There Are No Residence Requirements
Contrary to its name, beneficiaries do not need to be a resident of a Camphill community, but are free to live anywhere. Regardless of a beneficiary's living situation, the trustees of the CRT have a commitment to keep in touch with the individual, and to be ready to help make decisions regarding the distribution of funds from the CRT for his or her benefit.

Disbursement Decisions
Each beneficiary's trust account is maintained separately and the funds therein are used solely for his or her benefit. Legal responsibility for withdrawals resides with the trustees. However, the CRT actively promotes interactions between the individuals most closely in touch with the daily well-being of the beneficiary, (which usually includes family members), they, together with the CRT Board, make decisions about proper use of funds. This interaction between people for the benefit of others is a basic principle of Camphill life.

Investments
The investment Committee of the CRT is a group of individuals with years of solid investment experience. They set guidelines and oversee the activities of the National Penn Investors Trust Company which serves as the corporate custodian of the CRT and co-trustee for investment and financial management purposes only. Growth of capital with a reasonable income is a basic investment objective. There is concern for socially responsible investing, with a preference toward a blended, and a carefully conservative, investment approach.

Recordkeeping
Sponsors of accounts receive quarterly reports showing all activity (income, fees, deposits, withdrawals, taxes) on their own beneficiary's account. National Penn Investors Trust Company (NPITC) prepares annual tax returns for each account.

Establishing an Account The minimum for starting a CRT account is $ 15,000. However, an initial deposit of as little as $ 3,000 may open an account with the remainder of the $ 15,000 to be deposited within two years. Additional contributions, in amounts of $ 100 or more, can be made at any time to an established CRT account.

There is no maximum balance for a CRT account. Families are requested to give careful consideration to potential long-term needs of the beneficiary as part of a full estate planning process.