HomeMy WebLinkAbout09-11-12IN RE: TRUST OF PHILIP COURT OF COMMON PLEAS FOR
REYNOLD HOFFMAN CUMBERLAND COUNTY, PENNSYLVANIA
ORPHANS COURT DIVISION
NO: 2012 - ~~
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ACCORDANCE WITH 20 PA.C.S.A. &7766fB) ~ ti
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AND NOW COMES Petitioner, Philip V. Hoffman, by and through his att ~~;
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Salzmann Hughes, P.C., and hereby files this Petition for the Removal of Trustee ~ - ; ~'
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respectfully avers as follows: ~? ~ ~ ~
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1. Petitioner, Philip V. Hoffman, is an adult individual residing at 72 Ladnor Lane, Carlisle,
Cumberland County, Pennsylvania 17015 (hereinafter "Petitioner").
2. Respondent, BNY Mellon, N.A., is a national banking association organized under the
laws of the United States of America, with a principal place of business at 1 Mellon Bank
Center, Pittsburgh, Allegheny County, Pennsylvania 15258; however, all correspondence
from BNY Mellon, N.A. are transmitted through its wealth management group, BNY
Mellon Wealth Management, with an address of 1735 Market Street, Philadelphia,
Pennsylvania 19103 (hereinafter referred to as "BNY Mellon, N.A." or "the Trustee").
3. Petitioner's father, Philip Reynold Hoffinan (hereinafter "Settlor"), established a Trust
dated September 19, 1979 with approximately One Million Dollars ($1,000,000.00)
(hereinafter "Trust"). A true and correct copy of the Trust Agreement is attached hereto
as Exhibit "A" and incorporated by reference.
4. The Trust was created when the Settlor and the Trust Officer from Commonwealth
National Bank entered into the Trust Agreement dated September 19, 1979 in Perm
Township, Cumberland County, Pennsylvania. See Exhibit "A ", notary page of Trust
Agreement.
5. Venue is proper in Cumberland County, Pennsylvania.
6. Settlor departed this life on July 23, 1984.
7. Pursuant to the terms of the Trust, Petitioner's mother, Vernon Pauline Hoffman was the
primary beneficiary of the Trust.
8. Petitioner's mother, Vernon Pauline Hoffman, departed this life on December 23, 2006.
9. Upon the death of Petitioner's mother, Petitioner became the beneficiary of the Trust.
10. As stated in the Trust Agreement, Settlor appointed Commonwealth National Bank as
trustee of the Trust. See Exhibit "A", Trust Agreement.
11. On October 1, 1991, Commonwealth National Bank was acquired by Mellon Bank, N.A.
12. On July 1, 2008, Mellon Bank, N.A. was acquired by Bank of New York and renamed
BNY Mellon, National Association.
13. BNY Mellon, N.A, through a portfolio manager at BNY Mellon Wealth Management
(BNY Mellon's Wealth Management Group), is the current Trustee of the Trust.
(referred to as the "Trustee" as set forth previously).
14. As of March 31, 2012, the Trust was valued at $505,967.04 and composed of the
following assets:
a. BNY Mellon Intermediate Bond Fund;
b. BNY Mellon Large Cap Fund;
c. BNY Mellon Mid Cap Stock Fund;
d. BNY Mellon Small Cap Stock Fund;
e. BNY Mellon International Fund; and
f. BNY Mellon Emerging Markets Fund.
A true and correct copy of the statement dated March 31, 2012 is attached hereto as
Exhibit "B" and incorporated by reference.
15. As of Apri130, 2012, the Trust was valued at $503,026.32 and composed of the
following assets:
a. CRA (BNY Mellon, N.A., Member FDIC);
b. CRA (BNY Mellon, N.A. Member FDIC);
c. BNY Mellon Short-Term U.S. Government Security Funds;
d. BNY Mellon Intermediate Bond Fund;
e. BNY Mellon Bond Fund;
f. BNY Mellon Large Cap Stock Fund;
g. BNY Mellon Focused Equity Opportunities Fund;
h. BNY Mellon US Core Equity 13/3;
i. BNY Mellon Mid Cap Stock Fund;
j. BNY Mellon Small/Mid Cap Fund;
k. Dreyfus Diversified International Fund; and
1. BNY Mellon Emerging Markets Fund.
A true and correct copy of the statement dated Apri130, 2012 is attached hereto as
Exhibit "C" and incorporated by reference.
16. It is believed and therefore averred that the above mentioned assets in Paragraphs 14 and
15 are owned by a subsidiary of BNY Mellon, N.A.
17. As demonstrated by the statements dated March 31, 2012 and April 30, 2012, all trust
assets are located in assets of BNY Mellon, N.A. and/or a subsidiary of BNY Mellon,
N.A.
18. The Trustee has failed to diversify the assets of the Trust and is self-dealing.
19. As demonstrated on the Apri130, 2012 statement, the Trustee sold $42,470.58 of BNY
Mellon International Funds and purchased $35,070.33 worth of BNY Mellon Emerging
Market Funds on April 2, 2012 along with other sales and purchases of BNY Mellon
funds and the Dreyfus Diversified International Fund.
20. As -set forth in the aforementioned two statements, the Trustee has switched funds from
one Fund owned by BNY Mellon, N.A. and/or a subsidiary of BNY Mellon, N.A. to a
different fund owned by BNY Mellon, N.A. and/or a subsidiary of BNY Mellon, N.A.
and gaining commission and/or upfront fees on each transaction.
21. The Trustee is only investing in its own assets or assets owned by one of its subsidiaries
and therefore is self-dealing in order to receive monetary gain in addition to the fees
associated with administering the Trust, i.e. upfront fees and/or commission when
switching between funds affiliated with BNY Mellon, N.A.
22. The Trustee is mismanaging and wasting the money of the Trust.
23. The suitability of the investments is in serious doubt as all investments are located in
assets of BNY Mellon, N.A. and/or subsidiaries of BNY Mellon, N.A.
24. The Trustee has committed a serious breach of trust in its actions in administering the
Trust.
25. Since July 1, 2008 (Market Value of Trust $522,480.17) through June 30, 2012 (Market
Value of Trust was $484,724.54), the Trust Assets have decreased by $37,755.63. A true
and correct copy of the account summary dated July 3 ] , 2008 is attached hereto as
Exhibit "D" and incorporated by reference. A true and correct copy of the statement
dated June 30, 2012 is attached hereto as Exhibit "E" and incorporated by reference.
26. As stated in averment 25, the long term pattern of mediocre, at best, performance
resulting in poor investment results when compared to other comparable trusts
demonstrates a persistent failure to administer the Trust effectively.
27. These actions and the aforementioned actions ofself-dealing, poor investment results,
and other actions demonstrate that the Trustee has persistently failed in administering the
Trust.
28. Paragraph FOURTH(d) of the Trust Agreement reads as follows:
"After the death of Settlor's wife, this Trust shall continue for the lifetime of Settlor's
son, Philip V. Hoffinan. During his liftetime, Trustee shall pay to Philip V. Hoffinan all
of the net income and such portions of the principal of this Trust as shall be necessary to
maintain Settlor's son in his proper station in life, including proper support,
maintenance and medical, hospital, and nursing care. The Trustee shall also consider
the fact that during Settlor's lifetime, he supplemented the income of his son, Philip
V. Hoffman, and did also make certain gifts to him." (emphasis added).
29. Petitioner has requested disbursements from the Trustee to supplement his income, to pay
everyday expenses and funds necessary to maintain his proper station in life.
30. The Trustee has refused to make any disbursements except for limited disbursements of
income to Petitioner.
31. The Trustee has refused to maintain Petitioner's proper station in life.
32. The Trustee has refused to consider the fact that the Settlor supplemented the income of
the Petitioner.
33. The Trustee's actions clearly demonstrate that it favors the residuary beneficiaries over
the current beneficiary.
34. The Trustee's actions clearly demonstrate that it is unwilling to administer the Trust in
the best interests of the beneficiaries.
35. The Trustee, in a letter dated May 3, 2011, purposely attempted to misguide Petitioner
regarding his rights in seeking the resignation of the Trustee by stating that the "trust was
established and is guided by an Agreement that does not provide to you [Petitioner] the
right to amend or revoke it." A true and correct of the letter dated May 3, 2011 is
attached hereto as Exhibit "F" and incorporated by reference.
36. The aforementioned actions demonstrate that the Trustee is not acting in the best interest
of the beneficiaries.
37. Commonwealth National Bank was selected as Trustee as it was a local bank in which
there was face to face personal contact with the individual in charge of the Trust.
38. The Trustee removed the Trust assets and the administration of the Trust to its office
located at 1735 Market Street, Philadelphia, Pennsylvania 19103.
39. In order to contact the Trustee, the beneficiary must either send a letter to the office
located in Philadelphia, Pennsylvania or call 1-888-805-5689 and speak to a different
representative, also known as portfolio manager, each time.
40. Unlike the personal contact at Commonwealth National Bank, the Trustee, through a
different representative and/or portfolio manager, does not have intimate knowledge of
the Trust and/or a working relationship with Petitioner.
41. Since the Trust Assets are less than One Million ($1,000,000.00) Dollars, the Trustee will
not permit the Trust to be administered by a representative or portfolio manager at a local
wealth management office of the Trustee in southcentral Pennsylvania.
42. The Settlor intended that the Trustee be a financial institution with a local Trust Officer
or representative able to assist Petitioner by providing personal contact.
43. The Trustee's administration of the Trust Assets is contrary to the desires and wishes of
the Settlor in selecting a financial institution with local offices and local Trust Officers or
representatives to administer the Trust and to assist the beneficiaries.
44. Pursuant to 20 Pa C.S.A. ~7766(b), a "court may remove a trustee if it finds that removal
of the trustee serves the best interests of the beneficiaries of the trust and is not
inconsistent with a material purpose of the trust, a suitable co-trustee or successor trustee
is available and:
a. Trustee has committed a serious breach of trust;
b. Lack of cooperation among cotrustee substantially impairs the administration of
the trust;
c. The trustee has not effectively administered the trust because of the trustee's
unfitness, unwillingness or persistent failures; or
d. There has been a substantial change of circumstances. A corporate reorganization
of an institutional trustee, including a plan of merger or consolidation, is not itself
a substantial change of circumstances"
45. The aforementioned actions of the Trustee clearly demonstrate that it is in the best
interests of the beneficiaries that the Trustee be removed.
46. The material purpose of the Trust will not be changed by the removal of the Trustee, as
evidenced by the fact that BNY Mellon, N.A. was not the original Trustee selected and
designated by the Settlor.
47. There are suitable successor Trustees available, which are in accordance with the
Settlor's intent of having a local representative and/or Trust Officer from a financial
institution administer the Trust.
48. Edward Jones Investments, F&M Trust, and M&T Bank are financial institutions with a
strong reputation in handling trust matters with local representatives, portfolio managers
and/or trust officers located in Cumberland County, Pennsylvania.
49. The Petitioner and the residuary beneficiary, Kimberly Hoffinan, desire that Edward
Jones Investments be appointed successor Trustee, as Edward Jones Investments has
substantial experience in handling trusts and has a local representative with whom the
Petitioner and residuary beneficiary have developed a strong working relationship.
50. Pursuant to 20 Pa C.S.A. §7766(b)(I), (3), and (4), the Trustee should be removed for the
foregoing and following reasons:
a. The Trustee has committed a serious breach of Trust by mismanaging the funds,
self-dealing, refusing to administer the Trust Agreement in accordance with the
Trust Agreement and other actions as outlined in this Petition.
b. The Trustee has not effectively administered the Trust because of the Trustee's
unfitness, unwillingness, and persistent failures in not acting in accordance with
the Trust Agreement, self-dealing, and other actions as stated in this Petition.
c. There has been a substantial change of circumstances, as Commonwealth
National Bank, nor a local representative of the Trustee, is no longer
administering the Trust.
51. It is likely that the Trustee's mismanagement and persistent failures will continue and
result in further loss to the Trust; thus, harming all beneficiaries of the Trust.
52. The Residuary beneficiary is the Petitioner's daughter, Kimberly Hoffman, who consents
to this Petition and the appointment of Edward Jones Investments as successor Trustee.
A true and correct copy of Petitioner's daughter's consent is attached hereto as Exhibit
"G" and incorporated by reference.
53. Based on the aforementioned averments, removal of BNY Mellon, N.A. as Trustee is
appropriate and warranted under the provisions of 20 Pa.C.S.A. §7766(b).
WHEREFORE, Petitioner respectfully requests that this Honorable Court remove BNY
Mellon, N.A., and any of its subsidiaries, departments and groups including BNY Mellon Wealth
Management as Trustee under the Trust Agreement dated September 19, 1979 and appoint
Edward Jones Investments or a similarly situated local financial institution as Trustee and award
a citation, directed to BNY Mellon, N.A., to show cause why it should not be removed as Trustee
under the Trust Agreement dated September 19, 1979.
Respectfully submitted,
Date: --~, ~ . Z
SALZMANN HUGHES, P.C.
~E. Kelso, Esq.
orney ID # 209107
354 Alexander Spring Road, Suite 1
Carlisle, PA 17015
Phone: (717) 249-6333
Attorneys for Petitioner
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. y~GeerraNAWy TAN.
TRUST AGREEMENT
THIS AGREEMENT made this ]~thday of .~?~. 1979,
between PHILIP REYNOLD HOFFMAN of South Middleton Township,
Cumberland County, Pennsylvania, hereinafter called "Settlor,"
and THE C01410NWEALTH NATIONAL BANK, a corporation duly formed
existing under the laws of the United States with its principal
office located in Harrisburg, Pennsylvania, hereinafter called
"Trustee."
WITNESSETH:
FIRST: That Settlor, in consideration of the trusts
hereby assumed by Trustee, has granted. bargained. sold,
assigned, transferred and set over, and by these presents
does grant, bargain, sell, assign, transfer and set over
unto Trustee, its successors and assigns, the property set
forth in Schedule "A" attached hereto and forming a part hereof;
To have, hold, receive and take said property hereby
granted and assigned, together with any additional sums of
money, investments oz other property which hereafter may be
transferred to Trustee to be held hereunder, unto the said
Trustee, its successors and assigns, in trust, nevertheless,
for the following uses and purposes:
To hold, manage, invest and reinvest the trust estate,
collect the income and pay over the net income to Settlor,
in quarterly installments, during his life.
SECOND: Upon the death of Settlor, the Trustee shall,
if Settlor predeceases his wife, VERNON PAL•LINE HOFFMAi1, divide
all of said assets, proceeds and funds into two (2) parts,
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each of which shall be held in trust sad constitute a separate
Trust Fund, to be known as "Trust A" and "Trust B."
The Trustee shall transfer to Trust A assets of the Trust
Estate selected by it having a value which, when added to the
value of all interests in property passing to Settlor's wife.
VERNON PAULINE HOFFMAN, either by Sectlor's Will or apart from
Settlor's Will, in a manner qualified for the marital deduction
under the provisions of the United States Internal Revenue
Code in effect at the time of Settlor'e death, will equ81 the
lesser of: (1) the maximum marital deduction allowable to
Sectloz's estate under the provisions of the said Code; or
(2) the minimum amount (if any, and if there is no such minimum
amount, then (1) shall be deemed the lesser of (1) and (2))
which, after taking into account all credits and deductions
(except the marital deduction) available to~Settlor's estate
under the provisions of the said Code, will result in no
federal estate tax due from Settlor's estate. Tha Trustee
shall satisfy the foregoing division by transferring to Trust A
only cash or other assets which are capable of qualifying for
said marital deduction. The Trustee shall determine all values
of assets for the purposes of this Section in accordance with
the federal estate tax values finally determined in Settlor's
estate except that assets transferred to Tzuat A in satisfaction
of the amount called for shall be valued at the date of transfer
to Trust A. In no event shall the assets transferred to Trust A
be liable for the payment of inheritance, estate or other
similar taxes of the United States of America, or of any state
or territory thereof, or of any foreign country or territory,
imposed against Settlor's estate, or the recipients thereof,
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whether passing by Settlor's Will or otherwise. rust B shall
be comprised of the remaining assets of the Trust Estate, or
the entire Trust Estate, if Settlor's wife does not survive
Settlor.
THIRD; The following provisions shall apply to Trust A:
The Trustee shall pay the net income fzom Trust A to
Settlor's wife, VERNON PAULINE HOFFMAN, at least quarter-
annually, or upon request, monthly, and shall pay to Settlor'e
wife, VERNON PAULINE HOFFMAN, such sums from the principal of
Trust A as will permit her to maintain a standard of living
comparable to that enjoyed by her during Settloz's lifetime,
including mediea2 care. Upoa the death of Settlor's wife,
VERNON PAULINE HOFFMAN, the Trustee shall pay the principal
to such person or persons, including her estate, in such
proportions, in such manner and for such estates as she shall
appoint by her Last Will and Testament. In default of such
appointment, either in whole or in part, the Trustee shall pay
out of the unappointed principal of Trust A any increase in
the federal estate tax on the estate of Settlor's wife, VERNON
PAULINE HOFFMAN, resulting from htr possession of the power
of appointment over the principal of Trust A and shall add
the balance of Trust A to Trust B.
FOURTH: The following provisions shall apply to Trust B:
(a) The Trustee shall have, hold, manage, 3nvast the same,
collect the income and pay over the net income and principal
as hereinafter provided.
(b') The Trustee shall pay over to Settlor's wife, VERNOI7
PAULIiiE ROFFMAN, the net income of this Trust in such amounts
and portions as the Trustee in its sole discretion may from
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time to time determine. In exercising its discretion, the
Trustee shall consider the needs of the Settlor's wifa, as
Settlor might consider if he were living. It is Settlor's
wish that, insofar as possible, his wife be supported and
maintained in the manner to which she was accustomed during
Settlor's lifetime.
(c) The Trustee shall, during the lifetime of Settlor'e
wife, pay to her such portions of the principal of this ?rust
as shall be necessary to maintain said wife fn her proper
station in life, including proper support, maintenance and
medical, hospital and nursing care.
(d) After the death of Settlor's wife, this Trust shall
continue for the lifetime of Settlor'e eon, PHILIP V. HOFFMAN,
During his lifetime, Trustee shall pay to PHILIP V. HOFFMAN
all of the net income and such portions of 'the principal of
this Trust as shall be necessary to maintsia Settlor's son
in his proper station in life, including proper support, main-
tenance and medical, hospital and nursing care. The Trustee
shall also consider the fact that during Settlor's lifetime,
he supplemented the income of hie son, PHILIP V. HOFFMAN,
and did also make certain gifts to him.
(e) Upon the death of the survivor of Settlor's wife and
son, this Tzust shall continue for the benefit of KIt~EKI,Y
AidN HOFFMAN, Settlor's granddaughter. During this period
the Trustee shall pay the net income arising from said Trust to,
oz for the benefit of, KIi~ffiERLY ANN HOFFMAN. :he Trustee
shall also pay to, or for the benefit of,ILiMBERLY ANN riOFFMAii
such portion of the pzincipal of this Trust as shall be neceasar
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to maintain her in a proper station in life, including proper
support, maintenance and medical, hospital and nursing care and
education.
(f) Upon KIMBERLY ANN HOFFMAN'S attaining the age of
twenty-five (25) years, the Trustee shall pay to KIMBERLY ANN
HOFFMAN one-thixd (1/3) of the then principal. Upon KIMBERLY
ANN HOFFMAN's attaining the age of thirty (30) years, the i
Trustee shall pay to KIMBERLY AN:i liOFFMAN one-half (1/2) of
the then principal. Upon KIMBERLY ANN HOFFMAN'e attaining the
age of thirty-five (35) years, the Trustee shall pay to
KIMBERLY ANN HOFF1fAN the balance of the then principal. •
Should KIMBERLY AI1N HOFFMAN die before final distribution
of the assets of said Trust, but be survived by than living
issue, the Trvatee shall monthly pay the net income from said
Trust to, or for the benefit of, said fssue~, per atizpea, living
at each time of distribution; as soon a6 any one of said issue
attains the age o£ twenty-one (21) years, and in no event
later than twenty (20) years following the death of KIMBERLY
ANN HOFFMAN, the Trustee shall pay over all of the then assets
in the Trust to the then living issue o£ KIMBERLY ANN 1IOFFMAN,
per stirpes. Should KIMBERLY AIIIi HOFFMAN die before final
distribution and not be survived by then living issue, the
provisions of subparagraph (g) herein shall obtain.
(g) If at any time before final distribution of the assets
of the Trust established for KIMBERLY AiiN HOFI'MAN or issue of
KIMBERLY ANN HOFFMAN, there are no living beneficiaries of said
Truss, the Trust shall terminate, and the Trustee shall pay
over all of the yssets to the following:
Roy E. Hoffman
Frances E. Sheely
.... o..Ke. Margaret D. ?1cGinnes
~,«~~..M••...w..~• Helen Mae Heiges
Leon W. McGinnes
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If any of the foregoing individuals are not then living, the
share of such individual shall be paid to the then living
issue of such deceased individual, per stirpes, and in default
of such issue shall be paid equally to the survivors of said
persons.
Iii WITNESS WHEREOF, PHILIP REYNOLD HOFFMAN hea hereunto
set his hand and seal, and TtIE COP'!clONWEALTH NATIONAL BANK has
' caused this Agreement of Trust to be signed and attested by
its proper officers the day and year above written.
Wi~tn~e~s~~J
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Attest: THE CO @l~li N TIO l~ Y
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COt•410Nl~ALTIt OF PENNSYLVANIA )
SS.
COt7NTY OF CUMBERLAND )
On this, the Jq day of ~ 1979, before me, a
Notary Public, personally appeared PttILIP REY:iOLD };OFFMAN,
known to me to be the person whose name fs subscribed to the
within instrument, and acknowledged that he executed the same
for the purposes therein contained.
In witness whereof, I hereunto set my hand and official
seal.
Not ~APNE M. UMIi~Ek,ssiry iuEc
-. PO1N 11Y- WM9ENW10 C9UN1Y
MY COMItLS51pN G11R[9 N9M, 12 1912
M4aihu, PenaiYlgiw Ao0ci7N11 d Nonr4r
COMMONWEALTH OF PENNSYLVANIA )
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COUNTY OF ~.CRn.~r ' )
On this, the !q day of ~+~~""~•, 1979, before me, '
a Notazy Public, personally appeared 1t'. '-'~++-GS+X
who acknowledged himself to be the ~, ~_ of
THE COMMONWEALTH NATIOpONAL BANY., a corporation, and that he,
as such ~ ~ qty-- beinE authorized to do so,
executed the foregoing instrument for the purposes therein
cos~t'~7(~{'red by signing the name of the corporation by himself as
In witness whereof, I hereunto set my hand and official
seal . Q'~.._.Lk...
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BNY MELLON
WEALTH MANAGEMENT
May 3, 2011
Re: Philip R. Hoffman Trust Under Agreement Accouut# 10170592BN8
Mr. Philip V. Hoffman
72 Ladnor Lane
Carlisle, PA 17015
Dear Mr. Hoffman:
We are in receipt today of your letter dated May 2,
2011 wherein you request BNY Mellon to resign as
Corporate fiduciary in favor of Edward D. Jones & Co.
I wish to advise you that we respectfully decline your
request and see no reason to resign. Please remember
that the trust was established and is guided by an
Agreement that does not provide to you the right to
amend or revoke it.
Should you have any questions, please feel free to
contact us.
Sincerely, _
Beth M. Tomeo
Client Services Group
CONFIDENTIAL
1735 Market Street, Philadelphia, PA 19103
888 805 5689
IN RE: TRUST OF PHILIP COURT OF COMMON PLEAS FOR
REYNOLD HOFFMAN CUMBERLAND COUNTY, PENNSYLVANIA
ORPHANS COURT DIVISION
NO: 2012 -
CONSENT
I, Kimberly Hoffman, who is a beneficiary of the Trust created under the Trust
Agreement dated September 19, 1979 by and between Philip Reynold Hoffman and
Commonwealth National Bank, do hereby consent to the removal of BNY Mellon and
any affiliate of BNY Mellon and/or Bank of New York Mellon Corporation including but
not limited to BNY Mellon Wealth Management as Trustee and the appointment of
Edwarci Jones as successor trustee or an alternative financial institution as this
Honorable Court may deem appropriate.
Date:
K' eriy off
IN RE: TRUST OF PHILIP
REYNOLD HOFFMAN
COURT OF COMMON PLEAS FOR
CUMBERLAND COUNTY, PENNSYLVANIA
ORPHANS COURT DIVISION
NO: 2012 -
VERIFICATION
verify that the statements made herein are true and con-ect. I understand that
false statements herein are made subject to the penalties of 18 Pa.C.S.A. § 4904,
relating to unswom falsification to authorities.
Date:
Philip V. Hoffma