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Charted in Delaware in 1914, RBC Trust Company (Delaware) Limited offers complete personal trust services through strategic partnerships with professional advisors across the country.

In addition to being a leader in providing trust services, we have over 100 years of private client banking and wealth management experience A Special Needs Trust is a legal entity used to set aside money or property for the benefit of a child or adult living with a disability. According to the 2010 U. S. Census Bureau, about 56.7 million Americans are living with a disability and about two-thirds of these individuals are living with a severe disability. For some individuals, the disability may be caused by a sudden, life-altering accident. For others, the condition may arise at birth or result from a chronic illness. Whatever the origin, severe disabilities almost always create a significant financial burden due to curtailed earning power and ongoing expenses.

RBC Trust Special Needs Trust services

At RBC Trust, the Special Needs Trust is a core capability and not an “add-on” service or afterthought. Our services for Special Needs Trust clients go far beyond the administration of trust assets. We believe in working closely with each client and family to help the beneficiary pursue the highest possible quality of life.

RBC Trust supports the beneficiaries of a Special Needs Trust in three primary ways:

  1. Helping to preserve government benefits by managing the trust properly with the coordination of a Distribution Committee
  2. Helping to meet long-term cash flow needs with prudent investment management of trust assets through our network of investment partners
  3. Helping to enhance the quality of life by working with your legal advisors to implement the Special Needs Trust so that it provides a wide range of quality-of-life activities and services, including education, recreation and custom living arrangements. Special Needs Trust Services are provided by a team of specialists:
    • Investment management oversight
    • Professional services coordination
    • Budgeting
    • Bill-pay
    • Liaise with professional tax advisors
    • Insurance evaluation

Team-based service

Each Special Needs Trust is managed by a specialist dedicated to Special Needs Trusts who works with a team of RBC Trust professionals.

Young couple with daughter

Minor’s Trusts / Educational Trusts

Features & Use

Controls gifts to child under annual gift tax exclusion, providing asset management until child reaches age of majority.


  • Undistributed income taxed at trust rates.
  • With consent of beneficiary, trust can continue after child reaches age of majority.


  • Child has full control of assets at age of majority.
  • Donor receives no income from the assets held in the trust.