Needs Change.
Are Your Plans Keeping Up?
Our wealth preservation experts are here for every step.
Get a Complimentary Review of Your Will and Estate Plan
Life changes, and so do priorities. Reviewing your estate plan can help you address potential gaps – and take steps to protect your family and legacy.
Designate ENB as the trustee or successor trustee for a revocable, irrevocable, testamentary, charitable, or special needs trust.
Engage ENB to manage your investments in keeping with your defined goals and strategy.
Appoint a guardian to manage property for minors or incapacitated individuals.
Establish an account for the safekeeping of investments, financial record keeping, and tax reporting.
Empower ENB to make legal and financial decisions on your behalf in the event of your illness or disability, according to your wishes.
Value of Early Planning
Don’t put off this key step. Meet with our local experts to discuss your will and estate plan, how you want your estate to be settled in the future, and strategies for preserving wealth.
Schedule Your Free Consultation
Whether you're ready to start planning or want to review your will together, we’re here for you. Use this form to contact a team member or call us at
(717) 733-6576.
Powerful Tools for Wealth Preservation
Gain peace of mind and shape your legacy. ENB Wealth Solutions can provide the resources to address your priorities, both during and after your lifetime.
A Trust Can Be Key
With a trust, you can designate professionals to manage assets on your behalf or for the benefit of others. One of these options – backed by our knowledgeable team – can help align your strategy with long-term goals.
With this arrangement, you retain the right to amend or discontinue your trust at any time.
- Ensure active management of your assets to help your funds last throughout your lifetime.
- Have bills and taxes paid on your behalf.
- Protect against fraud and potentially reduce your tax burden.
- Help with the transition to a retirement community.
- Facilitate the setup of a testamentary trust upon death.
- Carry out your wishes for planned giving.
Primary source of funding: accumulated assets.
With this approach, you permanently transfer ownership of assets to the trust, giving up control of these assets. With a well-planned irrevocable trust, you can:
- Remove assets from your taxable estate, potentially lowering estate taxes upon death.
- Help protect assets in the trust from future claims or risks by relinquishing ownership.
- Specify terms for how, when, and under what conditions your beneficiaries receive assets.
- Provide a structured income stream for loved ones.
Primary source of funding: accumulated assets, real estate, life insurance death benefits.
Donate to your preferred charity or organization after your death.
- Transfer assets in your estate in a manner that aligns with your wishes.
- Designate a professional trustee, such as ENB, to avoid the pressures and discord that can come with making a family member the trustee.
- Prevent heirs from squandering their inheritance.
- Help reduce the chances that your will is contested.
Primary source of funding: assets held by an estate, life insurance death benefits.
Donate to your preferred charity or organization, either during your life or after your death. Options include:
- Charitable Remainder Trust — Provides a stream of income to you for a set period or for life. After that, remaining assets in the trust go to a designated charity.
- Charitable Lead Trust — Provides a charity with income for a specified period. After that, remaining assets return to you or other beneficiaries
- Charitable Gift Annuity — A non-trust arrangement where a donor transfers assets to a charity in exchange for a fixed annuity payment for life.
Primary source of funding: accumulated assets.
Provide financial support for a family member with physical or mental impairments.
- Ensure that designated funds are protected and available to meet their needs throughout life.
- Make sure these funds are only used to support this beneficiary.
- Help avoid jeopardizing your loved one’s ability to receive government benefits.
Primary source of funding: lawsuits or settlements, accumulated assets, Social Security, disability payments.
With this arrangement, you retain the right to amend or discontinue your trust at any time.
- Ensure active management of your assets to help your funds last throughout your lifetime.
- Have bills and taxes paid on your behalf.
- Protect against fraud and potentially reduce your tax burden.
- Help with the transition to a retirement community.
- Facilitate the setup of a testamentary trust upon death.
- Carry out your wishes for planned giving.
Primary source of funding:
accumulated assets.
This type of trust can’t be modified after creation — ideal for asset protection or estate tax reduction.
Created by your will, it only takes effect after your death and can outline how your assets are distributed.
Used to support charitable organizations, often offering tax benefits while fulfilling philanthropic goals.
Designed to provide for individuals with disabilities without affecting their eligibility for public assistance.
Supporting a Smooth Process
As you’re developing, monitoring, and evolving your plan, you want the high-touch engagement that comes from an accessible local expert. ENB’s team:
- Acts as a partner in developing an investment and legacy strategy aligned with your goals.
- Coordinates all parties needed to create a framework that gives you peace of mind knowing your wishes will be carried out exactly as planned.
- Works closely with your family to ensure they understand your plan, how it will impact them, and how it will carry forth your legacy. We are always a phone call, email, or visit away.
Connect with Our Experts
Get the guidance, knowledge, and high-touch support you deserve – from a trust services partner that has served
local families and organizations for generations.
Frequently Asked Questions About ENB Wealth Solutions
- Sitting down together to discuss how you want your assets distributed after your death
- Developing an investment strategy aligned with your goals
- Coordinating closely with your attorney, accountant, and other parties
- Getting to know your family and helping them understand your estate plan and what it means for them
- Trust services – Designate ENB as the trustee or successor trustee for a revocable, testamentary, charitable, or special needs trust.
- Investment management – Engage ENB to manage your investments in keeping with your defined goals and strategy.
- Guardianship – Appoint a guardian to manage property for minors or incapacitated individuals.
- Custodianship – Establish an account for the safekeeping of investments, financial recordkeeping, and tax reporting.
- Power of attorney – Empower ENB to make legal and financial decisions on your behalf in the event of your illness or disability, according to your wishes.
At ENB Wealth Solutions, we recommend starting the planning process as soon as possible, both for your peace of mind and the financial security of your loved ones.
Life is unpredictable. If you were to die or become incapacitated, delayed or insufficient planning could lead to problems in settling your estate – such as delays, added expenses, and decisions being made by the courts instead of you.
With a solid estate plan and the right team, you can rest easy knowing that your plans are aligned with your goals, your assets are expertly managed, and your wealth and legacy will be in good hands.
Frequently Asked Questions About Trusts
- Avoid the probate process – After you die, assets added to your trust during your lifetime can be transferred to heirs smoothly, promptly, and privately. This creates an easier experience for your loved ones versus settling your estate via the courts.
- Protect beneficiaries – You can help ensure that your wealth is transferred to minors, dependents, or financially inexperienced heirs – in a responsible way – by using a trust to distribute assets according to terms you’ve defined.
- Promote tax efficiency – In coordination with professionals such as your tax advisor, certain trusts can be used to help minimize tax consequences for your estate.
- Simplify business succession – A trust can support business continuity by providing a clear succession plan, separating business assets from your personal assets, and outlining how ownership will be transferred.
- Prepare for the unexpected – Along with designating a durable power of attorney, having a trust helps ensure your affairs will be managed according to your wishes if you become incapacitated due to an illness or accident.
- Revocable trust – This arrangement lets you continue to manage your assets during your lifetime, and you can amend or discontinue the trust at any time. By setting up a revocable trust with an experienced trustee such as ENB Wealth Solutions, you can rely on professionals to help with day-to-day administrative tasks (such as paying bills), actively manage investments on your behalf, help simplify your finances as you transition to a retirement community, and ensure your assets will be managed according to your wishes after your death.
- Testamentary trust – This trust is established by your will, takes effect after your death, and can be funded by assets in your estate or life insurance death benefits. It can enable better control of how your assets are distributed – for example, to ensure younger heirs don’t mismanage their inheritance or to avoid family squabbles by appointing a professional trustee to manage the process.
- Charitable trust – Various forms of charitable trust can provide a financially efficient way to donate assets to organizations you care about – such as a school, a church, or charitable organizations – both during and after your lifetime.
- Special needs trust – To ensure the financial security of a family member with physical or mental impairments, you can set up a special needs trust to protect and manage assets for their benefit. These trusts can have a variety of funding sources, and they can help to avoid jeopardizing the beneficiary’s eligibility for government benefits.
The trust that is right for you will depend on your goals, family circumstances, and other factors. ENB’s team of wealth preservation experts is here to answer your questions and provide guidance specific to your needs.
- Investments are not FDIC insured, are not deposits or other obligations of the bank or guaranteed by the bank, involve risks, including possible loss of principal amount invested. Fees for ENB Wealth Solutions services are based on the degree of responsibility assumed by the department, the market value of the assets assigned to the account, and the amount of income earned. In most cases, fees may be deductible for income or estate tax purposes. Speak with one of our wealth preservation experts for details.
