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Michigan Trust Lawyer – Revocable & Irrevocable

You Can’t Predict the Future–But a Trust Can Plan for It.

Not all trusts are created equal. Whether you’re looking to avoid probate, protect assets, or prepare for long-term care, we’ll help you decide what kind of trust is right for your situation—and build it and ensure it's funded the right way from day one.

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Not Sure What Kind of Trust You Need?

Understand the Difference Between Revocable and Irrevocable Trusts

Choosing the right kind of trust depends on your goals. At Rutkowski Law Firm, we explain your options in plain English and help you make the best choice for your family, your assets, and your future.

Revocable Living Trust: The most common type of trust. Helps you avoid probate and maintain full control of your assets while you’re alive.
Irrevocable Trust: Used for asset protection, Medicaid planning, or minimizing estate taxes. Once created, its terms are harder to change.
Which One Do You Need?: It depends on your goals—whether that’s avoiding court, protecting from lawsuits, qualifying for benefits, or reducing taxes. We’ll help you decide.

Two roads diverge in a wooded area, representing the choice between revocable and irrevocable trusts

Comparison

Revocable Trust vs. Irrevocable Trust

Both types of trusts help you plan for the future—but they serve different purposes. Here’s how they compare, and why the right choice depends on your goals.

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Revocable Trust vs. Irrevocable Trust
	Revocable Trust	Irrevocable Trust
Purpose	Simplifies inheritance and avoids probate while keeping full control during lifetime	Protects assets from lawsuits, creditors, and long-term care costs
Can You Change It?	✅ Yes — you can amend or revoke at any time	❌ No — changes are limited once the trust is created
Asset Protection	❌ No — assets are still considered yours and are exposed	✅ Yes — assets are legally removed from your personal ownership
Medicaid Planning Use	❌ No — revocable trusts do not protect assets for Medicaid	✅ Yes — helps protect your home and savings from nursing home costs
When It Takes Effect	Immediately during your lifetime and after death	Immediately, but with limited access and control
Best For	Families who want flexibility and to avoid probate	Families who want asset protection, Medicaid eligibility, or tax planning

Purpose

Revocable Trust: Simplifies inheritance and avoids probate while keeping full control during lifetime

Irrevocable Trust: Protects assets from lawsuits, creditors, and long-term care costs

Can You Change It?

Revocable Trust: ✅ Yes — you can amend or revoke at any time

Irrevocable Trust: ❌ No — changes are limited once the trust is created

Asset Protection

Revocable Trust: ❌ No — assets are still considered yours and are exposed

Irrevocable Trust: ✅ Yes — assets are legally removed from your personal ownership

Medicaid Planning Use

Revocable Trust: ❌ No — revocable trusts do not protect assets for Medicaid

Irrevocable Trust: ✅ Yes — helps protect your home and savings from nursing home costs

When It Takes Effect

Revocable Trust: Immediately during your lifetime and after death

Irrevocable Trust: Immediately, but with limited access and control

Best For

Revocable Trust: Families who want flexibility and to avoid probate

Irrevocable Trust: Families who want asset protection, Medicaid eligibility, or tax planning

Our Process for Helping You Choose and Create the Right Trust

We walk you through each step—from defining your goals to funding your trust—so you’re confident in your plan and protected from every angle.

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Step 1

Step 1: Discovery Call

We learn about your family, goals, and concerns
We assess whether a revocable or irrevocable trust makes the most sense for your situation

Step 2

Step 2: Trust Design & Drafting

We design a trust around your life—not just legal forms
Your attorney walks you through all key decisions, terms, and tax implications

Step 3

Step 3: Signing & Funding Your Trust

We finalize your trust documents and help ensure your assets are properly titled or transferred
Ongoing support is available for future updates or funding help

Estate Planning Guide

Estate Planning is an essential process that will protect your assets and ensure you’re your estate is distributed according to your wishes after your death.

Many people make mistakes when creating their estate plan, which can lead to unnecessary stress, confusion, and costly legal battles for their loved ones. Below, our estate planning team put together the top 10 and most common mistakes we see in estate planning.

Screenshot of Top 10 Estate Planning Mistakes

Common Questions About Types of Trusts

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Meet Your Leadership Team

Whether you need a will, trust, asset protection plan or are in need of medicaid crisis planning, our team is here to help! We are dedicated to providing you with the best legal representation possible. Call us today to book your consultation.

Meet the Whole Team

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With offices in Rochester and Bloomfield Hills, we’re proud to serve families throughout Michigan. Prefer virtual? We offer video consultations for estate planning, so you can plan from the comfort of home.

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“Their whole team was amazing to work with! The attorneys were very knowledgeable and made it easy to understand. We chose virtual planning process option because it was so much more convenient with my work schedule but they offered to meet in person too of we didn't do zoom. Highly Recommended!”

Whitney Ollila