Sample Irrevocable Trust

Released abstract for demonstration. Abstracts cite. They do not conclude.

Retention / concentration: Trustee shall retain the Founder’s shares of Founder Co. except as required for taxes or as directed in a written instrument.
Distribution standard: HEMS — health, education, maintenance, and support of the primary beneficiary, as the trustee determines in its discretion.
Fee basis: Greater of the corporate trustee schedule then in effect or 0.65% of market value per annum. Wrap-fee offset is not described.
Investment authority: Prudent investor. Not a directed trusteeship on investments.
Last officer decision: Annual review completed. No HEMS distribution approved in the current period.

Book · 10 positions · synthetic weights

Holdings

Synthetic holdings for the sample irrevocable trust
Holding	Sleeve	Weight
Founder Co. Class B	Concentrated equity	38%
U.S. large-cap index	Equity	14%
U.S. Treasuries (intermediate)	Fixed income	12%
Developed international index	Equity	8%
Municipal bond fund	Fixed income	7%
Investment-grade corporates	Fixed income	6%
Short-term Treasuries	Cash equivalent	5%
REIT index	Real assets	4%
Cash	Cash	4%
Affiliate private note	Other · illiquid	2%

Proposed notes

Three recommended actions.

Approve, Reject, or Ask why. Choices stay in this browser. They are not submitted, stored, or sent.

01 · Pre-trade

Sell a slice of Founder Co. to rebalance

Proposed note: reduce Founder Co. Class B from 38% toward a 25% sleeve cap used in the model IPS. The abstract names those shares in a retention clause.

Why this note exists

The agent may propose a collision: the holding is named in the retention language, and a model-driven sale is not, by itself, “required for taxes” or a written direction. That is a note, not a ticket.

You still decide whether to recommend the trade, hold, or take the clause to the officer. r.Team does not become the trustee of record and does not place the order.

02 · Distribution capacity

Planned gift funded from the trust

Proposed note: a $40,000 gift the beneficiary wants this quarter. Standard is HEMS. Last officer decision: no distribution approved in the current period.

Why this note exists

The agent may propose a capacity memo: HEMS as written, cash on the book, and the last administrative event. A planned gift is not automatically health, education, maintenance, or support.

You still decide what you say on the client call. You do not authorize the distribution. The trustee of record does. The platform does not.

03 · Fee basis

Move the account onto an advisory wrap

Proposed note: replace schedule-plus-instrument fee basis with a wrap that offsets trustee and advisory charges. The abstract describes a greater-of schedule or 0.65% — not a wrap offset.

Why this note exists

The agent may propose a recon: instrument fee basis vs the wrap being recommended. Offset language is not in this abstract. That is a workpaper, not a Form CRS filing and not an ADV amendment.

You still decide the fee recommendation. The CCO still owns disclosure. r.Team produces the workpaper that can sit next to the recommendation.

Take the same stem to rAgent.team

Canned question: This trust retains the founder’s stock. May I rebalance?

Open rAgent.team with that question in the link. If the destination ignores the query string, paste the sentence there.

Prove on your book before anything writes. This page never writes.

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