Team photo
Centuria Financial Group


David P. McCabe,


Financial Planner, Prudential Advisors


Jason M. Bowers,


Financial Planner, Prudential Advisors


Nathaniel D. High, RICP®

Financial Planner, Prudential Advisors


Nicholas Over

Financial Planner, Prudential Advisors


Hillary K. Walsh

Client Relations Manager, Prudential Advisors


Centuria Financial Group

2333 Baltimore Blvd Suite B

Finksburg, MD 21048


Phone:  443-952-7232

July/August 2022

Trusts: Helpful Planning Tools

Trusts Helpful Planning Tools

You may think you have to be very wealthy to include a trust in your estate plan. But even individuals with modest assets may find trusts to be useful for providing more control over how and when assets are distributed to beneficiaries. Here is a brief overview of some of the estate planning objectives you can accomplish using a trust.

Distribute Assets Over Time
You can control how assets are passed to loved ones who may lack financial experience by setting up a trust designed to distribute assets in stages instead of in a lump sum. Alternatively, a trustee may be instructed to ensure that distributions are used only for essential needs.

Ensure Privacy
Placing assets in a living trust allows you to avoid the probate process and transfer assets to beneficiaries privately.

Prevent Unintentional Disinheritance
In blended families, a trust can be used to distribute assets to a decedent’s biological children following the death of the second spouse.

Provide for Disabled Children or Relatives
A special need trust can ensure that assets benefit a disabled beneficiary without causing a loss of government benefits, such as health care and housing.

Appoint a Financial Fiduciary
Couples or individuals without children or other family may want to set up a trust and appoint a trust company to manage their financial affairs should they become unable to do so.

Give to Charity
You can use a trust to make charitable donations while still providing for loved ones. There are many ways to structure a trust. Be sure to consult an attorney who specializes in estate planning for guidance.



Enter your Name and Email address to get
the newsletter delivered to your inbox.

Please include name of person that directed you to my online newsletter so I can thank them personally.


Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.

Life insurance is issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. Centuria Financial Group is not affiliated with Prudential Financial. Centuria Financial Group sells insurance products of Prudential Financial's affiliated insurance companies in addition to products of non-affiliated insurance companies. Centuria Financial Group is authorized to sell and service certain insurance products of Prudential Financial companies as well as use this material. Centuria Financial Group and its representatives do not give tax or legal advice. Please consult with your own advisors regarding your particular situation. Offering financial planning and investment advisory services through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255. Prudential Advisors is a brand name of The Prudential Insurance Company of America and its subsidiaries. Hillary K. Walsh is employed by David McCabe and not The Prudential Insurance Company of America or its subsidiaries.
Centuria Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.