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Parents and guardians of individuals with disabilities face unique challenges when planning for a child’s financial future. Balancing financial support and helping preserve government benefits requires careful navigation of complex regulations and trust requirements. At Texas Gulf Bank, our Wealth Management team understands these challenges and provides specialized guidance to families in the Southeast Texas […]
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You worked hard to build wealth, and now it’s time to support your family’s future with a sound approach to financial planning. One key area is understanding the differences between a trust vs. a will in Texas. Both a trust and a will are essential elements in estate planning, yet each offers distinct advantages depending […]
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When planning for the financial future of individuals with disabilities, ensuring the proper use of a Special Needs Trust (SNT) is critical. For example, covering living expenses is often a significant concern for Texas families. You may have specific questions, such as “Can a special needs trust pay for housing?” Understanding whether an SNT can […]
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In Texas, a guardianship is used to protect individuals who are unable to manage their personal or financial affairs due to a disability or incapacity. It’s a meaningful way to help ensure they get the support they need. Whether you are exploring this process for a loved one or yourself, understanding the intricacies of guardianship […]
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The loss of a loved one can bring overwhelming emotions and, for many, the great responsibility of settling an estate. For families and individuals in Texas, understanding the legal process is no small task. Fortunately, Texas Gulf Bank offers comprehensive estate settlement services to help ease the burden and ensure a smooth process. Our dedicated […]
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For many Texas families, planning for the future involves both building wealth and safeguarding the future financial well-being of loved ones. Specifically, when a family member is a minor child or incapacitated, it may be a challenge to manage their individual assets or secure their financial position. A 1301 Management Trust may be a beneficial […]
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Texas families who need extra care for minor children or incapacitated individuals often require additional financial resources to ensure each individual is supported throughout their lifetime. Many legal guardians and loved ones opt to have a trust created specifically for managing funds to ensure all future needs are met. A Section 142 Trust is a […]
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For high-net-worth individuals, managing wealth is more than simply growing your assets and wealth. It’s just as important to protect your legacy, plan for future generations, and prepare for financial security at every stage of life. At Texas Gulf Bank, we understand that true wealth management goes beyond investment strategies and requires an in-depth approach […]
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We all strive to plan well for our family’s future, and making plans for a person with special needs often requires complex financial and legal decisions. With the right planning, you can ensure your loved one enjoys a high quality of life without sacrificing access to essential public benefits programs. A Special Needs Trust (SNT) […]
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Special needs trusts (SNTs) are powerful financial tools designed to enhance the lives of people with disabilities. They do so without jeopardizing their eligibility for vital government benefits like Medicaid and Supplemental Security Income (SSI). SNTs do have restrictions on how the funds can be used, though. You may have questions such as, “What can […]