Tennessee Dynasty Trust Laws

Comprehensive guide to Tennessee's trust statutes for dynasty planning.

Last reviewed: 2025-12-21 | 2025 Regular Session
84
Dynasty
100
State
78
Asset
95
Directed
92
Decanting

Is Tennessee right for your trust?

Compare Tennessee against other top jurisdictions based on your specific planning goals.

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Dynasty Duration

How long can a trust last in this jurisdiction? States that have abolished the Rule Against Perpetuities allow trusts to continue indefinitely, maximizing multigenerational wealth transfer.
84/100
360 years

Tennessee modified (but did not abolish) the Rule Against Perpetuities in 2007, extending the permissible trust duration to 360 years. While substantial, this is shorter than perpetual jurisdictions like South Dakota, Nevada, and Delaware.

Conditions & Requirements

  • Applies to trusts created after July 1, 2007

Important Considerations

  • ⚠️360 years is shorter than perpetual trust jurisdictions
  • ⚠️For ultra-long-term dynasty planning, consider perpetual jurisdictions

Statutory References

TCA § 66-1-202Rule against perpetuities - 360-year period
Verified: 2025-12-21

State Income Tax

Does the state impose income tax on trust income? States with no income tax or favorable trust taxation rules can significantly reduce the tax burden on trust earnings.
100/100
No state income tax

Tennessee fully repealed the Hall Income Tax effective January 1, 2021. Tennessee now has no state income tax on trust income, interest, dividends, or capital gains. This makes Tennessee equivalent to other no-income-tax states for trust purposes.

Statutory References

TCA § 67-2-101 et seq. (repealed)Hall Income Tax - fully repealed effective January 1, 2021
Verified: 2025-12-21

Asset Protection

How strong are the state's Domestic Asset Protection Trust (DAPT) laws? Key factors include statute of limitations for fraudulent transfer claims, exception creditors, and judicial history.
78/100
DAPT with 4-year statute of limitations

Tennessee has DAPT legislation through the Tennessee Investment Services Trust Act. The statute of limitations is 4 years from transfer or 1 year from discovery, whichever is later. Tennessee's DAPT statute is newer than South Dakota or Alaska with less established case law.

Conditions & Requirements

  • Requires qualified Tennessee trustee (individual resident or TN trust company)
  • Some trust property must be located in Tennessee or administration must have TN contacts

Important Considerations

  • ⚠️Child support and alimony are exception creditors
  • ⚠️Medicaid/state medical assistance claims are exception creditors
  • ⚠️Tort claims (even arising after trust creation) may reach assets
  • ⚠️4-year SOL is longer than South Dakota, Nevada, or Wyoming (2 years)

Statutory References

TCA §§ 35-16-101 through 35-16-112Tennessee Investment Services Trust Act (TISTA)
TCA § 35-16-108Creditor claims limitations and statute of limitations
Verified: 2025-12-21

Directed Trust & Trust Protector

Does the state have robust statutes for directed trusts (separating investment and distribution duties) and trust protectors? These structures provide flexibility and professional management.
95/100
Comprehensive Uniform Directed Trust Act (2020)

Tennessee adopted the Uniform Directed Trust Act effective July 1, 2020, providing comprehensive, modern directed trust and trust protector provisions. The statute allows separation of trustee duties with explicit liability protection for directed trustees following proper directions.

Statutory References

TCA §§ 35-15-801 through 35-15-816Tennessee Uniform Directed Trust Act
TCA § 35-15-809Duty and liability of directed trustee
Verified: 2025-12-21

Decanting Flexibility

How easily can trust terms be modified through decanting? Broader decanting powers allow for greater flexibility to adapt to changing circumstances without court involvement.
92/100
Full Uniform Trust Decanting Act (2016)

Tennessee adopted the full Uniform Trust Decanting Act effective July 1, 2016. The statute provides broad powers to modify beneficial interests, extend trust terms, change situs, and update administrative provisions. No court approval generally required.

Conditions & Requirements

  • 60 days notice to qualified beneficiaries required
  • Cannot reduce fixed income interests without consent

Important Considerations

  • ⚠️Limited decanting options for trusts with charitable interests
  • ⚠️Tax-qualified provisions must be preserved

Statutory References

TCA §§ 35-16-801 through 35-16-822Tennessee Uniform Trust Decanting Act
TCA § 35-16-807Notice requirements for decanting
Verified: 2025-12-21

The Honest Take on Tennessee

What It Does Best

360-year duration, no state income tax (since 2021), and investment-friendly directed trust statutes. Growing trust industry.

The Downside

The tort creditor exception in the DAPT statute is a huge hole. If someone sues you for a car accident, your Tennessee trust won't help.

Use TN If...

  • Tax savings are your main goal, not asset protection
  • You're working with a Tennessee-based attorney or trust company
  • 360 years is 'long enough' for your planning

Skip TN If...

  • Asset protection is important (the tort exception kills it)
  • You want perpetual duration
  • You have no specific Tennessee connections

Bottom Line

Tennessee talks a good game on asset protection but the tort creditor exception is a dealbreaker. For pure dynasty planning without asset protection, it's fine. For anything else, look elsewhere.

General Caveats for Tennessee

Requires a qualified Tennessee trustee (individual resident or Tennessee trust company).
Applies when: Always
Tennessee's 360-year trust duration is shorter than perpetual jurisdictions. For ultra-long-term dynasty planning, consider South Dakota, Nevada, or Delaware.
Applies when: Multigenerational wealth transfer is primary goal
Tennessee adopted modern uniform trust acts in 2016-2020, providing cutting-edge directed trust and decanting provisions.
Applies when: Flexibility and modern governance are priorities
Tennessee's DAPT statute allows tort creditors to reach assets even for torts arising after trust creation - more restrictive than some states.
Applies when: Asset protection is primary goal

Compare Tennessee vs. Other States

Official Sources

Disclaimer: This page provides general information about Tennessee trust laws for educational purposes only. It does not constitute legal, tax, or financial advice. Laws change frequently; verify all information with current statutes and consult qualified professionals before making any decisions.