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Hilltop National Bank offers an array of personal trust accounts to meet your financial needs. We recognize that the word “trust” carries important legal, financial, and ethical meanings. “Trust” designates an arrangement under law in which property is held by one party for the benefit of another. As a local community bank, local trust is our top priority, we take the word trust very seriously. Have questions? Contact a Trust Representative by clicking the button below, Stop by our Trust Department located in the Main Office or Call (307)577-3470.

Contact a Trust Representative
  • Revocable or Living Trusts

A living or revocable trust is an arrangement where the grantor does not necessarily depart with ownership and control of property, but would like to direct how assets should be distributed upon their death. Changes can be made to living trusts during your lifetime by simply amending the current provisions of your trust. Who can benefit from a living trust?

Living trusts are ideal for:
• Retirees
• Persons who are in poor health and wish to provide for care if incapacitated
• Those who travel frequently
• Individuals who do not have the time or desire to manage their money
• Customers who are looking for tax savings

As trustee, Hilltop National Bank can offer financial security. Let Hilltop National Bank provide you with professional asset management services including portfolio design and investment management, collection of funds, record keeping and taking care of the monthly household bills.

Please email or visit one of the Trust and Financial Services Department Officers at the Main Office to determine if a trust is appropriate for you and what Hilltop National Bank can provide as trustee.

  • Irrevocable Trust

An irrevocable trust is an arrangement where the grantor departs with ownership and control of property without direct ownership being granted to any beneficiary. Generally once established, an irrevocable trust cannot be changed or canceled. In exchange for giving up control of your assets, there are certain tax advantages to establishing an irrevocable trust. This type of trust can provide for the income, education and support of your beneficiaries and manage assets for the benefit of a surviving spouse and children. You may also use certain types of irrevocable trusts to take advantage of tax benefits in providing gifts to charities and non-profit organizations of your choice.

By appointing Hilltop National Bank as trustee of your irrevocable trust, you will ensure that your trust receives personal attention from one of our professional, experienced trust officers who can provide prudent investment management for your beneficiaries.

Please email or visit one of the Trust and Financial Services Department Officers at the Main Office to determine if an irrevocable trust is appropriate for you and what Hilltop National Bank can provide as trustee.

  • Dynasty Trust

A Dynasty Trust is a type of irrevocable trust that allows successive generations to benefit from the income and growth of the trust’s assets. This enables the grantor to control their legacy and how their assets will be distributed for many generations.

These are some of the reasons for establishing your Dynasty Trust in Wyoming and appointing Hilltop National Bank as trustee:
• In Wyoming, your trust can last for up to 1,000 years
• No state income taxes
• Avoid federal estate tax for future generations
• Wyoming statutes allow for the naming of a Trust Advisor and Trust Protector
• Hilltop National Bank offers continuity and expert administration of your trust
• Hilltop National Bank has an established, successful history of trust administration and investment expertise
By appointing Hilltop National Bank as trustee of your Dynasty Trust, you will ensure that your trust receives personal attention from one of our professional, experienced trust officers who can provide prudent investment management and significant tax savings for your beneficiaries.

Please email or visit one of the Trust and Financial Services Department Officers at the Main Office to determine if a Dynasty Trust is appropriate for you and what Hilltop National Bank can provide as trustee.

  • Testamentary Trust

A Testamentary Trust is established in your will and can be changed during your lifetime by altering your will. The trust comes into existence upon your death. This type of trust can provide for the income, education and support of your beneficiaries and manage assets for the benefit of the surviving spouse and children.

One of the most significant benefits of establishing a Testamentary Trust is that the trust receives personal attention from one of our professional, experienced trust officers who can provide prudent investment management for beneficiaries who may not be able or interested in handling money matters and estate tax planning.

Please email or visit one of the Trust and Financial Services Department Officers at the Main Office to determine if a Testamentary Trust is appropriate for you and what Hilltop National Bank can provide as trustee.

  • Investment Agency Account

Your trust officer will help you reach your goals by using our extensive research and financial analysis tools. We will consider a variety of factors specific to your individual situation such as income needs, tax situation, tolerance for market volatility, and time horizon. We can then develop an investment policy based on your specific needs and provide continuing asset management services to achieve your goals. Please email or visit one of the Trust and Financial Services Department Officers at the Main Office to determine if an Investment Agency Account is appropriate for you and what options Hilltop National Bank can provide.

  • Foundations and Endowments

Foundations, endowments, and non-profit organizations face unique financial challenges and require professional support from an experienced partner. The Hilltop National Bank Trust Department is able to offer the investment management and advice that enables such organizations to manage and protect their assets while allowing them to grow. Each organization receives a customized investment strategy based solely on their needs and goals so they can concentrate on carrying out their mission. Please email or visit one of the Trust and Financial Services Department Officers at the Main Office to determine if Foundations and Endowment Trust is appropriate for you and what Hilltop National Bank can provide.

  • Estate Settlement

Many testators (the person making a will) realize that the administration of an estate is too detailed and complex to be entrusted to anyone other than a professional fiduciary such as Hilltop National Bank. The Bank’s Trust and Financial Services Department is empowered to serve as “personal representative” or “executor” in the settlement of estates, subject to court appointment and upon designation by a valid will duly probated.

The advantages of naming Hilltop National Bank as a the personal representative are numerous and include:
• Permanence, an individual serving as an executor could predecease finalization of the estate administration
• Group judgment and regulatory oversight on discretionary matters
• Professional, experienced expertise
• Unbiased and objective point of view, yet sympathetic to family needs. Impartiality may prevent dissension among the beneficiaries
• Full-time management, financially responsible, avoidance of costly delays and errors

Please email or visit one of the Trust and Financial Services Department Officers at the Main Office about how Hilltop National Bank can help with your estate.

  • Conservatorship

This account is established by the court for minors and persons with a legal disability who must have their property managed by someone. These managers are known as “conservators”. Hilltop National Bank acts in a fiduciary capacity as conservator in administering this type of account. The Bank’s duties and responsibilities include such things as marshaling, appraising, inventorying, investing and protecting assets, and continued management of those assets to meet the needs of the minor or incapacitated person.

Please email or visit one of the Trust and Financial Services Department Officers at the Main Office to determine if a conservatorship is appropriate for you and what Hilltop National Bank can provide as trustee.

  • Special Needs Trust

A Special Needs Trust (SNT) is established to manage resources while maintaining an individual’s eligibility for public assistance benefits. They allow a beneficiary to receive gifts, lawsuit settlements, or other funds so that such funds will not be considered to belong to the beneficiary in determining eligibility for government programs. These trusts are not meant to provide for basic support, but rather to provide for comforts and luxuries beyond those provided by public assistance. Some of the things that these trust can provide for include education, recreation, counseling and medical attention. A SNT must be established by a parent, grandparent or court solely for the benefit of a disabled person under the age of 65. Because of complexity in regards to eligibility for public assistance these trusts should only be drafted by an attorney with experience and knowledge of Special Needs Trusts.

Please email or visit one of the Trust and Financial Services Department Officers at the Main Office to determine if a Special Needs Trust is appropriate for you and what Hilltop National Bank can provide as trustee.

  • Employer Sponsored Retirement Plans – 401(k), SEP, Simple

Employee recruitment and retention can be enhanced for your business by offering an employer sponsored retirement plan. Plans offered by Hilltop National Bank include 401(k)s, Profit Sharing Plans, Simplified Employer Plans, and SIMPLE plans.

Hilltop National Bank offers experienced professionals to assist you in determining the plan most appropriate to meet your company goals, and prototype documents that simplify the establishment of your plan.

Your investment officer will help you reach your goals by using our extensive research and financial analysis tools. We will sit down with you to develop focused objectives keyed to your income needs, tax situation, other holdings and tolerance for risk. Then we provide continuing asset management service based on your income or growth objectives. Please email or visit one of the Trust and Financial Services Department Officers at the Main Office to determine if which option is appropriate for you and what Hilltop National Bank can provide.

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