The Commingling Checklist
What commingling looks like in real life — and how to separate your personal finances from your trust's before a beneficiary or court does it for you.
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Three sections that could save you from personal liability
What Commingling Actually Looks Like
Six real examples from our trustee community — from the grocery-store debit card to using trust property as personal collateral. If you've done even one, the fix is the same: document it.
The Monthly 5-Minute Check
Three yes/no questions to ask every month while reviewing statements. Takes five minutes. Prevents the conversation you don't want to have with a beneficiary's attorney.
The Retroactive Fix Protocol
If you've already commingled, the answer isn't panic — it's transparency. Four steps to formalize what happened so it's defensible, not hidden.
The Simple Separation Rule
"If it touches a trust account, it needs a record. If it doesn't, it needs a reason why not."
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