What 'funding' actually means
Funding is the act of changing legal ownership or beneficiary designations so the trust — not you personally — controls the asset. A signed trust document with nothing titled to it is just paper.
Real estate is funded by a recorded deed. Bank, brokerage, and CDs are retitled in the trust's name. Retirement accounts are usually NOT retitled but use beneficiary designations. Life insurance flows by beneficiary form. LLC and closely held shares require an assignment of ownership.
Key takeaway
If the asset still names you personally — and only you — your trust cannot control it at incapacity or death.