FREESTAR Trust Department
Establishing a trust is a tangible expression of caring for your family and beneficiaries. It shows concern for the future wellbeing of those you love. FREESTAR Wealth Management offers a variety of fiduciary services*, and FREESTAR employee highly trained professionals who are experts at purchasing, selling and monitoring investments. They are also skilled specialists in stocks, bonds and other securities.

Our mission is to serve your best interests, and to be completely objective in evaluating investment alternatives. We make decisions based solely on your stated goals. When offering recommendations, or deciding a course of action, our primary goal is the conservation and growth of your assets.

* Some investments managed by FREESTAR Wealth Management are: Not deposits, Not Insured by the FDIC, and May Lose Value.

• Trust Company
• Trusteeship
• Estate Settlement
• Guardianships
• Investment & Custodian Services
• Self Directed IRAs
• Land Trusts
• Starker 1031 Exchanges

Trust Company
A broad spectrum of individuals, businesses and institutions have placed their trust with us. People with modest incomes. Persons of great wealth. Older people, middle-aged people - and a growing number of forward-looking younger adults. All have patronized FREESTAR Wealth Management. At the same time, many area businesses are turning to us for assistance in managing employee pension plans and profit sharing funds.

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Trusteeship
FREESTAR Wealth Management administers different trusts for different people. Our trust officers serve as trustees for spouses and children, businesses, executives and professionals, workers and retirees as well as individuals interested in impartial investment counseling.

Investors tend to use two primary types of trusts:

Testamentary Trusts - Established under the terms of a will, the testamentary trust helps spouses, children and other beneficiaries by providing financial security and freedom from unfamiliar and burdensome responsibilities. We manage the assets, preserve or expand the asset base and provide flexibility to meet emergencies as they arise.

Living Trusts - Living trusts provide financial security during your lifetime, and then continue serving your family and other beneficiaries after your death. The living trust may be "revocable" - you may change or terminate it at any time. Or it may be "irrevocable" - you give up the right to terminate or change the trust. Planning and wording are carefully framed with your property and the needs of your family in mind.

We provide:

• An investment portfolio that meets your objectives.
• Collections of all principal and interest amounts due.
• The security of safely maintained assets.
• All recordkeeping.

Meanwhile, you benefit by receiving convenience, privacy, tax saving opportunities and the possibility of reduced probate expenses.

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Estate Settlement
The selection of a representative to settle your estate is an important one. The individual chosen might not outlive you, and a court-appointed administrator may not understand your intentions. That's why FREESTAR Wealth Management is an ideal choice. Our officers have the experience and expertise to handle even the most unusual and complex situations.

If you have a will, direct us to settle your estate. If no will exists - or if the named executor is deceased or otherwise unavailable - the court can still name us to handle the proceedings.

Here's what we'll do:

• Assemble all assets.
• Determine their value.
• Pay claims, obligations and taxes.
• Distribute property
• Prepare documentation and accountings

Guardianships
Occasionally, FREESTAR Wealth Management is appointed by the court to serve as conservator, or guardian, for the property of a minor or incompetent adult. In the case of a child, this relationship may continue until the minor becomes an adult. In the case of an incompetent adult, the guardianship may last indefinitely.

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Investment & Custodian Services
We offer two alternatives to help you stay abreast of your investments.

Full Management Account - Our trust officers are fully involved with the day to day management and transactions of your account. They work with you to assure the investments are meeting financial goals. You retain title to the assets and full authority over approval or disapproval of bank recommendations.

Custodian Account - You manage your own accounts, but we relieve you of the burdensome accounting and administrative details.

Either way, you receive:

• Comprehensive statements with formatted listings of transactions.
• Investment reports on market conditions of your investments.
• Record keeping for tax and accounting purposes.

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Self-Directed IRAs
Self-Directed IRAs let you actively participate in the investment process. In fact, you choose the investment instruments from a wide variety of qualified options.

Of course, FREESTAR Wealth Management offers fully-insured, fixed-rate certificates of deposit. But we also offer a broad variety of other investment possibilities. Trust officers explain these options, and then complete the actual transaction that you select. Quarterly documentation is provided by FREESTAR.

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Land Trusts
Our Land Trust Department works with real estate investors, builders and homeowners. For tips on using a land trust in concert with an estate plan, give us a call.

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Starker 1031 Exchanges
The FREESTAR Trust Department is a Qualified Intermediary for Starker 1031 Exchanges. Our service can help real estate investors defer thousands of dollars in capital gain tax liability.

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