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Dynasty Trust Structures for Multi-Generational Wealth

13 minPRO
1/6

Key Takeaways

  • Dynasty trusts leverage the GST exemption ($13.61M per person in 2024) to shelter wealth from transfer taxes across unlimited generations.
  • Without a dynasty trust, 40% estate tax at each generation reduces $27 million to under $6 million by the fourth generation.
  • South Dakota, Nevada, Alaska, and Wyoming offer the most favorable dynasty trust laws — no state income tax and unlimited duration.
  • Directed trust structures allow splitting administrative, investment, and distribution functions across different fiduciaries.
  • Trust protector provisions provide essential flexibility to adapt to future changes in law, family circumstances, and investment conditions.
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Test Your Knowledge

1.What is the GST tax rate on generation-skipping transfers above the exemption?

2.Which state is most widely considered the premier dynasty trust jurisdiction?

3.What is the role of a trust protector?