The Problem
Most plans fail at the finish line.
An advisor introduces a client to estate planning. The client completes the questionnaire. The platform generates the trust from attorney-reviewed templates, and the client signs and has the document witnessed. Everyone exhales. The plan looks finished.
It is not. The trust is an empty vessel until accounts are retitled, beneficiary forms updated, and deeds recorded. That step takes weeks of paperwork across a dozen institutions, each with their own forms, language, and delays. Most clients never get there. Most advisors never follow up because there is no system to track it. The journal essay Why most revocable trusts are never funded covers the structural reasons in depth. Advisors running this in the platform should read trust funding letter automation for the step-by-step workflow.
When the client dies, assets are still in their individual name. The estate goes through probate. The plan failed. The family blames the advisor. The advisor loses the relationship and the AUM.
The Solution
Funding letters, automated. From asset inventory to delivered proof.
Six Letter Templates
Every asset class. Every institution. Pre-filled.
Bank Accounts
Retitle checking, savings, money market, and CDs into the trust. Generated from the household asset inventory with signature blocks and the successor trustee language institutions require.
Brokerage Accounts
Retitle taxable investment accounts. Includes the trustee certification language and the certificate of trust enclosure brokerages ask for.
Retirement Accounts
Updates beneficiary designations on IRAs, 401(k)s, and 403(b)s without retitling. Preserves tax treatment, names primary and contingent beneficiaries from the household questionnaire.
Life Insurance
Updates ownership and beneficiary on permanent and term policies, generated per policy from the household asset inventory and routed to the carrier on file.
Business Interests
Assigns LLC membership interests, partnership interests, and S-corp shares into the trust. Includes assignment language and operating agreement consent reminders.
Safe Deposit Boxes
Adds the trust as authorized party on safe deposit boxes so successor trustees can access contents without court orders.
Plus: Deed Recording
Real estate, handled end to end.
Beyond the six funding-letter templates, Bancroft handles real estate transfers as a paid add-on at $199 per deed. Lady Bird Deeds are reviewed by a licensed attorney before generation.
Where the state requires a transfer affidavit alongside the deed, Bancroft auto-generates it with the recording packet, including statutory filing-deadline reminders so the household does not discover a late-filing penalty the hard way. No other estate planning vendor generates the state filing alongside the deed.
The Workflow
Six steps. Tracked end to end.
01
Asset inventory
The household completes the asset intake during questionnaire. Bancroft knows which institutions hold which assets.
02
Auto-generated packet
When you toggle a trust as final, Bancroft generates the entire funding packet for that household. One letter per asset, pre-filled.
03
Advisor approval
You review and approve in batch from the Trust Funding tab. Edit institution addresses or signer details if anything looks off.
04
Client packet
The client downloads the full ZIP, prints the letters, signs, and mails them. Or you mail them on the client behalf if you prefer.
05
Mark mailed and prove delivery
Client marks each letter as mailed and uploads the certified mail receipt or institution confirmation directly into the encrypted Digital Safe.
06
Automated reminders
Daily reminder cron nudges clients on outstanding items. The advisor dashboard tracks completion percent across the entire book.