Trust Resources & Articles

Take important steps to secure your family's financial future and peace of mind.

Before meeting with a trust and estates attorney to finalize your plan, take some time to view and read through these resources that explain your options.


Objectives and Risk Considerations

Explore how you can optimize your Investment Management Account (IMA) by setting objectives and navigating risk.

Principles of Business Succession Planning

Business succession planning ensures a smooth transition of ownership, management, and assets to the next generation or designated beneficiary.

Taxable and Non-Taxble Opportunities

Investing in Exchange Traded Funds (ETFs) is an increasingly popular strategy. Their inherent tax efficiency can lead to significant savings in your investment portfolio. 

Quarterly Commentary & Economic Outlook

In the first quarter of 2024, markets shook off concerns over inflation and the Fed’s future rate trajectory to end the month with the best first quarter since 2019.

2024 Market Outlook

Learn more about this year's economic landscape.

Market Insights

See the latest market insights from Member Trust Company.



The State of Indiana decides how your estate will be distributed if you don't provide a clearly defined procedure through a will or trust. These are Indiana's inheritance procedures based on your marital status, and whether you have surviving children parent, or siblings.


...with one or more living child and/or issue of deceased child (e.g., wife dies and is survived by husband and child of deceased son) OR
  • Spouse: ½ of estate
  • Child/children and/or grandchild/grandchildren: ½ estate
....with no surviving issue (e.g., child) but with living parents OR
  • Spouse: ¾ of estate
  • Parents: ¼ of estate
...with no surviving issue or parents OR
  • Spouse
...with a second or subsequent spouse, and with surviving child/ children of deceased child/children (e.g., husband dies and is survived by second wife and child from first marriage) OR
  • Spouse: ½ of personal property and ¼ value of real estate property
  • Child/children and/or grandchild/grandchildren: equal share of remaining personal property and real estate property
...with none of the above
  • State of Indiana


...with child/children or issue of deceased child/children OR
  • Child/children and/or grandchild/grandchildren: equal shares
...without surviving children
  • Per parent: ¼ of estate
  • Siblings and nieces/ nephews: remaining estate
...and with no parents or siblings
  • Nieces/nephews: equal shares
...and with no nieces or nephews
  • Grandparents: equal shares
...and with no grandparents OR
  • Aunts, uncles, and cousins: equal shares
...with none of the above
  • State of Indiana
The term “issue” simply means someone descended from someone else, such as a daughter or granddaughter. The term “personal property” in these diagrams refers to those items that have immeasurable or intrinsic value, such as an old piano or a collection of personal journals. Bank accounts, pensions, real estate, life insurance, and other financially measurable assets are included in the overall definition of the “estate.” Printer-friendly version. This information is not designed, meant, nor does it constitute the rendering of legal or tax advice. You should consult with your attorney and/or tax advisor before implementing any strategy discussed here. Trust services provided by MEMBERS Trust Company are not federally insured, are not obligations of or guaranteed by the credit union or any affiliated entity, involve investment risks, including the possible loss of principle. MEMBERS Trust Company is a federal thrift regulated by the Office of the Comptroller or the Currency.



Savings Options

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