Judith Kish Ruud is Vice President for Trust and Estates at U.S. Bank Private Financial Services in Boise, Idaho, where she provides sophisticated estate planning services to high net-worth clients. She frequently speaks on advanced estate planning and charitable giving techniques and has published in these areas. She holds a BS from California State University, an MS from the University of Nebraska and a JD from the University of Toledo, graduating magna cum laude and serving as editor of the Law Review.