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Think of your revocable living trust as an empty bucket—if you never pour assets in, it can’t do its job. So retitle the house, change the life-insurance ownership, and move bank and brokerage accounts under the trust before anything happens. When you die, the trust doesn’t disappear; it simply becomes irrevocable, and control shifts to the successor trustee you hand-picked. That trustee can’t freeload or freestyle—the written trust administration rules force them to deliver money and property t
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