation is what provides the powerful benefits of asset protection and estate tax reduction.

Because you no longer own the assets, they cannot be reached by your personal creditors, included in divorce settlements, or counted for Medicaid spend-down calculations (subject to the applicable look-back period). The trust is managed by a trustee you designate, who distributes assets to beneficiaries according to the terms you establish.

While the trust generally cannot be modified after creation (hence "irrevocable"), modern trust law in many states allows for limited modifications through trust decanting, judicial modification, or the use of trust protectors. DynastyOS builds these flexibility provisions into every irrevocable trust we create.

Is It Right for You?

Who Is an Irrevocable Trust For?

High-Net-Worth Families

If your estate exceeds the federal estate tax exemption ($13.61 million per person in 2024), an irrevocable trust can remove assets from your taxable estate, potentially saving millions in estate taxes at the current 40% rate.

Medicaid Planning

Families planning for long-term care can use an irrevocable trust to protect assets from Medicaid spend-down requirements, provided the transfer occurs before the 5-year look-back period in most states.

Business Owners and Professionals

Physicians, attorneys, real estate developers, and other professionals with high litigation risk can shield personal assets from professional liability claims by placing them in an irrevocable trust.

Families Concerned About Divorce

Assets held in an irrevocable trust for the benefit of your children are generally protected from division in their divorce proceedings, keeping family wealth within the family.

What You Get

Key Features

Asset Protection

Once transferred, assets are shielded from creditors, lawsuits, judgments, and bankruptcy proceedings.

Estate Tax Reduction

Assets removed from your estate are not subject to the 40% federal estate tax, potentially saving millions for your beneficiaries.

Medicaid Eligibility

Assets transferred before the look-back period are excluded from Medicaid eligibility calculations for long-term care.

Trust Protector Provisions

Modern flexibility provisions allow a trust protector to make limited modifications, adapt to tax law changes, and adjust distributions.

Simple Process

How It Works

1

AI Analysis

Our AI evaluates your estate size, asset types, family structure, and state laws to determine if an irrevocable trust is the right strategy.

2

Custom Drafting

Your trust is drafted with jurisdiction-specific provisions including spendthrift clauses, trust protector powers, and distribution standards.

3

Attorney Review

A licensed estate planning attorney reviews every provision for compliance with state and federal law before delivery.

4

Asset Transfer

Our concierge team manages the formal transfer of assets into the trust, including deed preparation, account retitling, and gift tax reporting.

Protect What Matters Most

Shield Your Assets From Every Threat

Creditors. Lawsuits. Estate taxes. Medicaid spend-down. An irrevocable trust protects against all of them. Start with a free consultation.

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No credit card required. 30-minute consultation. 100% confidential.

Common Questions

Frequently Asked Questions

Generally, no. The assets belong to the trust, not to you. However, modern irrevocable trusts can include provisions for a trust protector who can make limited modifications, and many states allow trust decanting, which permits moving assets to a new trust with updated terms. Our attorneys build appropriate flexibility into every trust.
In most states, Medicaid looks back 5 years (60 months) from the date you apply for benefits. Any asset transfers made within that period may be penalized. California recently extended its look-back period from 30 months to 60 months. Planning ahead is critical. The earlier you establish an irrevocable trust, the more protection it provides.
It depends on how the trust is structured. A grantor irrevocable trust (like an IDGT) has the grantor pay income taxes, allowing assets to grow tax-free inside the trust. A non-grantor trust pays its own income taxes at the trust's compressed tax brackets. Our AI recommends the optimal tax treatment based on your situation.
Most assets can be transferred including real estate, cash, investment accounts, business interests, life insurance policies, and personal property. Retirement accounts (IRAs, 401(k)s) cannot be retitled into a trust during your lifetime but can be directed to the trust as a beneficiary designation. Our team guides you on which assets are best suited for irrevocable trust placement.
Assets transferred to an irrevocable trust are no longer yours, so they may not count toward your personal net worth for lending purposes. However, assets you retain outside the trust, including your income, still qualify. Our advisors help you balance asset protection with your ongoing financial needs before making transfers.

Maximum Protection Requires Maximum Precision

An irrevocable trust is one of the most powerful tools in estate planning. Make sure it is done right. Attorney-reviewed. AI-powered. Trust funding included.

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