Naming a PA Successor Trustee

The successor trustee steps in when you can no longer serve. Their job is administrative, fiduciary, and often longer than the settlor expects — sometimes decades.

Individual trustees

Cost nothing, know the family, but may lack expertise and may not outlive the trust. Best for short administrations.

Corporate trustees

Pennsylvania banks and trust companies charge 0.75–1.25% annually but provide continuity, investment management, and impartiality. Worth it for trusts over $1M with multi-generation horizons.

Removal power

Build in a beneficiary removal power with a corporate-trustee successor requirement, so problems can be solved without litigation.