Irrevocable Trusts
An irrevocable trust places assets beyond the reach of creditors, lawsuits, and estate taxes. It is one of the most powerful tools available for high-net-worth individuals, professionals with litigation exposure, and families with long-term wealth preservation goals.
- Shield assets from creditors and lawsuits
- Reduce your taxable estate
- Preserve wealth for your heirs
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What Is an Irrevocable Trust?
An irrevocable trust is a legal arrangement in which you transfer assets to a trustee and, unlike a revocable trust, generally cannot modify or cancel it after creation. Once assets are placed in the trust, they are no longer legally yours.
That transfer is exactly what makes the trust effective: because the assets are no longer in your estate, they are shielded from estate taxes, creditor claims, and most legal judgments against you personally. The trustee holds and manages them for the benefit of your named beneficiaries.
An irrevocable trust moves assets out of your estate, and out of reach of creditors, lawsuits, and estate taxes.
What you place in it is no longer counted as yours, and that is exactly what protects it.
Key Benefits
An irrevocable trust trades flexibility for protection. In return for giving up direct control, you gain advantages a revocable trust cannot provide.
Reduce Estate Tax
Removes assets from your taxable estate, reducing potential estate tax liability.
Shield From Creditors
Protects assets from creditors, lawsuits, and bankruptcy proceedings.
Shift Income Tax
Income generated by trust assets is no longer part of your personal tax liability once transferred.
Protect Beneficiaries
Provides a structure for protecting beneficiaries who are not ready to manage assets directly.
Medicaid Planning
Can be used to help qualify for Medicaid while preserving assets for your heirs.
Avoid Probate
Allows assets to transfer to beneficiaries outside of probate.
Work directly with Travor Moses
Travor Moses is an estate planning and elder law attorney licensed in Idaho, California and Florida. When you reach out, you work with him directly, not a call center or an intake queue.
He explains your options in plain language and builds a trust around your family and your goals, not a fill-in-the-blank template. Initial consultations are always free.
Meet TravorTypes of Irrevocable Trusts
The right structure depends on your assets, your exposure to risk, and your goals for your heirs. These are the most common.
- Special Needs Trust (SNT)
- If a family member relies on government benefits such as SSI or Medicaid due to a disability, an SNT lets you provide supplemental support without disqualifying them. A properly structured SNT keeps assets outside the program’s income and asset calculation.
- Irrevocable Life Insurance Trust (ILIT)
- An ILIT holds a life insurance policy outside your taxable estate. The death benefit passes to your beneficiaries free of estate tax, and the trustee can control how and when the funds are distributed.
- Charitable Remainder Trust (CRT)
- A split-interest trust that pays you or your beneficiaries an income stream for a set number of years, with the remainder passing to a named charity. It provides an immediate charitable deduction and suits donors with appreciated assets.
- Domestic Asset Protection Trust (DAPT)
- Available in certain states, a DAPT lets you be both grantor and beneficiary while still receiving creditor protection. Idaho permits DAPTs, making this a particularly relevant option for clients in North Idaho.
Why Work With Us
Thoughtful Guidance
We help you understand how each trust structure works and whether it fits your goals, in plain language.
Personalized Strategies
Each plan is tailored to your assets, your exposure to risk, and your long-term priorities.
Long-Term Perspective
We help you maintain a plan that stays effective as your circumstances change.
Multi-Region Experience
Licensed in Idaho, California and Florida, including Idaho’s favorable DAPT statutes.
Not Sure Which Trust You Need?
Travor Moses will give you a direct, practical recommendation during a free consultation.
More About Irrevocable Trusts
Irrevocable trusts are powerful but complex. They require careful structuring, ongoing administration, and a clear understanding of what you are giving up. They are not appropriate for everyone, and the right structure depends heavily on your specific assets, your exposure to legal or financial risk, your estate tax situation, and your long-term goals for your heirs.
Travor Moses will evaluate your circumstances during a free consultation and give you a direct, practical recommendation on whether an irrevocable trust makes sense and which type is most appropriate.
Irrevocable trust laws vary significantly by state. Moses Estate Planning structures trusts that comply with the specific requirements of Idaho and California, including Idaho’s favorable DAPT statutes that allow self-settled asset protection trusts.
Serving Families in Idaho and California
Travor Moses structures irrevocable trusts that comply with each state’s requirements, in person and remotely.
Protect What You Have Built
An irrevocable trust can shield your assets from risks you cannot always predict. Travor Moses offers free consultations to help you understand whether it is the right tool for your situation.