Retirement & annuities
Getting to retirement, and making it last once you are there
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Wealth
Fiduciary, trusts & estate planning
Deciding now what happens later, and writing it down properly
Overview
Wills, trusts, estate administration and succession planning. Drafting and safe custody of your will costs nothing when HBI Trust Company is named as executor.
Most estate problems are not tax problems. They are liquidity problems, or a will that was never updated after a divorce, a death or a move abroad. We review yours every two years for exactly that reason.
Why HBI
One relationship, one fee, in writing
Wealth clients deal with one named banker across banking, credit, investments and fiduciary matters. That person knows your full position and does not need to be briefed each time you call.
We charge a single annual fee stated in dollars, take no commission from product providers, and manage every portfolio to a mandate you have read and signed.
What you get
Everything that is included
The full list, not the highlights. If something is not here, it is not included.
Features
- Will drafting, safe custody and a secure register of your assets
- Estate settlement from probate through to final distribution
- Revocable living trusts, irrevocable trusts and testamentary trusts, with ongoing administration
- Independent trusteeship for family and special needs trusts
- Estate tax and liquidity planning, including buy-sell agreements
- Cross-border succession advice alongside our international team
What you need to qualify
- Open to all HBI clients; free drafting requires naming HBI Trust Company as executor
- Trust formation requires a grantor, trustees and identified beneficiaries
- Estate administration requires the original will and death certificate
- Independent trustee appointments are subject to acceptance
Not sure you qualify?Speak to a banker before applying. A conversation costs nothing and does not touch your credit report.
Pricing
Pricing
Published here, and the same figure you will see in your quotation.
| Service | Fee | Notes |
|---|---|---|
| Will drafting and custody | Free | When HBI Trust Company is named executor |
| Executor fee | From 2% of the estate | Subject to state law and court approval |
| Trust formation | $2,500 | Including the trust agreement and funding checklist |
| Annual trust administration | From 0.75% of assets | By complexity and asset type |
| Independent trustee | From $4,000 a year | Per trust |
Fees and rates are reviewed annually and published at least 30 days before any change takes effect. Terms and conditions apply.
Good to know
How we look after you
Three commitments that apply to every wealth product, this one included.
Reported after fees
Performance is shown quarterly, net of every fee, against the benchmark in your mandate. Gross figures sit beside it so you can see what the fee costs.
Held in your name
Investments are registered to you with an independent custodian. They are not on our balance sheet and are not available to our creditors.
Reviewed on a schedule
Your mandate is reviewed every year and your will and structures every two, or sooner after a marriage, a death, a sale or a move abroad.
Questions
Questions clients actually ask
If yours is not here, a banker will answer it directly.
Your estate is distributed under your state’s intestacy laws, which may not reflect your wishes at all, and a court appoints an administrator. For unmarried partners in particular, the outcome is often severe.
Sometimes. Trusts help with succession, protection and continuity, but they carry administration cost and compressed income tax brackets. We model whether it is worth it in your case rather than assuming it is.
Nine to eighteen months for a straightforward estate. Delays usually come from the probate court, tax filings or real estate sales rather than from the executor.
Federal estate tax applies at up to 40% on the amount above the federal exemption, which is $15 million per person in 2026. Bequests to a surviving spouse are generally exempt, and some states levy their own estate or inheritance tax at much lower thresholds.
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Ready to take this further?
Apply online in about ten minutes, or ask a banker to call you at a time that suits.