We act as your professional money manager, following the specific rules you set up in your will or trust agreement. Click on any core service above to explore our detailed information sub-pages:

• Personal & Family Trusts: Living Trusts (Revocable), Permanent Trusts (Irrevocable), Special Needs Trusts (SNTs), Will Trusts (Testamentary), and Family & Giving Trusts (Marital & Charitable).
• Handling Life’s Changes: Full Estate Settlement services and court-appointed Guardianships.
• Specialized Asset Management: Comprehensive Farm Management Services and 1031 Tax-Deferred Real Estate Swaps.
• Saving & Investing: Contractual Investment Management Accounts (IMAs) and full-service administration for Individual Retirement Accounts (IRAs).
• Institutional Services: Asset management for Endowments & Foundations and specialized Corporate Bond Administration acting as a Paying Agent.

Not with a Revocable Living Trust. You typically maintain full control as the primary trustee. You retain the absolute right to amend or cancel the trust at any time. Our role as a professional corporate trustee generally begins only if you become incapacitated or upon your passing, ensuring your legacy is continuously protected.

Yes. Trust assets are securely stored and held entirely separate from the bank’s own balance sheet. They are not bank assets and legally cannot be reached or touched by the bank’s creditors. Furthermore, as a fiduciary, we provide an extra layer of protection through rigorous state and federal oversight.

Permanence and Expertise: Individual family members offer personal history, but a Corporate Trustee offers long-term permanence and specialized professional expertise.

Fiduciary Objectivity: We do not move away, fall ill, or let emotional family dynamics cloud our fiduciary judgment.

Regulatory Oversight: Our team provides specialized knowledge in tax laws and comprehensive fiduciary accounting that individual family members often lack.

The HEMS Standard: We offer highly responsive discretionary services guided strictly by the legal HEMS Standard (Health, Education, Maintenance, and Support).

Rapid Response: If a major life event or critical medical need arises, your Trust Officer can often facilitate necessary payments within a prompt 24 to 48 hours.

Strict Legal Mandates: Unlike a retail brokerage operating on simple suitability, we operate under a strict fiduciary standard where we are legally required to always put your interests first—working for you and your family for years to come.

The Core Duties: When managing client structures, our unified department strictly adheres to the highest standards of law: the Duty of Loyalty (acting solely in the client’s interest), the Duty of Care (prudent management), and the Duty of Impartiality (balancing competing beneficiary interests equitably).

Structured Risk Management: We act as your professional agent to customize and oversee your portfolio through a formal Investment Flow or Investment Management Account (IMA) relationship governed by a customized Investment Policy Statement (IPS). Our committee balances growth with capital preservation through continuous due diligence to maximize tax efficiency and manage risk volatility.

A party authorized to act on behalf of another. In our Investment Management Accounts (IMAs), the bank acts as your agent.

The person or entity (like a charity) designated to receive the benefits or assets from a trust.

A legal document that acts as an amendment to an existing Will.

A professional institution (like our bank) appointed to manage a trust, providing permanence and specialized expertise.

A person or institution legally and ethically obligated to act solely in the best interest of another party.

The process of transferring the legal title of assets (real estate, bank accounts, stocks) from your individual name into the name of the trust.

The individual who creates the trust and provides the assets to fund it.

An individual or institution appointed by a court to manage the personal and/or financial affairs of a minor or an incapacitated adult.

A common legal standard (Health, Education, Maintenance, and Support) that guides a Trustee on when they can distribute funds to a beneficiary.

Dying without a valid Will. In these cases, the state determines how your assets are distributed.

In a 1031 Exchange, this refers to properties of the same nature or character (e.g., swapping an apartment complex for an industrial warehouse).

The person or institution named in a Will to manage the estate settlement process.

Principal is the original asset/capital in the trust; Income is the money generated by those assets (interest, dividends, rent).

The court-supervised legal process of validating a Will and distributing an estate’s assets.

A required third party in a 1031 Exchange who holds the sale proceeds to ensure the transaction remains tax-deferred.

The person or institution who takes over the management of a trust if the original trustee dies or becomes unable to serve.