Delaware Trust Services

Flexible wealth preservation strategies

Specialty structure for complex needs

Your financial success comes from a lifetime of complex, connected decisions, and your wealth preservation strategy is no different. The First Citizens Delaware Trust Company team is ready to provide you with personalized guidance on the flexibility, privacy and tax efficiency of Delaware trusts to preserve your legacy.

Delaware Trust At A Glance
More than a legacy

Creating an effective Delaware trust requires more than establishing the structure. A dedicated team will work with you to leverage the strengths of a Delaware trust to your advantage.

  • Strategic design

    The right structure will align your specific family dynamics, business interests and long-term objectives.

  • Focused support

    Our Delaware trust professionals understand your business, share your values and adapt to your changing circumstances.

  • Continuous collaboration

    Ongoing management and review ensures the structure can adapt to your family's evolving needs.

Delaware Trust Benefits
Benefits and considerations for grantors

Flexibility for dynamic wealth accumulation

The state of Delaware allows trusts to accumulate wealth across generations while providing opportunities for tax efficiency.

Control without the burden of ownership

Allocate decision-making authority on your investments while benefiting from professional trust administration and the legal protections of a Delaware irrevocable trust structure.

Privacy that protects your family's future

Delaware offers privacy protection and confidentiality to maintain discretion and safeguard your family's financial affairs from public scrutiny.

Tax efficiency that grows over time

Trust income, including capital gains, isn't subject to Delaware state income tax for nonresidents—a benefit that becomes increasingly valuable as your wealth compounds over decades.

Asset protection for professionals

A Delaware asset protection trust, or APT, allows you to be a discretionary beneficiary of your own irrevocable trust while potentially protecting assets from unforeseen creditor claims.

Estate Planning Insights
A few insights for your estate plan

Estate Planning

Help ensure your parents' legacy is protected

Start the conversation early to help aging parents make informed financial, legal and care decisions.
It pays to start discussions early with your parents to see that their plans are up to date and well documented.
Estate Planning

Are your retirement account beneficiaries up to date?

Retirement account distributions don't follow the directions in your will, so it's important to understand their effect on your retirement account beneficiaries.
Double-check your IRA and 401(k) beneficiary selections to be sure your retirement plans will be distributed as you intend.
Estate Planning

How a charitable trust works

A charitable trust packs a one-two punch, helping you provide for your family and give generously.
Placing assets in a charitable trust may help minimize income, gift and estate taxes.

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This material is for informational purposes only and is not intended to be an offer, recommendation or solicitation to purchase or sell any security or product or to employ a specific investment strategy. First Citizens Delaware Trust Company ("FCDT"), a division of First–Citizens Bank & Trust Company, does not represent, warrant or guarantee that this material is accurate, complete or suitable for any purpose or any investor and it should not be used as a basis for investment decisions. It is not to be relied upon or used in substitution for the exercise of independent judgment. Third parties mentioned are not affiliated with FCDT or First Citizens Bank & Trust Company.

FCDT and FCB do not provide, and nothing contained herein should be construed as, legal, tax or accounting advice. Prior to making any investment or financial decisions, an investor should consult their own legal and/or tax advisors for individualized advice that takes into account all of the particular facts and circumstances of an investor's own situation.

Investing involves risk, including the potential loss of money invested. Past performance does not guarantee future results. Your investments in securities and insurance products are not insured by the FDIC or any other federal government agency and may lose value. They are not deposits or other obligation of, or guarantee by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands and Services Offered: First Citizens Wealth ("FCW") is a registered trademark of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC and an Equal Housing Lender icon: sys-ehl, and FCDT. Trust and fiduciary services are also offered through FCDT. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency.

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