Revocable living trust
The trust holds the assets you choose to transfer and gives your successor trustee a clear plan to follow if you become incapacitated or when you pass.
Estate Planning
Revocable Living Trust
Keep your estate out of court, protect your family's privacy, and stay in control for as long as you live.
A revocable living trust is the most flexible and private way to pass your estate to the people you love. Unlike a will, it works entirely outside of court - which means your family avoids the cost, delay, and public exposure of Missouri probate. You stay in full control during your lifetime, and your successor trustee steps in seamlessly if you become incapacitated or when you pass.
Schedule a Consultation →Why most families need more than a will
A will is a starting point - but it has real limitations. It only takes effect at death, it doesn't protect you during incapacity, and every asset it covers must pass through Missouri probate court before your family sees a dollar. Probate is public. It takes time - often six months to a year. It costs money. And it happens at the worst possible moment for your family. A revocable living trust solves all of that. Assets held in a properly funded trust pass directly to your beneficiaries - no court, no waiting, no public filing. If you become unable to manage your finances, your successor trustee steps in immediately, without a court-ordered conservatorship.
- Avoid probate entirely
- Keep your estate private
- Protect yourself during incapacity
- Control how and when assets are distributed
- Hold assets for minor children or a beneficiary with special needs
- Coordinate assets across multiple states
What is included in a complete trust package?
A revocable living trust is most useful when it works as part of a complete plan rather than as a stand-alone document. For most families, that package includes the trust, a pour-over will, powers of attorney, clear instructions for funding the trust, and guidance for keeping the plan current as life changes. Together, these pieces help your family manage assets during incapacity, avoid unnecessary probate, keep private matters out of a public court file, and make sure the right people are in charge when it matters most.
Pour-over will
The will acts as a safety net for assets not transferred into the trust and lets you name a guardian for minor children.
Financial powers of attorney
A power of attorney lets someone you trust step in and act on your behalf if you become incapacitated.
Healthcare decision documents
Healthcare planning helps the people you trust make medical decisions and communicate your wishes when you cannot speak for yourself.
Trust funding guidance
Retitling real estate, bank accounts, and investment accounts is what turns the trust from a document into a working plan.
Ongoing plan review
A new child, divorce, move, or significant change in assets can affect your plan, so review keeps the documents aligned with your life.
How We Help
What working with us looks like
Understanding your situation
Heirloom starts by listening. Your family structure, your assets, your concerns - those details determine what kind of trust makes sense and how it should be structured. There's no template, no checklist to run through. The goal is a plan that fits your life.
Drafting the trust
We draft a trust that names your successor trustee, your beneficiaries, and the terms under which assets are distributed. If you have minor children, a blended family, or a beneficiary with special needs, those circumstances shape every decision in the document.
Funding the trust
A trust that is never funded is an empty shell. Funding means retitling your assets - real estate, bank accounts, investment accounts - into the name of the trust. We walk every client through this process as part of the engagement, because an unfunded trust will not avoid probate.
Ongoing support
Life changes. When it does - a new child, a divorce, a move, a significant change in assets - your trust may need to be updated. We are available to review and amend your plan as your circumstances evolve.
Common Questions
Common questions
What is the difference between a will and a trust?
A will takes effect at death and must go through probate court. A revocable trust takes effect immediately, avoids probate entirely, and also protects you during incapacity. Most complete estate plans include both - the trust handles the bulk of your assets, and a pour-over will catches anything that wasn't transferred into the trust.
Can I change a revocable trust?
Yes. A revocable trust can be amended or revoked at any time while you're alive and have capacity. You remain in full control. The trust only becomes irrevocable at your death.
Do I still need a will if I have a trust?
Yes. A "pour-over will" works alongside your trust to catch any assets that weren't transferred into the trust during your lifetime. It also lets you name a guardian for minor children, which a trust cannot do on its own.
How much does a trust cost?
Our trust-based estate plans are flat-fee and clearly priced. See our pricing page for details, or schedule a free consultation to talk through what makes sense for your situation.
How long does it take to create a trust?
Most clients have a completed, signed trust within two to four weeks of our initial meeting. Funding the trust - retitling assets - takes additional time depending on the complexity of your estate, and we guide you through every step.
Ready to get started?
Schedule a free consultation with us. We'll talk through your situation, answer your questions, and help you understand whether a trust is the right fit - no pressure, no obligation.
Schedule a Free Consultation →