In this episode, Nathan Croxford and Brian Edwards break down the Utah Domestic Asset Protection Trust — what it is, how it works, and why fewer than half of U.S. states even offer it. They cover who it's actually built for (small business owners, landlords, professionals with liability exposure), how the distribution trustee structure is what makes creditor protection legally bulletproof, and why the window to set one up closes the moment a lawsuit begins.

Key Takeaways:

• The Offshore Alternative: How a Utah DAPT delivers comparable protection to an offshore trust at a fraction of the setup cost — with no foreign trustee fees or IRS international filings.
• The Distribution Trustee: Why separating distribution authority from trust management is the legal mechanism that keeps creditors out — and what happens if you skip it.
• The Seasoning Period: Utah's two-year clock for existing creditors, how it can be shortened to 120 days, and why future creditors are protected from day one.
• What You Actually Keep: The investment control, veto powers, and flexibility that make an irrevocable trust far less restrictive than most people expect.

Nathan Croxford and Brian Edwards are practicing attorneys at Voyant Legal in Utah. This episode is for educational purposes only. Visit voyantlegal.com or call 801.951.0500.



In this episode, Nathan Croxford and Taylor Stone walk through exactly why 7 out of 10 living trusts fail at the worst possible moment, and give you a step-by-step checklist to make sure yours actually works.

Key Takeaways:

• The Attorney-Client Gap: Why most trusts go unfunded — and why both sides assume the other one handled it.
• Asset-by-Asset Funding: What proper funding looks like for real property, bank accounts, retirement accounts, life insurance, vehicles, and business interests under Utah law.
• The Retirement Account Exception: Why retitling your IRA into a trust triggers immediate income tax on the entire balance — and what to do instead.
• The Refinancing Trap: How a routine mortgage refinance silently removes your home from your trust — and how to make sure it gets put back.

In this episode, Michael Haslam and Taylor Stone break down the exact tools needed to guarantee financial security for your spouse and protect your children's inheritance.

Key Takeaways:

• The Remarriage Risk: How remarriage can automatically revoke your prior will under Utah Code § 75-2-301.
• The QTIP Trust: The single most important tool to provide lifetime income for a spouse while locking in the principal for your biological kids.
• Neutral Trustees: Why naming a spouse as sole trustee triggers family conflict.
• Three Real Scenarios: Walkthroughs of classic failures involving remarriage, stepchild friction, and special needs asset disqualification.

Despite these numbers, the estate planning industry remains stuck in the past. Nearly every YouTube case study, law firm FAQ, and resource guide assumes you have children ready to step in. For Solo Agers—including never-married professionals, divorcees, widows, and those who simply chose not to have children—the standard playbook is broken.

Redefining the Four Essential Questions

When "my kids" isn't an option, the four pillars of an estate plan require entirely different strategies:

1. Financial Management: Who oversees my assets if I cannot?
2. Medical Advocacy: Who makes life-and-death healthcare decisions?
3. Trustee Succession: Who ensures my final wishes are honored?
4. Final Arrangements: Who manages my legacy and funeral?

In this episode, we’re throwing out the generic templates and building a playbook from scratch specifically for Utah’s Solo Agers. Whether you are looking toward professional fiduciaries or trusted friends, it’s time to create a plan that reflects your actual life.

Then the surprise: only their personal belongings are covered. The house itself is denied.

Why? The home had been transferred into a trust, but the trust was never added to the insurance policy. The insurer argues the named individual no longer has an insurable interest in the structure, leaving the family caught in a technical gap with massive financial consequences.

This happens more often than people think. After the January 2025 Los Angeles wildfires, more than 37,000 claims were filed, and trust and insurance mismatches became one of the most common dispute triggers.

The trust was set up correctly. The deed was transferred. One simple step was missed: updating the insurance policy.

In this episode, Nathan and Brian break down:
• How this coverage gap happens
• Why transferring your home to a trust can create unintended risk
• What insurance companies look for when evaluating claims
• The simple fix that can prevent a catastrophic denial
• What to check today if your home is in a trust

If your home is in a trust or you’re considering one, this is a must-watch.

In this episode of the Legacy Lawyers Podcast, we break down FinCEN’s new real estate reporting requirements, why the rule exists, and which property transfers are typically exempt. We also explain how real estate owned through entities like LLCs may be treated differently.

If you own property or are planning your estate, this episode will help you understand what to know moving forward.