Almost Home Money Guide

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Okay, first let me say that we don’t sell you a Business Trust. Below is a summary of what they are and what they do. We like them because of the anonymity and protection set up by them. They got a bad ‘rap’ when a bunch of people  people claimed that because they are a Constitutional Trust (Third Amendment) not an IRS Statutory Trust that they don’t come under the IRS Statutes and are not taxable. We are definitely NOT saying that. We are talking privacy, hedge against identity theft, and the fact that they last past your death to infinity without inheritance taxes.


The gentleman that offers them to you has done years of research and  has written a wonderful article on them. Here it is and it includes how to get a Trust from him.  We're going to show you how to effectively use them.



Along with the benefits listed in the Summary above, we particularly are looking at the Asset Protection provided by the Business Trust. We have been in the Asset Protection Business for over 40 years. What we will show you is something that we used to do with Corporations. The hard part about using Corporations is that the average person does not have the accounting skills to be effective. And there are added benefits of a Business Trust which we cannot do with a Corporation or a statutory trust.

  1. Business Trusts are extremely private and the Certificate Holders are not listed anywhere.

  2. Unlike most Statutory Trusts, people who are not married to each other can both be Certificate Holders and Trustees.

  3. The Trust essentially owns itself providing stability for generations.

  4. If a Trustee dies, the Successor Trustee simply takes over. There is no will, no probate, and no inheritance taxes. Like a good corporation it continues. Unlike a Corporation you will not find yourself business partners with the heirs of your partner!


In order to maintain privacy and protect your assets from lawsuits and long forgotten relatives, we recommend that you domicile your Trust in a State with no income tax and that you get an LLC (limited Liability Company) to deal with the world.  An LLC files a tax return, but the profit/loss flows through to the Trust.  You then have different LLC’s for different things that you are going to do. Each LLC is an entity of its own and what affects one will not affect the others.  The Organization charts shown here are much simpler and will help to compartmentalize the accounting issue. You really only need one LLC, but if you are doing different businesses as it shows in the chart, you will need the layering protection.


Using two trusts to protect your assets is a technique used by Corporations for decades. One Corporation (Bank) owns the assets, then they lease the physical assets and loan money to the second (Operating) Corporation. If there is a problem of any kind (product default, labor problems, Lawsuits) then the Operating Corporation simply folds and the Bank Corporation funds another company. In our scenario, the Personal Bank Trust (through its Bank LLC) holds the cash, loans it to the Main Trust or it’s LLC’s, files UCC liens against the Trust or LLC (see your basic training) and never deals with anyone except the Main Business Trust.*


*If you are going to give money to friends/relatives, instead of cash give them a mortgage on their existing home or on new home. That way there are no tax consequences. Give them a gift each year of no more than $10,000 by writing it off of the mortgage.

Then there is the scenario of either supporting someone, or passing on your legacy to more than one person (Called Child for clarity). Depending upon your intentions, start a new Trust whose certificate holders are your Trust and the Child. Because of ownership, your Trust and the new Trust can pass money back and forth with no tax consequences. This will enable you to either:

  • Give it monthly income

  • Give it an investment that will produce monthly income

  • Pass through the Child's share of your Trust upon your death, if you want to divide things up between people.


Obviously keeping your wealth intact makes for stronger growth, but you need a Successor Trustee to follow your wishes. This is one of the reasons that Trust Departments in banks are there. They follow instructions forever. The unfortunate thing about them is that they follow instructions forever and can’t change things too much with the economy. That’s why separating Your Trust between your children may be the best way.


We are here to give you ideas. We want you to make informed decisions, but you need to know what your intentions and long term goals are. Wealth comes with responsibilities that we do NOT take lightly. If you need someone to talk to, feel free to contact us by email and one of our people will get back to you. But remember, we will NOT tell you what to invest in, only help you to get your own wishes together.  

And remember, with every windfall, give back or pay it forward. And remember our creed –

Give a man a fish, you feed him for a day…

Teach a man to fish, you feed him for a lifetime.”