A pooled trust is a trust that holds funds for multiple funders/beneficiaries under a single master trust agreement, while maintaining a separate account for each individual. It allows beneficiaries to protect settlement funds, maintain eligibility for public benefits, and access trust funds for approved needs.

The Ho‘ola Lahaina Foundation Pooled Trust is designed for Maui residents affected by the Lahaina wildfires who have received, or expect to receive, settlement funds or other assets and want to ensure long-term financial support.

Yes. Trust funds are available to support your needs as they arise, subject to trustee approval. Unlike structured settlement annuities, funds are not limited to fixed payment schedules and can be used when circumstances change.

Trust funds may be used to support a wide range of supplemental needs and quality-of-life expenses, including housing-related costs, education, transportation, personal care, and other approved expenses.

The Ho‘ola Lahaina Foundation serves as trustee, with administration provided by HELG Administrative Services, LLC, a Hawai‘i-based fiduciary services team. Investments are managed by True Link Financial LLC, an experienced investment advisor specializing in pooled trusts.

Yes. The trust is administered in Hawai‘i and operates under Hawai‘i law. Local administration allows for stronger relationships with beneficiaries, familiarity with local agencies and service providers, and more responsive support.

Joining the pooled trust requires signing a joinder agreement. There is no need to draft an individual trust document, which makes the process faster and more cost-effective than many alternatives.

Because the pooled trust uses an existing master trust agreement, setup is typically much faster than creating a standalone trust or purchasing a structured settlement annuity.

Yes. A pooled trust spreads administrative and investment costs across multiple beneficiaries, which generally results in lower overall fees compared to standalone trusts, institutional trustees, or annuity products.

The trust operates under the jurisdiction of the State of Hawai‘i and is subject to applicable state and federal laws. Beneficiaries receive regular reporting, and fiduciary oversight ensures funds are managed responsibly.

Any remaining funds are handled in accordance with the terms of the trust and applicable law. Specific details can be discussed with the trust administrator based on individual circumstances.

You are encouraged to contact the Ho‘ola Lahaina Foundation team with any questions. We are happy to discuss your situation and help determine whether a pooled trust is the right fit.