It is strongly advisable to conduct periodic revisions of the succession plan, in order to reflect any relevant changes or adjustments.


There are various events that could require significant changes to the plan:

  • Remarrying
  • Divorce
  • Birth of a child
  • Death of a loved one
  • Stock market instability

These changes could trigger revising who will receive a specific asset, making new purchases or selling assets.

The best way to approach these situations is to analyze how they may affect the estate as a whole. In addition, a thorough review of all asset-related documents and status should be conducted.

Factors reducing the value of the estate

When an estate is managed, some costs decrease the total value of assets, based on the following factors:

  • Estate Liabilities: Debts must be paid off before distributing assets to beneficiaries. Liabilities include: debts, funeral expenses, taxes, estate management fees, medical expenses, and legal expenses.
  • Depreciation: Any decrease in the commercial value of an asset due to loss of management skills of the deceased.
  • Liquidity: Any cost or expense causing the forced sale of property. Sales that were executed to obtain cash, since the estate did not have enough liquidity to cover these commitments.

Asset Allocation

StateTrust Life & Annuities invests in bonds and indexes offering great risk diversification while providing the best possible returns, based on the risk profile chosen by the customer.

We also incorporate other assets into our strategy, such as investments in other currencies, commodities and hedging instruments, as an additional way to optimize investment profiles and return-risk ratios.