TAILIEUCHUNG - USAA Trust Services - Protect your future and that of your loved ones

In practice, there are a number of problems with the use of market structure and regulatory indicators to measure competitiveness which also apply in the context of the EAC. 3 For one, market structure is not exogenous since market structure itself can be affected by firms’ performance. Second, interpreting these measures requires some judgment on what should be the optimal structure of the banking system. Figure 2 illustrates the problem in the EAC countries by comparing three frequently used indicators of market structure and performance—the three-bank concentration ratio, interest rate spread, and the return on assets (ROA)—for the EAC countries and. | USAÃ USAA Trust Services USAA Trust Services Protect your future and that of your loved ones You have worked a lifetime to accumulate your assets. Now you need to protect those assets and ensure they keep their value. Managing your wealth takes careful coordination of financial management and legal planning to protect assets from the costs that can erode their value and delay the efficient distribution of assets to your heirs. Estate settlement costs taxes legal fees privacy issues and other considerations need to be taken into account when you consider how to manage your wealth today and for the future. Carefully coordinated trust and financial planning services are a vital part of that plan. 1 Security. Stability. Protection. What is a trust A trust is a flexible financial planning tool that holds the assets of an individual the settlor or grantor for the benefit of one or more beneficiaries. The grantor names a trustee and possibly a co-trustee to manage the trust during the grantor s lifetime and distribute at death the trust s assets according to the grantor s wishes. Often an institution that provides professional trust management services is chosen as either a trustee or co-trustee. Why have a trust Trusts are not only an estate-planning tool for the very wealthiest people. A trust can benefit people with even modest assets as a part of a financial management strategy. As part of a comprehensive financial management plan a trust can be tailored to protect your assets and give you greater financial peace of mind. Trusts can help you Maintain continuity of asset management in the event of incapacitation or death Provide for your family s financial needs after your death Ensure privacy for your estate Eliminate probate fees on assets held in living trust Reduce or eliminate estate taxes Expedite the distribution of assets to beneficiaries Provide better control over asset distribution to beneficiaries with special needs either during the parent s lifetime or .

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