I want to pull the trigger on setting up a trust.  Wife and I are getting close to retirement, and I want to make sure everything is squared away for my inevitable departure from this earth.

Ok, so we'll first set up a trust.  Me, wife, kids are all "members."

Has to be "funded," yes?  Re-title house to the trust?  Does that impact my mortgage or insurance rates, etc?  I'm at a stupid-low interest rate, so refinancing is not an option.

Vehicles, too?  That shouldn't impact my insurance, right?

Trust will be the named beneficiary of insurance payouts, but what about investment accounts?  Trust is listed as primary beneficiary?

I'll be getting together later this year with my attorney to make it official, I just wanted to have some modicum of a clue as to what we're doing.

And then, of course, can it also be an NFA trust for stuff I'm planning to purchase?  Or would that need to be a completely separate "entity?"

Generally speaking:

Separate trusts for NFA (since you don’t want “children” on an NFA trust) and another for everything else.

Everything else shouldn’t include non-collectible vehicles (or any other liability generating assets).

Care must be taken on making the trust a beneficiary of things like insurance and annuities as it alters the options available to those that gain control of the trust.

See a trust and NFA trust lawyer for more details.

Kids are all over 21.  Two out of the three have concealed carry licenses.