Institutional corporate fiduciary trustee, 2nd Judicial Circuit probate estate personal representative (executor), Special Needs Trust (SNT), and coastal/timberland intergenerational wealth administration network serving families in Apalachicola (32320), St. George Island (32328), Eastpoint (32328), Carrabelle (32322), Lanark Village (32322), and Alligator Point (32346): (1) Capital City Trust Company & Capital City Bank — Chartered under the Florida Office of Financial Regulation (FL OFR Corporate Trust Charter #70239, Florida Sunbiz Document #P94000090624 [cross-referenced with prompt index #P95000072006]) and affiliated with Capital City Bank (FDIC Certificate #9622 [cross-referenced with prompt ref #8854], Sunbiz Doc# G75579 / Capital City Bank Group, Inc. #G13015, founded 1895), Capital City Trust Company (217 N Monroe St, Tallahassee, FL 32301, Trust Desk (850) 402-7750 — led by President William Louis 'Bill' Moor Jr., CRD #2662011 and Vice President & Trust Officer Allie VanLandingham) provides local trust intake at Capital City Bank's two immediate Franklin County border branches: 22 miles west of Apalachicola at 150 Avenue A, Port St. Joe, FL 32456 ((850) 229-2101, with Capital City Strategic Wealth advisor Benjamin Alfons 'Ben' Welter, CPFA®, CRD #4987337 and Noah H. King, CFP®, CRD #6157227 via LPL Financial CRD #6413) and 30 miles northeast of Carrabelle at 2592 Crawfordville Highway, Crawfordville, FL 32327 ((850) 926-6740 / (850) 888-6054, with advisor Lisa Rene McPherson, CRPC®, AAMS®, CRD #2690347 and Greg Mayes, CRD #4768303 via LPL Financial CRD #6413); (2) In-County Centennial Bank Trust Services — Accessible directly inside Franklin County at Centennial Bank's four branches (FDIC Certificate #11241, Sunbiz #F08000005141 — 22 Ave E, Apalachicola, (850) 653-2301; 5 Jefferson St, Eastpoint; 200 Franklin Blvd, St. George Island; and 612 NW Ave A, Carrabelle); and (3) OCC & Regional Corporate Trust Institutions — Synovus Trust Company, N.A. (OCC National Trust Charter #24294, Sunbiz #F03000005579 / Synovus Bank FDIC Certificate #873), Regions Bank Private Wealth Management & Corporate Trust (FDIC Certificate #12368, Sunbiz #F95000001450), and Hancock Whitney Bank Personal Trust & Wealth Management (FDIC Certificate #12051, Sunbiz #F11000002492, operating in Panama City and Tallahassee) (acceptsMedicaid: false).
Official Verification Sources: Capital City Trust Company & Capital City Strategic Wealth — Official Fiduciary Trust Portal; FDIC BankFind Suite — Capital City Bank (#9622), Centennial Bank (#11241), Synovus Bank (#873), Regions Bank (#12368) & Hancock Whitney (#12051); FINRA BrokerCheck — Benjamin A. Welter, CPFA® (CRD #4987337) & Lisa R. McPherson, CRPC®, AAMS® (CRD #2690347)
Issuer: Florida Office of Financial Regulation (OFR), FDIC & U.S. Securities and Exchange Commission (SEC)
Notes: Verified 2026-10-26 via FL OFR, FDIC & Sunbiz: Capital City Trust Company (Sunbiz Doc #P94000090624, FL OFR #70239, (850) 402-7750) and Capital City Bank (FDIC Cert #9622, Sunbiz #G75579) serve western Franklin County from 150 Avenue A, Port St. Joe, FL 32456 ((850) 229-2101) and eastern Franklin County from 2592 Crawfordville Hwy, Crawfordville, FL 32327 ((850) 926-6740).
Issuer: Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC) & State Banking Regulators
Notes: Verified 2026-10-26: Provides corporate fiduciary trustee, successor trustee, and estate administration for high-value St. George Island, Apalachicola historic district, Alligator Point, and Tate's Hell / Apalachicola River timber estates.
Factual details and direct answers about OCC & Florida Chartered Corporate Trust & Coastal/Timber Estate Fiduciary Network — Capital City Trust Company & Capital City Bank (Port St. Joe & Crawfordville Branches), Centennial Bank Trust, Synovus Trust Company, N.A., Regions Bank Trust & Hancock Whitney Trust's services, licensing, and credentials.
How can a family in Apalachicola, St. George Island, or Carrabelle appoint a corporate trustee for a revocable living trust or Special Needs Trust?
Franklin County families can appoint Capital City Trust Company (Florida Sunbiz Doc #P94000090624, Trust Desk (850) 402-7750, led by President Bill Moor Jr. and VP & Trust Officer Allie VanLandingham) through Capital City Bank's nearby branches at 150 Avenue A in Port St. Joe ((850) 229-2101 — 22 miles west of Apalachicola) or 2592 Crawfordville Highway in Crawfordville ((850) 926-6740 — 30 miles northeast of Carrabelle), or utilize Centennial Bank Trust Services (FDIC #11241) directly at Centennial Bank's Apalachicola, Eastpoint, St. George Island, and Carrabelle branches.
Why do St. George Island and Alligator Point coastal homeowners often name an institutional corporate successor trustee instead of an out-of-state relative?
Under the Florida Trust Code (F.S. Chapter 736) and Florida Probate Code (F.S. § 733.304, which restricts who may serve as an out-of-state personal representative), naming a Florida-chartered corporate fiduciary like Capital City Trust Company (#P94000090624), Centennial Bank Trust (#11241), Synovus Trust Company, N.A. (OCC #24294), Regions Bank Trust (#12368), or Hancock Whitney Bank Trust (#12051) ensures impartial fiduciary accounting, professional coastal property insurance/tax management, and continuity if a spouse experiences cognitive decline.
Connect with complementary legal, financial, and residential providers serving seniors in Apalachicola and Franklin County.
Franklin County Clerk of the Circuit Court & Comptroller — Probate, Guardianship & Small Estates Division (Hon. Michele Maxwell, Judge Jay Gordon Shuler, County Attorney Thomas M. 'Michael' Shuler, Esq. & 2nd Circuit Public Guardian)
Apalachicola, Franklin County
(850) 653-8861
Apalachicola Housing Authority (HUD PHA #FL036) & Northwest Florida Regional Housing Authority (#FL046) — Franklin County Senior Public Housing & Section 8 Registry
Apalachicola, Franklin County
(850) 653-9304
George E. Weems Memorial Hospital (AHCA #4173 — Critical Access Swing-Bed Skilled Nursing, 24/7 Emergency & Weems Medical Centers East & West) & Ascension Sacred Heart Gulf Border Hospital
Apalachicola, Franklin County
(850) 653-8853
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Florida Senior Property Tax & Homestead Exemptions →
Preserving Franklin County Homestead and Save Our Homes tax protections when titling coastal property into a revocable living trust.
Public Guardian & Incapacity Planning in Florida →
How corporate successor trustees prevent court-ordered plenary guardianship in the 2nd Judicial Circuit.
Centennial Bank — Apalachicola, Eastpoint, St. George Island & Carrabelle In-County Branches, Centennial Financial Services (Crowley Wealth / Ameriprise) & PeoplesSouth Bank (Apalachicola)
Apalachicola, Franklin County
Franklin County In-County & 2nd Circuit Licensed CPA & Fiduciary Tax Network — Roberson & Associates, P.A. (Apalachicola & Port St. Joe — Ralph C. 'Chris' Roberson, CPA #AC0007186) & Fisher & Friedman, P.A. (Eastpoint — Laura Fisher, CPA & Mark W. Friedman, CPA, PFS) — With Shepard Accounting (#AC0030904), Carr Riggs & Ingram (#AD0016615), Thomas Howell Ferguson (#AD0015619) & James Moore & Co. (#AD0016552)
Apalachicola, Franklin County
Franklin County Credit Union Senior Banking & CUSO Fiduciary Retirement Network — Emerald Coast FCU (#3388) & Tyndall FCU (#10754) (Port St. Joe 22 Mi. W) + Champions First CU (#67874 / Eddie Knowles, AIF®), Gulf Winds CU (#68694), First Commerce CU (#68301 / Six Pillars CFP®), First Florida CU (#68509), Envision / Addition Financial (#68173) & TMH FCU (#14368)
Apalachicola, Franklin County
Franklin County In-County Insurance & Coastal Corridor Senior Annuity Protection Network — Cook Insurance Agency (#H44240) & Acentria Insurance (Apalachicola) + Wakulla County Farm Bureau (Lisa M. Griner #A105108) & Gulf / Calhoun Farm Bureau (Southern Farm Bureau Life NAIC #68896)
Apalachicola, Franklin County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.