Tennessee vs Wyoming

Side-by-side comparison of dynasty trust laws

89.8
Tennessee
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96.0
Wyoming
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CriteriaTennesseeWyoming
Dynasty Duration
How long can a trust last in this jurisdiction? States that have abolished the Rule Against Perpetui...
84
360 years
95
1,000 years
Higher
State Income Tax
Does the state impose income tax on trust income? States with no income tax or favorable trust taxat...
100
No state income tax
100
No state income tax
Asset Protection
How strong are the state's Domestic Asset Protection Trust (DAPT) laws? Key factors include statute ...
78
DAPT with 4-year statute of limitations
90
Strong DAPT with 2-year statute of limitations
Higher
Directed Trust & Trust Protector
Does the state have robust statutes for directed trusts (separating investment and distribution duti...
95
Comprehensive Uniform Directed Trust Act (2020)
100
Comprehensive directed trust and trust protector statutes
Higher
Decanting Flexibility
How easily can trust terms be modified through decanting? Broader decanting powers allow for greater...
92
Full Uniform Trust Decanting Act (2016)
95
Broad decanting powers
Higher

Detailed Comparison

Dynasty Duration

Tennessee

84
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.

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

Wyoming

95
1,000 years

Wyoming abolished the Rule Against Perpetuities in 2003, allowing trusts to last up to 1,000 years. While not perpetual, this effectively provides dynastic duration for any practical planning purpose. The 1,000-year limit applies to both real and personal property.

State Income Tax

Tennessee

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Tennessee fully repealed the Hall Income Tax effective January 1, 2021.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.

Wyoming

100
No state income tax

Wyoming's constitution prohibits state income tax. This applies to individuals, corporations, and trusts. Trust income is not taxed at the state level regardless of trustee location, beneficiary location, or grantor residence.

Asset Protection

Tennessee

78
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.

  • ⚠️ 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)

Wyoming

90
Strong DAPT with 2-year statute of limitations

Wyoming enacted its Qualified Spendthrift Trust statute in 2007. The 2-year statute of limitations for fraudulent transfer claims is competitive with South Dakota and Nevada. Self-settled spendthrift trusts are permitted.

  • ⚠️ Child support and spousal support are exception creditors
  • ⚠️ Federal government claims (tax liens, Medicare/Medicaid) remain enforceable
  • ⚠️ Pre-existing tort claims may reach assets if judgment entered within 2 years

Directed Trust & Trust Protector

Tennessee

95
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.

Wyoming

100
Comprehensive directed trust and trust protector statutes

Wyoming has comprehensive directed trust and trust protector statutes enacted in 2011 and expanded since. The statutes allow complete separation of trustee duties with explicit liability protection. Trust protectors can be granted broad powers including modification of trust terms, removal of trustees, and change of situs.

  • ⚠️ Trust protector is a fiduciary under Wyoming law and owes duties to beneficiaries

Decanting Flexibility

Tennessee

92
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.

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

Wyoming

95
Broad decanting powers

Wyoming's decanting statute (enacted 2013) provides broad powers. Trustees with absolute discretion can decant to new trusts with virtually any modified terms. Even trustees with limited discretion can change administrative and governance provisions. No court approval required.

  • ⚠️ HEMS standard trusts have more limited decanting options
  • ⚠️ Cannot eliminate tax-qualified provisions

The Bottom Line: TN vs WY

Wyoming is the clear winner. No income tax, 1,000-year duration, and no tort exception weakness. Tennessee has no advantage unless you have local ties.

Choose Tennessee If...

You have deep Tennessee connections and accept the asset protection limitations.

Choose Wyoming If...

You want better asset protection, lower costs, and a more flexible statute.

Real Talk

Wyoming beats Tennessee on almost every metric. The only reason to choose Tennessee is if you're already there and want to keep things local.

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Disclaimer: This comparison provides general information 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.