Kisstrust Overview
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KissTrust is a one-of-a-kind irrevocable trust. It helps protect and provide for your children and grandchildren by putting a modest gift in trust when they're very young. With KissTrust, hundreds can become tens of thousands and thousands, can become millions.
The projected value of a KissTrust doesn't depend on investing gimmicks or exceptional returns. It works because of time. Allowed to compound for many years, your small gift can become a substantial legacy. A single – one time - KissTrust gift of $2,500 at birth, using the tax-deferred annuity option, could become $1.3 million by age 65. KissTrust also has great flexibility. Using the available early distribution options funds can be accessed for your child's education, first-time home purchase, or other designated ages.
Seem "too good to be true?" It's not. The ultra-wealthy have been doing this for years for their children, but at a cost and complexity that is practical for only very large trusts. Designed by a team of financial and legal professionals for their own children and grandchildren, KissTrust makes this powerful tool available to the rest of us with small initial contribution, turnkey set-up and very low costs. Also, KissTrust is also designed to prevent loss to creditors, divorce or bankruptcy using powerful asset protection features. Additionally, KissTrust allows you to make ongoing gifts.
KissTrust’s patent pending features makes it simple and inexpensive to create a secure trust that could be one of the most meaningful legacies you leave with loved ones.
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The KissTrust - particularly when funded with the tax-deferred annuity option - leverages the power of long-term, compounded growth. Its success doesn't depend on some secret investment trick or "too good to be true" yields. This is an old-fashioned, long-term strategy for building wealth. We've just made it affordable and simple to establish and maintain.
Compound interest means that every bit of interest earned in turn earns its own interest, over and over again for years. The KissTrust time horizon is so long that the initial assets in the fund can multiply themselves many times over. See for yourself using one of the KissTrust calculators.
With the tax-deferred annuity option, the KissTrust also grows tax-deferred, allowing an even faster build-up of wealth over time. Annual taxes, and the cost of filing tax returns, are avoided until distributions are made.
KissTrust uses the same foresight Benjamin Franklin had when he put 1,000 pounds in trust, for each Boston and Philadelphia. Those trusts have financed numerous projects and programs over the centuries and have grown into millions of dollars in assets.
Note - Early distributions will reduce the ultimate value of the trust and may reduce the protection of third-party claims.
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it is low-cost so that even a small gift can start a KissTrust
it is simple to establish, operate and administer
early distributions are available for things such as education, first time home purchase, or other designated ages
it can provide the Beneficiary with significant future income
it becomes valuable because of long-term compounded growth
if invested in a tax-deferred annuity, trust earnings are tax-deferred until withdrawn
its assets are protected from bankruptcy, divorce, early withdrawal and creditors
unlike UGMA's and UTMA's, the Beneficiary cannot access the assets by merely obtaining the age of 21 (18 in some states)
unlike Social Security, the KissTrust can be passed on to the Beneficiaries heirs
And remember the old saying:
“From Little Acorns Mighty Oaks Grow!”
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KissTrust was developed to protect the assets from early withdrawal by the child and from the claims of ex-spouses in divorce or creditors during bankruptcy.
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A KissTrust may be established by anyone, for anyone...
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by a parent for a child
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by a grandparent for a grandchild
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by an uncle or aunt for a niece or nephew
It's as easy as 1...2...3...
Step 1 Creation
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Collect the required information. Printable list of data.
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Complete the 20 minute online application process
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Pay the onetime $199 set up fee ($99 for each additional trust)
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Fund the trust as and when you desire
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It's as easy as 1...2...3...
Step 1 Creation
- Collect the required information Use this link for a printable list of the required information.
- Complete the 20 minute online application process
- Pay the onetime $199 set up fee ($99 for each additional trust)
- Fund the trust when and as you desire
Step 2 Accumulation and Growth
- The trust leverages the power of long-term compounded growth. See for yourself what the KissTrust benefits might be in your case by using this link for the KissTrust Calculator.
- The assets of the trust grows tax-deferred (with the tax-deferred annuity option)
- The assets are protected from creditors, ex-spouses, bankruptcy, and youthful impulses
- Assets may only be used for their intended purposes
- You can self direct the assets or the assets can be automatically directed using Asset Allocation (within the tax-deferred annuity option)
Step 3 Distribution
- You are able to customize when and how KissTrust distributions are made
- Distribution options allow you to choose when either a specific dollar amount or percentage of the trust's assets may be withdrawn before trust maturity. Early distribution's can be appointed for education, first time home purchase or other designated ages.
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It's never too late to open a KissTrust... even for an older child!
A KissTrust may be established at any age...for an infant, a teenager or even a grown child. Of course, the earlier in life the KissTrust is established - the more valuable it will become.
Although establishing a KissTrust for your child as an infant is ideal, it is not always possible or necessary. Approximately 1/3rd of all KissTrusts are created for children between the ages of 12 and 21.
Consider making larger contributions for older children so that their KissTrust benefit can equal that of their younger siblings. See for yourself what the KissTrust benefits might be in your case by using one of the KissTrust calculators.
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Before KissTrust, establishing an irrevocable trust fund was an expensive endeavor. First, to create the trust, you had to incur thousands in legal fees. Then, trustee fees would cost thousands of dollars annually.
A random survey involving 50 of the Nation’s largest independent trust companies concluded that the average minimum annual trustee fee is $3,720 for irrevocable trusts. If a trust is established at birth and grows until the beneficiary reaches the age of 65, a cumulative total of $241,800 would be withdrawn from the trust to cover annual trustee fees.
So you might ask who has the kind of money to spend nearly a quarter million dollars in just the base fees over the life of a trust. Well, this is why traditionally only the ultra wealthy have used irrevocable trusts. So how can the rest of America protect the future financial security of their families without these exorbitant fees? Fortunately, with KissTrust, now there is a way to make use of the power of an irrevocable trust without any annual trustee fees or ongoing contribution fees.
Let’s see how:
If you take just one year’s average fee of $3,720 and made a single contribution in a KissTrust at the birth of a child it could be worth $2,035,000 at age 65.
To illustrate even further, if you added another $3,720 annually for 18 years (the amount you would have otherwise paid in trustee fees) the trust could be worth and amazing $22,448,000 upon age 65.
KissTrust breaks the cost barrier and allows average American families to fund their loved ones future financial needs for less than what it would cost for trustee fees alone.
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Many think Social Security will be significantly reduced or limited in the future. Monthly payments may be lower and may not start until a later retirement age. Workers are not guaranteed the right to draw out as much as they have put in over the years, and upon their death the entire benefit is lost if there is not surviving spouse. See how KissTrust compares to Social Security.
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You probably have not given much thought to investing in your child or grandchild's long-term financial future.
However, the incredible growth that an extra 25 years of compounding can provide is a compelling reason to give every child that head start.
In fact, the benefit of giving your loved one a financial head start was addressed in an recent academic paper by Mr. Derek Klock and Dr. Ruth Lytton of Virginia Tech.
"Selma’s parents invested $3,000 per year for 5 years, from when Selma was born until her 4th birthday...Abigale invested $3,000 per year for 40 years, from age 25 until her 65th birthday. In this scenario Selma retires with over $6 million, ...while Abigale retires with nearly $1.5 million."
In Klock's example, $15,000 invested for Selma by the time she is 4 becomes $6 million for retirement. Meanwhile, Abigale diligently invests a total of $120,000 throughout her working life, but ends up with only 1/4 of Selma's nest egg -- just $1.5 million.
Even more surprisingly, a single - ONE TIME - $3,000 investment at Selma's birth would roughly equal Abigale's 40 years of investing $3,000 a year. We are not kidding when we say "They have the time, you have the money".
Last, consider Klock's example of gifting into a trust $3,000 a year for 5 years starting at birth. You could give your loved one:
- $60000 for college ($15,000 / year for 4 years)
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- $30,000 for a first time home purchase
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- $2,200,000 at age 65
Better than a 529 or UTMA, KissTrust offers you a quick, easy and simple way to provide for your loved ones total financial future.


