🛡️ Install Spendthrift Trust™ — works offline, no App Store
🍎 Install on iPhone / iPad
Add Spendthrift Trust™ to your home screen — works offline, no App Store needed
1
Open this page in SafariThe install option only works in Safari — not Chrome or Firefox
2
Tap the Share button ⬆️The box with an arrow — at the bottom of your screen (iPhone) or top (iPad)
3
Scroll down → "Add to Home Screen"Look for the house icon 🏠 — you may need to scroll the menu
4
Tap "Add" in the top rightThe 🛡️ icon appears on your home screen instantly ✅
🤖 Install on Android
Add Spendthrift Trust™ to your home screen — works offline, no Play Store needed
1
Open this page in ChromeThe install option works best in Chrome on Android
2
Tap the 3-dot menu (⋮) in ChromeTop right corner of your browser
3
Tap "Add to Home Screen"Or "Install App" — both work the same
4
Tap "Add" or "Install" on the popupThe 🛡️ icon appears on your home screen ✅
💡 Chrome may auto-show an install prompt at the bottom — just tap it!
💙 Pay via Zelle
📱 (714) 612-9546
Cuong Pham — Send exactly $47
1
Open your bank app or Zelle appChase, BofA, Wells Fargo, and most banks include Zelle
2
Send $47 to (714) 612-9546In the memo: "Spendthrift Trust #188"
3
Screenshot your confirmationDM it to @CuongFBI on Facebook for your receipt
⚡ PLAYBOOK #188 — CUONGFBI
🛡️
Spendthrift Trust™
The Dynasty Protection System
Attorneys charge $3,000+ to form this trust for you. We walk you A-to-Z, step by step — so simple a 5-year-old could do it. Your assets. Protected. Forever.
$3K+
Attorney Cost Bypassed
11
States Covered
A→Z
Complete Formation
$47
One-Time Forever
🧒
Explain It Like I'm 5
Imagine you have a piggy bank — but instead of keeping it yourself, you give it to a trusted adult (the Trustee) to hold for someone you love (the Beneficiary). That adult can only open the piggy bank on YOUR terms. Nobody — not the bad guys, not bill collectors, not even the person you're protecting from themselves — can grab that money without YOUR rules being followed first.
That's a Spendthrift Trust. Simple. Powerful. LEGAL in all 50 states.
What Is a Spendthrift Trust?
The same wealth protection tool used by the Rockefellers, Kennedys, and every major dynasty — now yours to form yourself.
🏛️ The Legal Definition (Plain English)
A Spendthrift Trust is a legally recognized trust that protects the beneficiary's share from being claimed by their creditors. The beneficiary cannot voluntarily hand it over either — it flows to them only on YOUR schedule, YOUR terms. Recognized by statute in all 50 states. Battle-tested in courts for over 100 years.
🔐 What Does It Protect You From?
🏦
Bank Creditors & Debt CollectorsThey cannot seize trust assets before distribution. FDCPA and state law back this up.
⚖️
Lawsuits & JudgmentsEven if someone wins a lawsuit against your beneficiary, they can't touch what's in the trust.
💸
Poor Financial DecisionsYour heir can't blow the inheritance in one weekend. They receive structured distributions only.
💔
Divorce & Alimony ClaimsTrust assets are generally protected from a beneficiary's divorce proceedings.
🎰
Addiction & GamblingSet triggers: "only distribute when sober" or "only for education/housing." You make the rules.
🏥
Medical BankruptcyMedical debt collectors cannot garnish trust funds before the beneficiary receives them.
💼
Business FailuresIf your beneficiary's business collapses, trust assets stay safe from business creditors.
📉
Government Benefit EligibilityProperly structured, trust assets may not count against Medicaid/SSI eligibility.
🏆 Who Should Form One?
👨👩👧 Parents
Leave wealth to your children without fear they'll spend it recklessly, lose it to bad partners, or get it taken by creditors. Your love, protected by law.
🏘️ Property Owners
Place real estate, rental income, or investment accounts into the trust. Creditors can't touch it. Tenants pay rent into the trust. Income flows to beneficiaries on your terms.
👴 Seniors & Estate Planners
Avoid the costly, public process of probate. Trust assets transfer privately and instantly upon your passing — no courts, no delays, no vultures.
👩⚕️ Professionals at Lawsuit Risk
Doctors, real estate agents, business owners — protect family wealth from malpractice suits and business liabilities before they happen.
💳 Anyone in Debt
New assets going into a properly formed trust can be shielded from future creditors. It's not hiding money — it's legal asset protection, used by the wealthy for generations.
Fill in each step. We generate your complete trust document at the end. Zero attorney needed.
Step 1 of 12
STEP AYour Purpose
💡 Knowing WHY you're forming this trust determines how we structure it. Be honest — the right structure = the right protection.
STEP BGoverning State
💡 This determines which state's laws govern your trust. Choose where you live OR a favorable state like Nevada or South Dakota. Your choice — no physical presence required in most cases.
State Info
STEP CName Your Trust
💡 The trust name appears on all documents and bank accounts. Keep it professional. Common format: "[Your Last Name] Family Trust" or "[Your Name] Revocable Trust."
Tip: Include "Spendthrift" in the name so the purpose is clear in all records.
STEP DGrantor Information
💡 The Grantor is YOU — the person creating and funding the trust. You can also be the Trustee (manager) and in some cases even the Beneficiary, though that reduces creditor protection.
Needed for the notary section
STEP ETrustee Information
💡 The Trustee MANAGES the trust. You can be your own Trustee (you stay in control). Choose a co-trustee or successor trustee as backup. Pick someone financially responsible and trustworthy.
STEP FSuccessor Trustee
💡 The Successor Trustee steps in if you (or the initial trustee) become incapacitated, pass away, or resign. This is NOT optional — a trust without a successor is a legal headache for your family. Name someone you 100% trust.
This is informational — not legally required in the document but good to track
STEP GBeneficiary Information
💡 The Beneficiary is the person the trust protects and eventually benefits. This could be your child, grandchild, spouse, or anyone you choose. You can name multiple beneficiaries — just list each one below.
STEP HDistribution Terms
💡 THIS is where the magic happens. YOU control when, how much, and under what conditions your beneficiary receives money. Creditors can only attach what is actually distributed — so structure this thoughtfully.
STEP IAssets to Fund the Trust
💡 A trust without assets is an empty shell. List what you're transferring in. You can always add more later. Common assets: cash, real estate, investment accounts, business interests, personal property.
⚡ How to Transfer Assets After Signing
✓ Bank accounts: Bring signed trust to bank. Retitle in trust name.
✓ Real estate: Record a new deed naming the trust as owner. County recorder's office.
✓ Investment accounts: Contact your brokerage. Provide trust certificate.
✓ Vehicles: Update title at DMV. Some states don't require this.
✓ Business interests: Update operating agreement or stock certificates.
STEP JTrust Duration & Termination
💡 When does the trust end? Common options: when the beneficiary reaches a certain age, upon their death, or you leave it open-ended (dynasty trust). Some states allow perpetual trusts — maximum protection forever.
STEP KSpecial Provisions
💡 These are custom clauses that make your trust uniquely powerful. No-contest clause, incentive provisions, SNS (Special Needs) language — all optional but can dramatically enhance your protection.
STEP LFinal Review & Generate
✅ You're almost done! Review your selections below, then click "Generate My Trust Document" to produce your complete, ready-to-sign Spendthrift Trust Agreement.
✅ After You Generate:
1 Print the document (or save as PDF)
2 Sign before a licensed Notary Public
3 Get 2 witnesses to sign (recommended)
4 Transfer assets into the trust
5 Keep original in a fireproof safe
6 Give successor trustee a copy
7 Review annually or after major life changes
📄 Your Trust Document
Complete the Formation Wizard first, then your trust document appears here — ready to print and sign.
🛡️ Your Document Will Appear Here
Go to the FORM IT tab, complete all 12 steps, and click "Generate My Trust Document." Your complete, ready-to-sign Spendthrift Trust Agreement will appear in this tab automatically.
⚠️ Important: What To Do With Your Document
📝 Print on white paper. Use legal-size (8.5×14") if available, but letter (8.5×11") works fine.
🖊️ Sign in BLUE or BLACK ink. No pencil. No digital signature on original.
👁️ Sign in front of a Notary Public. Most banks, UPS stores, and libraries have one. Cost: $5–$25.
👤 Have 2 witnesses sign — people who aren't beneficiaries and aren't related to the grantor.
📁 Make 3 certified copies. Keep original. Give copies to successor trustee + bank + safe deposit box.
🏦 Take the signed trust to your bank. Say: "I'd like to retitle this account into my trust."
★★★★★ — Excellent. Minnesota fully recognizes and enforces spendthrift provisions.
Notary Requirement
Yes — Grantor signature must be notarized. 2 witnesses strongly recommended.
Filing Requirement
No state filing required for a revocable living trust. Real estate transfers require a new deed filed with the county recorder.
Creditor Exceptions
Child support, alimony, and federal tax claims may reach trust distributions even with spendthrift clause.
Rule Against Perpetuities
Minnesota allows trusts for up to 90 years from the trust's creation date.
💡 MN Pro Tip: Hennepin and Ramsey County have recorder offices that process deed transfers quickly. Bring the signed trust certificate + $46 recording fee. Dakota County (Bloomington area): $50 recording fee.
☀️California★★★★▶
Governing Statute
California Probate Code §§ 15300–15309
Spendthrift Strength
★★★★ — Strong. CA courts consistently uphold spendthrift clauses against most creditors.
Notary Requirement
Yes — Notarized signature required. 2 witnesses required for real estate in trust.
Filing Requirement
No filing for trust itself. Real property: Record deed with County Recorder. File BOE-502-D (Change of Ownership statement) to avoid property tax reassessment under Prop 19.
Special Notes
California has specific exceptions for tort claimants (personal injury victims) and child/spousal support. Attorneys' fees may also reach distributions.
💡 CA Pro Tip: File a Revocable Transfer on Death (RTOD) deed for residential property as an alternative to full trust transfer — simpler and avoids Prop 19 issues in some cases.
⭐Texas★★★★★▶
Governing Statute
Texas Property Code § 112.035
Spendthrift Strength
★★★★★ — Excellent. Texas is one of the most trust-friendly states in the nation.
No state filing. Real estate: File deed with County Clerk. No deed transfer tax in Texas!
Special Advantage
Texas has NO state income tax and NO estate tax. Trust income is not taxed at state level.
💡 TX Pro Tip: Texas has unlimited homestead exemption even outside a trust — but placing it in trust protects it from other creditors and avoids probate. File an Affidavit of Heirship with the deed for smooth transfers.
🌴Florida★★★★★▶
Governing Statute
Florida Statutes § 736.0502 (Florida Trust Code)
Spendthrift Strength
★★★★★ — Excellent. Florida has some of the strongest asset protection laws in the US.
Notary Requirement
Yes — 2 witnesses AND a notary required. All must sign together at the same time.
Filing Requirement
No state filing. Homestead real estate requires a deed recorded with County Clerk + Documentary Stamp Tax ($.70 per $100 of value).
Special Notes
Florida has NO state income tax or estate tax. Excellent for retirement planning. Unlimited homestead exemption available separately.
💡 FL Pro Tip: Florida requires ALL signers present at the same time for trust execution. Schedule a single signing ceremony — don't pass documents around for individual signatures.
🗽New York★★★★▶
Governing Statute
New York EPTL § 7-3.1 (Estates, Powers and Trusts Law)
Spendthrift Strength
★★★★ — Strong. NY courts honor spendthrift provisions with some exceptions.
Notary Requirement
Yes — Notarized signature. 2 witnesses required.
Filing Requirement
No state filing required. Real estate: File deed with County Clerk. NYC has additional transfer taxes — consult county recorder for current rates.
Creditor Exceptions
NY allows creditors to reach trust income (not principal) in some circumstances. Structure distributions carefully.
💡 NY Pro Tip: For maximum protection in NY, structure your trust to distribute principal only (not income), and only on trustee's discretion. This makes it hardest for creditors to attach.
No state filing. Real estate: File deed with County Recorder of Deeds. Transfer tax: 2% of sale price (1% state, 1% local).
💡 PA Pro Tip: PA has an inheritance tax (4.5% for lineal descendants, 12% for siblings, 15% for others). A properly structured trust doesn't eliminate this but can simplify the transfer process significantly.
🌾Illinois★★★★▶
Governing Statute
760 ILCS 5/15.1 (Illinois Trust Code)
Spendthrift Strength
★★★★ — Strong. Illinois recognizes spendthrift trusts and bars most creditor claims.
Notary Requirement
Yes — Notarized signature. 2 witnesses required.
Filing Requirement
No state filing. Real estate: File deed with County Recorder. Transfer tax varies by county ($0.50–$3.75 per $500 of value).
💡 IL Pro Tip: Cook County (Chicago) has higher transfer taxes than downstate counties. For real estate in Cook County, factor in the City of Chicago transfer tax ($5.25 per $500) in addition to state/county taxes.
🏈Ohio★★★★▶
Governing Statute
Ohio Revised Code § 5805.01 (Ohio Trust Code)
Spendthrift Strength
★★★★ — Strong. Ohio courts regularly uphold spendthrift provisions under the UTC.
No state filing. Real estate: File deed with County Auditor and County Recorder. Conveyance fee: $4 per $1,000 of value.
💡 OH Pro Tip: Ohio eliminated its estate tax in 2013 — no state estate tax. This makes Ohio trusts very cost-effective for larger estates. File a DTE 100 (Conveyance Fee Statement) when transferring real property.
🍑Georgia★★★★▶
Governing Statute
O.C.G.A. § 53-12-80 (Georgia Trust Code)
Spendthrift Strength
★★★★ — Strong. Georgia adopted a robust UTC framework with full spendthrift protections.
Notary Requirement
Yes — Notarized signature. 2 witnesses required.
Filing Requirement
No state filing. Real estate: File deed with Superior Court Clerk. Transfer tax: $1 per $1,000 of value.
Special Notes
Georgia has NO state estate tax. Favorable trust laws with growing trust industry in Atlanta metro area.
💡 GA Pro Tip: Georgia requires a PT-61 (Real Estate Transfer Tax Return) to be filed electronically with the county when transferring property into trust. This is free if no money changed hands (a gift/transfer to your own trust).
🌲North Carolina★★★★▶
Governing Statute
N.C. General Statutes § 36C-5-502 (NC Uniform Trust Code)
Spendthrift Strength
★★★★ — Strong. NC UTC provides solid spendthrift protections.
No state filing. Real estate: File deed with Register of Deeds. Excise tax: $2 per $1,000 of value.
💡 NC Pro Tip: NC has NO estate tax (repealed 2013). A living trust in NC allows you to avoid probate, which can be lengthy in NC superior courts. Register of Deeds offices in most counties are efficient and process same-day.
🚗Michigan★★★★▶
Governing Statute
MCL § 700.7502 (Michigan Trust Code)
Spendthrift Strength
★★★★ — Strong. Michigan fully adopted the UTC with comprehensive spendthrift provisions.
Notary Requirement
Yes — Notarized signature. 2 witnesses required.
Filing Requirement
No state filing. Real estate: File deed with Register of Deeds. Transfer tax: $3.75 per $500 of value (state) + county tax.
💡 MI Pro Tip: Michigan's Marketable Record Title Act can affect trust property ownership records over time. Keep your trust document and deed transfers on file with a copy at your county Register of Deeds office.
🌟 Bonus: The 3 Most Trust-Friendly States (For Advanced Protection)
Nevada: No state income tax. Allows "self-settled" asset protection trusts. Strongest domestic asset protection laws in the US. Creditors wait 2 years from transfer before any claim. Zero estate tax.
South Dakota: No state income or capital gains tax. Perpetual dynasty trusts with no rule against perpetuities. Strongest directed trust laws in the US. Preferred by billionaire families.
Delaware: The original trust-friendly state. Strong creditor protection, flexible trustee rules, and privacy provisions. No state income tax on trust income distributed to non-DE residents.
💰 The Spendthrift Resell Blueprint™
You bought this for $47. Here's how to turn it into $500–$2,000/month on repeat.
💵 Income Calculator
$141
Daily Revenue
$987
Weekly Revenue
$4,230
Monthly Revenue
🎯 The 3-Post Facebook System
Post 1 — Pain Hook: "Did you know a creditor can legally drain your savings account with one court order? Unless your money is in a Spendthrift Trust. Here's how to form one yourself for $47 👇"
Post 2 — Story Post: "My neighbor lost $80,000 to a judgment creditor last year. Everything she had, gone. I told her about a Spendthrift Trust AFTER. Don't be her. DM me 'TRUST' and I'll show you how to protect yourself TODAY."
Post 3 — Direct CTA: "Attorneys charge $3,000 to form a Spendthrift Trust. I have the exact same system for $47. Legally protects your assets from creditors, lawsuits, and bad financial decisions. Link below. 🛡️"
🎯 Your Best Target Markets
👨👩👧 Parents worried about leaving wealth to a reckless heir
💳 People struggling with debt who want to protect new assets
👴 Seniors doing estate planning without a $5,000 attorney
🏘️ Small landlords protecting rental income
👩⚕️ Healthcare workers and professionals in lawsuit-risk careers
🇻🇳 Vietnamese-American community — generational wealth builders
🏢 Small business owners protecting personal assets from business risk
💔 Divorced individuals protecting assets for their children
💬 DM Script That Converts
"Hey [Name]! I totally get the fear — knowing your savings could be wiped out by one lawsuit or creditor is terrifying. I put together a complete Spendthrift Trust formation system that walks you through the EXACT process attorneys charge $3,000 for — step by step, fill-in-the-blank, for just $47. It includes your complete trust document generator, 11-state guide, and everything you need to sign today. Want me to send you the link? 🛡️"
This system exists because your protection matters. If it brought you value today, honor that feeling. Even $5 plants a seed of karma that multiplies. Every generous act comes back tenfold — that's not a belief, that's a law.
1000x better than anything else available — including the "Bulletproof Trust" everyone's been sold.
🔥 Why Is This 1000x Better Than All Alternatives?
Tap to expand the full competitor breakdown
Feature
Spendthrift Trust™ #188
"Bulletproof Trust"
LegalZoom Trust
DIY Will
No Protection
All 50 States Legal
✅
⚠️
✅
✅
❌
IRS Recognized
✅
❌
✅
✅
N/A
Creditor Protection
✅ Rock Solid
⚠️ Disputed
⚠️ Limited
❌ None
❌ None
Lawsuit Shield
✅
⚠️
⚠️
❌
❌
Avoids Probate
✅
⚠️
✅
❌
❌
Court Battle-Tested
✅ 100+ yrs
❌
✅
✅
N/A
A-Z Formation Guide
✅ Complete
⚠️ Partial
❌ Attorney Only
⚠️ Basic
❌
Document Generator
✅ Instant
❌
❌ $500+ extra
❌
❌
Works Offline / App
✅ PWA
❌
❌
❌
❌
11-State Guide
✅
❌
❌
❌
❌
Cost to Form
$47
$97–$497
$500–$2,000
$0–$50
$0 now, EVERYTHING later
Attorney Cost
BYPASSED
Still needed
$3,000+ optional
None
None
🚨 The Truth About "Bulletproof Trusts"
The "Bulletproof Trust" (also called Pure Trust, Constitutional Trust, or Common Law Trust) is marketed aggressively online — but here's what they don't tell you: The IRS has specifically targeted these trusts in Tax Court and won. The courts don't recognize them as valid trusts in most states. People who used them to hide assets have faced criminal tax evasion charges. Meanwhile, the Spendthrift Trust has been used by the Rockefellers, Vanderbilts, and Kennedy family for generations. It's backed by statute in all 50 states. It's the trust attorneys use for THEIR own families. There's no contest.
🆚 vs. LegalZoom / Online Trust Services
LegalZoom charges $179–$599 just to get started, then you still need an attorney to review it ($500–$2,000 more), and they give you a generic template without the A-to-Z guidance on how to actually USE it. Spendthrift Trust™ Playbook #188 gives you the complete formation wizard, document generator, state-specific guidance, AND teaches you the system — all for $47, one time, forever.
🆚 vs. Hiring an Attorney Directly
The average attorney charges $1,500–$3,500 to draft a spendthrift trust. They bill hourly ($250–$450/hr) and the final document is essentially what you generate in this Playbook. The difference? They know the law (so use LegalShield to have one on call for $1/day). But the paperwork? That's what you're holding right now. For $47.
⚠️ This Playbook is for educational purposes only. Not a substitute for legal advice. Laws vary by state and may change. For complex estates or unusual situations, consult a licensed attorney. LegalShield at cuongpham.legalshieldassociate.com can connect you with one for $1/day. Income results vary and are not guaranteed. FTC-compliant disclosures apply.