Tennessee: Revocable Living Trust Creation Requirements

Requirements one by one

Governing law and scope

Tenn. Code Ann. §§ 35-15-101–102 identify chapter 15 as the Tennessee Uniform
Trust Code and apply it to express trusts. This page uses its ordinary creation,
validity, revocation, acceptance, and third-party provisions for a private
revocable inter vivos trust, while keeping each asset transfer separate.

Settlor capacity and intent

Tenn. Code Ann. § 35-15-601 expressly borrows will-making capacity for creating,
amending, revoking, or adding property to a revocable trust and for directing
the trustee. Tenn. Code Ann. § 32-1-102 supplies that standard: sound mind and age 18 or
older.

Section 35-15-402 separately requires the settlor to indicate an intention to
create the trust. Under § 35-15-406, fraud, duress, or undue influence makes
the trust void to the extent it induced creation.

Creation method and effective time

Section 35-15-401 recognizes four routes: transfer to another trustee during
life or through a death-effective disposition, an owner's declaration over
identifiable property, exercise of a power of appointment in favor of a
trustee, or a court acting under statutory or equitable powers.

A designated trustee accepts under § 35-15-701 by substantially complying with
the trust's method. If that method is absent or nonexclusive, accepting
delivery, exercising trustee powers, performing duties, or otherwise indicating
acceptance is enough.

Trust property and funding

Tennessee makes the asset step unusually explicit. Section 35-15-402(d) says a
lifetime trust is valid as to assets held by it only to the extent they have
been transferred.

For registrable assets—including real estate, securities, and bank or brokerage
accounts—record the deed or complete registration in the trust's or trustee's
name. A recital in the trust instrument alone does not transfer that property.
For nonregistrable assets, a recital of assignment describing the asset can
make the transfer.

Effective July 1, 2025, Public Chapter 101 added another route for qualifying
tangible personal property. A delivered written instrument may cover property
owned when signed and later-acquired property if the transferor signs it,
identifies the property in general terms, and specifically identifies the
trust.

Beneficiary and purpose

Under § 35-15-402, an ordinary private trust needs a definite beneficiary who
can be ascertained now or later. A trustee may hold a valid power to select a
beneficiary from an indefinite class, subject to the statutory result if that
power is not timely exercised.

Tenn. Code Ann. § 35-15-404 requires a lawful purpose that is possible to achieve and
requires the trust and its terms to benefit the beneficiaries as their
interests are defined by the trust.

Trustee eligibility and same-person roles

The owner-declaration route in § 35-15-401 permits the settlor to serve as
trustee. Section 35-15-402 requires trustee duties and bars the same person from
being both sole trustee and sole beneficiary. The settlor may therefore combine
the settlor, trustee, and beneficiary roles only when another trustee or another
beneficial interest prevents that sole-role merger.

Acceptance can occur through the stated method or the conduct routes in
§ 35-15-701; a separate trustee signature is not the only statutory route.

Instrument, signature, witness, and notary

Tenn. Code Ann. § 35-15-407 permits an oral trust unless another statute requires a
writing. Creation and the oral terms must be proved by clear and convincing
evidence. Section 35-15-601 also says a trust receiving a post-death disposition
does not have to use will-execution formalities merely for that reason under
§ 35-15-601.

Public Chapter 101 amended § 35-15-1102 to treat execution of an inter vivos
trust instrument and a document transferring an asset to or from a trust as a
transaction under § 47-10-103. Tenn. Code Ann. § 47-10-107 recognizes electronic records
and signatures and allows them to satisfy writing and signature requirements.

Those provisions do not erase an asset-specific form. Under § 66-22-101, a
document presented to the county register needs the maker's original signature,
which may be electronic, plus lawful acknowledgment or proof by at least two
subscribing witnesses.

Revocability default and reserved power

Tenn. Code Ann. § 35-15-602 makes a trust revocable unless its terms expressly provide
otherwise, but that default does not apply to an instrument executed before the
TUTC's July 1, 2004 effective date.

The settlor may substantially comply with the trust's method. If no method is
provided, or it is not expressly exclusive, the statute also recognizes a
qualifying later will or codicil and any other method showing clear and
convincing evidence of the settlor's intent.

For multiple settlors, authority over non-community property follows each
settlor's contribution. The statute separately addresses community property
and each surviving settlor's portion.

Registration, recording, and third-party effect

The creation elements contain no routine court-filing requirement, and
§ 35-15-201 says a trust is not subject to continuing judicial supervision
unless a court orders it.

Section 35-15-1013 permits an optional certification instead of the whole trust
instrument. The authorized trustee signs it and a notary attests it. A person
without actual knowledge that its representations are wrong may rely on it.

Registration can still be part of funding. Section 35-15-402(d) requires the
deed to be recorded or another registrable asset to be re-registered before
that asset is transferred to the lifetime trust. Under §§ 66-26-101 and
66-26-103, an instrument can operate between its parties without registration,
but generally affects outsiders without actual notice only from registration;
under § 66-26-103, an unregistered instrument is void against creditors and bona fide purchasers
from the maker without notice.

What trips people up

A Schedule A recital does not fund every asset. Tennessee expressly rejects
a recital-only transfer for real estate, stocks, bonds, bank accounts, brokerage
accounts, and other assets capable of registration.

Oral trust proof does not replace deed registration. Section 35-15-407 can
recognize an oral trust, while § 35-15-402(d) still requires the recorded deed
that transfers real estate into a lifetime trust.

The revocability default has a date boundary. The statutory default does
not apply to a trust instrument executed before July 1, 2004.

Common questions

Can one assignment cover tangible property I acquire later?

For the category added in 2025, yes. The signed instrument may cover qualifying
tangible personal property owned when it is signed and property the transferor
later acquires, if it identifies the property generally and specifically names
the trust.

Must a trustee sign the trust instrument to accept office?

Not under every route. Section 35-15-701 also recognizes accepting delivery,
exercising trustee powers, performing trustee duties, or otherwise indicating
acceptance when the trust's method is absent or nonexclusive.

Does a certification of trust need notarization?

Yes. The optional certification under § 35-15-1013 is signed by the trustee or
trustees with signatory authority and attested by a notary public. That does not
make notarization a universal formality for the trust itself.

Statutes and sources

• Tenn. Code Ann. §§ 35-15-101–102, -201, -401–407, -601–602, and -701 —
  scope, creation, court role, capacity, oral proof, revocability, and trustee
  acceptance. Official enacting act
  (accessed July 30, 2026).
• Tenn. Code Ann. § 35-15-402(d) — asset-by-asset funding rules, including
  the 2025 tangible-property route. Official 2017 act
  and official 2025 amendment
  (accessed July 30, 2026).
• Tenn. Code Ann. §§ 35-15-1102 and 47-10-107 — electronic trust and
  transfer transactions, records, and signatures. Official 2025 amendment
  (accessed July 30, 2026).
• Tenn. Code Ann. § 35-15-1013 — optional notarized certification and
  third-party reliance. Current transformed Title 35
  (accessed July 30, 2026).
• Tenn. Code Ann. §§ 66-22-101 and 66-26-101 to -103 — authentication for
  county registration and effect against third parties. Current transformed Title 66
  (accessed July 30, 2026).