Trusted Guidance for Life’s Most Important Decisions
Planning for the future goes beyond finances—it’s about protecting the people you care about, preserving what you’ve worked hard to build, and ensuring your wishes are honored. At German American State Bank, our Trust Services are built to provide clarity, confidence, and long-term peace of mind for you and your family.
With the support of our experienced Wealth Management professionals, you’ll receive thoughtful guidance to help manage, protect, and transfer assets in a way that aligns with your goals and values. From estate planning to fiduciary services, we work closely with you to create a plan that reflects what matters most—today and for generations to come.
Our Trust office and dedicated team are located at our State Bank division in Freeport, IL, and are available to serve customers across all our markets. You’re also welcome to begin the conversation with your local German American State Bank banker, who can connect you directly with our Trust team for personalized support.
Living Trust
A Living Trust helps you manage and protect your assets during your lifetime while giving you a clear plan for how your estate will be handled in the future. By placing property into a trust, you can ensure your assets are professionally managed and that your wishes continue seamlessly in the event of incapacity or passing.
You may serve as your own trustee, appoint a trusted individual, or choose German American State Bank to serve as a corporate trustee. This flexibility allows your trust to adapt as your life and goals change—while providing long-term continuity and peace of mind.
Investment Management Agency Account
An Investment Management Agency Account allows you to retain ownership of your assets while trusting our Wealth Management team to professionally manage them on your behalf. Through this relationship, we provide investment oversight, custody of assets, bill paying, and detailed recordkeeping.
Unlike a trust, this type of account ends upon the death of the account owner. It is often a good fit for individuals seeking professional management during their lifetime without the continuation features of a trust.
Estate Settlement
Estate settlement is the process of gathering, managing, and distributing assets after a death according to a will or trust. During a time that is often emotional and overwhelming, our experienced Trust team provides steady guidance and impartial support.
Working alongside your legal and financial advisors, we help ensure assets are properly accounted for and distributed as directed. Our goal is to ease the burden on families while carrying out these responsibilities with care, accuracy, and respect.
Irrevocable & Testamentary Trusts
Irrevocable and Testamentary Trusts are designed to provide long-term structure and protection for assets based on clearly defined wishes. In these types of arrangements, a trustee is responsible for managing investments, handling expenses, and making distributions according to the terms of the trust for the benefit of its beneficiaries.
A Testamentary Trust is created through a will and takes effect after death. An Irrevocable Trust is established during your lifetime and cannot be easily changed once in place. Each option serves different planning purposes, and our Trust team works closely with you and your advisors to determine which solution aligns best with your goals.
Guardianship
Guardianship is a court-appointed arrangement in which a trusted individual or professional fiduciary is responsible for managing the assets of a minor or an adult who is unable to do so on their own.
This service is often used to ease the responsibility placed on family members or friends while ensuring that financial matters are handled with care, accountability, and in the best interest of the beneficiary. Our experienced Trust team provides steady oversight and support in these situations, offering peace of mind during what can be a difficult time.
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Custodial Account
Custodial services provide secure oversight and recordkeeping of your assets, with professional support to help manage transactions, reporting, and safekeeping. At German American State Bank, our custodial team works closely with your legal and financial advisors to ensure assets are handled accurately, efficiently, and with care.
This service is often used to support trusts, estates, and investment accounts—offering peace of mind knowing your assets are being monitored and maintained with integrity and attention to detail.
Investments provided through Foresight Bank Wealth Management and/or Savant Wealth Management are not FDIC insured. There is no financial institution guarantee. Your account may lose value. Not a deposit, not insured by any federal government agency.