The Truth About Trusts-When a Revocable Trust Isn’t Enough

Hope your summer is off to a strong start. Whether you're catching sunsets at the lake or juggling a busy household schedule, it's a good time to check whether your estate plan is doing all it should. This week, we’re unpacking two core topics our clients often ask about: trust options and how to shield your assets legally.

In The Community

Jennifer, a client from Rochester, provided us with some feedback that we’re proud to share with you:

“Very professional and supportive as I moved through the estate planning process. Great communication and very easy to work with. They were upfront about the fee schedule. I highly recommend this firm.”– Jennifer Bruns

Jennifer’s words remind us that trust, clarity, and real support make all the difference when guiding families through estate planning.

Revocable vs. Irrevocable Trusts: What’s the Difference?

A revocable living trust gives you control while you're alive, but it won’t protect assets from creditors or long-term care costs. On the other hand, an irrevocable trust locks down assets for serious protection, but that comes with trade-offs.

• Revocable trusts avoid probate but offer no asset protection
• Irrevocable trusts can shield assets from lawsuits and nursing home spend-downs
• The right choice depends on your goals: flexibility or long-term protection?

https://www.youtube.com/watch?v=5TRk6RyfxR

Asset Protection & Legal Safeguards

Think insurance is enough? It’s not. From rental properties to retirement accounts, you need a legal structure that holds up if life throws a curveball.

• Use LLCs or trusts to insulate rental properties and business assets
• Shield your kids’ inheritance from divorce, debt, or lawsuits
• Asset protection isn’t just for the wealthy - it's for the prepared

Let’s Talk About What Matters Most

You don’t need to wait for certainty to get clarity.

If you’re unsure whether your Estate Plan fits your life, we’re here to help (no pressure at all; just a thoughtful conversation about what matters to you).

Stop by and say hi to our team on social media! We’d love to hear from you:

• Facebook –https://www.facebook.com/rutkowskilawfirm
• LinkedIn –https://www.linkedin.com/company/rutkowski-law-firm/

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Hope your summer is full of sunshine, family time, and peace of mind!