美国生前信托说明会纪要 Living Trust Seminar Summary
主题：提前规划，安心无忧—了解生前信托的力量
Topic: Plan Ahead, Live with Peace of Mind – Understanding the Power of a Living Trust
主讲人Speaker：Andy Shih Ming Tang, International legal consultant
主讲人拥有跨越亚洲与美国的法律与公共事务学术背景，包括台湾法律学士学位、中国经济法学硕士证书、美国法学硕士学位，以及美国公共行政博士研究生。现任全球发展战略中心执行长、唐明环球法律事务所负责人、同时担任全球调解与仲裁中心（GMAC）首席调解员与首席仲裁官，也是美国台湾人协会会长。同时是美国宾州调解人委员会（PCM）会员与美国律师公会（ABA）会员。他致力于将国际法律与公共行政理念结合，深谙美、中、台三地的法律制度与文化差异，以跨领域、跨文化的视角，为不同背景的客户提供精准而务实的建议，能够灵活应对各类复杂的法律与社会问题，促进沟通与理解。
Mr. Tang holds an academic background bridging Asia and the United States,with degrees and certifications in Law (LL.B.,Taiwan), Economic Law (China), and a Master of Laws (LL.M., U.S.),and is currently a candidate for the Doctor of Public Administration (D.P.A.) degree in the United States. He serves as the Executive Director of the Global Development Strategic Center (GDSC) and Principal of Tang Ming Global Law Office. He is also the Chief Mediator and Chief Arbitrator of the Global Mediation and Arbitration Center (GMAC),and President of the Taiwanese Society in America. He is a member of the Pennsylvania Council of Mediators (PCM) and the American Bar Association (ABA). He is dedicated to integrating international law and public administration, with a deep understanding of the cultural and legal systems of the United States, China, and Taiwan. With his cross-cultural and interdisciplinary perspective, Mr. Tang provides clients with precise and practical guidance, skillfully navigating complex situations to foster communication, understanding, and cooperation across different systems.
一、开场引言 Opening Introduction
各位朋友大家好，欢迎参加今天的说明会！
Hello everyone, and thank you for joining today’s Living Trust Seminar!
我们今天要谈的是一个非常实用、却常常被忽略的重要工具—生前信托。
Today, we’ll explore a powerful yet often misunderstood tool: the Living Trust.
二、生前信托是什么？What Is a Living Trust?
生前信托是一个法律文件，它让你在自己有生之年管理和保护财产，同时也清楚安排好万一失能或过世之后，财产如何分配。
A Living Trust is a legal document that allows you to manage and protect your assets during your lifetime—and clearly dictate how they are distributed upon incapacity or death.
三方角色：Three main roles in a trust:
设立人 / Grantor（也称Trustor）：建立信托的人
受托人 / Trustee：实际管理信托资产的人（可以是自己，也可以指定他人）
受益人 / Beneficiaries：享有信托资产利益的人
案例 A：
王先生在宾州有三套房产。他担心如果发生意外，家人要花很长时间走遗产认证程序。于是他设立了生前信托，把三套房都转到信托名下。几个月后他不幸车祸离世，信托立即生效，他太太与子女在几周内就完成资产转移，完全不用走法院程序，也节省了大量律师费与时间。
Case A:
Mr. Wang owned three properties in Pennsylvania. He was concerned that if something happened to him, his family would have to spend a long time going through the probate process. So, he set up a living trust and transferred all three properties into the trust. A few months later, he tragically passed away in a car accident. Because the trust became effective immediately, his wife and children were able to complete the asset transfer within a few weeks — without going through court procedures — saving significant legal fees and time.
三、设立生前信托的十大好处 10 Benefits of Setting Up a Living Trust
避免遗产认证程序（Avoid Probate）
Avoid the court-supervised probate process, which is often long and costly.
保护隐私（Privacy）
信托是不公开的，而遗嘱经过法院程序后变成公开文件。
Trusts are private. Wills become public records.
快速分配财产（Faster Asset Distribution）
法院认证可能花6到18个月，信托则能由受托人立即执行。
No waiting for probate; the trustee can act immediately.
失能时持续管理（Incapacity Planning）
如果设立人失能，受托人能继续管理信托内资产。
If the grantor becomes incapacitated, the trustee can seamlessly manage the trust assets.
节省法律费用（Lower Legal Fees）
遗嘱认证过程常产生律师费和法院费用，约占资产总值的2-5%。信托可节省这部分。
Avoid probate fees which can cost 2–5% of your estate.
更灵活控制（Flexible Control）
信托可随时修改、撤回（只要是可撤销的）。
A revocable trust can be amended or revoked at any time.
多州资产统一管理（Multi-State Asset Management）
一份信托可以覆盖不同州的房产，避免多地认证。
One trust can manage properties in multiple states.
未成年子女保障（Children’s Asset Protection）
可安排定期拨款、教育金等分阶段给付。
You can structure staggered distributions or education funds.
避开争产风险（Avoid Family Disputes）
明确分配，降低家庭纷争。
Clear instructions reduce the risk of litigation or conflict.
资产隔离与保护（Asset Protection）
配合LLC结构，还可保护出租房产、商业资产不被连带索赔。
Use with an LLC to separate risky rental properties from personal estate.
案例 B：
林太太有两个孩子，但其中一个有赌博问题。她担心孩子拿到遗产后挥霍无度，于是在信托中设定每年最多只能领取1万美元，其余用于教育、医疗支出。如此一来，既保障了孩子的基本需要，也避免了挥霍遗产的风险。
Case B:
Mrs. Lin has two children, but one of them has a gambling problem. She worried that this child might squander the inheritance, so she specified in her living trust that the child could receive no more than $10,000 per year, with the remaining funds reserved for education and medical expenses. In this way, she ensured her child’s basic needs were met while preventing the risk of wasting the inheritance.
四、信托设立流程（How to Set Up a Living Trust）
咨询并撰写信托契约草案（Consult with a planner and draft the trust agreement）
准备信托资产清单（Make a list of the assets to be transferred）
签署公证信托文件（Sign the trust in front of a notary）
资产转入信托（Transfer assets into the trust: 房产过户、银行设立信托账户、保险受益人修改等）
提供简化证明 Affidavit of Trust（用于银行或地政机关）
信托后续维护与更新（如资产变动）（Update as needed）
五、适合哪些人设立？Who Should Consider a Living Trust?
有房产或多州资产的人People who own real estate or have assets in multiple states
有未成年子女、特殊需求亲属的人People with minor children or family members with special needs
想避开法院程序、快速处理资产者Those who want to avoid court procedures and distribute assets quickly
不希望家庭纷争、不愿遗产公开的人Those who wish to prevent family disputes and keep their estate private
年长者、单身人士、再婚家庭Seniors, single individuals, and blended families
六、结语 Conclusion
生前信托不是富人的专属工具，而是每一个有规划意识家庭的重要保障。
A Living Trust is not just for the wealthy—it’s a planning tool for anyone who wants peace of mind.
希望今天的说明，能带给您更清楚的认识，也欢迎之后与我们一对一讨论您的家庭状况与财务结构，我们可以客制化为您规划合适的信托方案。
We hope today’s presentation has provided you with a clearer understanding. We also welcome the opportunity to speak with you one-on-one about your family situation and financial structure, so we can customize a trust plan that best suits your needs.
本讲座内容仅供一般教育用途，并不构成法律建议。若您有具体需求，请洽持牌律师进行一对一咨询。
This seminar is for general informational purposes only and does not constitute legal advice. For specific legal needs, please consult a licensed attorney.
唐明環球法律事務所Tang Ming Global Law Office 