Our Wealth Management Group understands that people are seeking easier, smarter ways to create, protect and enjoy their wealth.   We understand that as your wealth grows, life doesn’t get simpler…it gets more complex.  

As one of the region's largest trust companies, we serve as a fiduciary advisor to our clients. This means that we hold ourselves to the highest standards and pledge to put our clients' interests first, which allows us to align to your goals. This is an important distinction in today's financial marketplace. We believe everyone is best served by a transparent model with full disclosure.

We believe in the benefits of planning in many areas of life, including your finances.  Our overall planning based approach will help you:

• See your entire financial picture at once
• Evaluate your situation easily and develop effective strategies for the future
• Stay informed and avoid big surprises
• Simplify your life

How do we help our clients achieve these results?   In today’s fast-changing financial landscape you need to ensure your wealth management is as effective as possible.  Our planning process helps you track all of your finances from a single access point in a system that is easy to use, always available to you, updated daily and coordinated with your financial, investment & estate planning objectives.  Our measurement of success is different.  We measure success by helping you achieve your specific goals.

Please take a few minutes to view our web presentation on Financial Planning, the presentation is approximately 2-3 minutes:

Our Approach To Financial Planning

Depending on your individual situation, click on a presentation link below if it applies to you. Each presentation is approximately 2-3 minutes.

For Business Owners

For Physicians

For Executives 

For Professional Women

For Attorneys

Frequently Asked Questions

Personal Financial Planning

You might ask yourself….does our plan allow us to:

• Retain sufficient resources to protect our financial security and maintain our desired lifestyle?
• Transfer what we have, to whom we want, when we want, the way we want?
• Direct our social capital (that part of our wealth that must be directed for use in society…either in the form of taxes or gifts) in a manner consistent with our personal values?

Financial Planning for Business Owners

We understand the unique needs of business owners and provide solutions designed to coordinate your business with your personal financial plan.  You might ask:

What would happen to my business if I died or became disabled?
How can I selectively attract, reward and retain top notch employees?
Are me and my employees on track to be financially independent at retirement?

Typical Planning Strategies for Business Owners

• Buy – Sell Agreements
• Business Continuation Strategies
• Business Overhead Insurance
• Key Man Insurance
• Retirement Plans – 401k, 403b
• Group Life and Disability Insurance
• Non Qualified Plans

Insurance Planning

As part of our financial planning process, we listen well to define your goals and present solutions to give you control and flexibility in your financial life.  A large part of the planning process is working to identify things that can go wrong or jeopardize your success in meeting your goals.  

Our Wealth Management Group has partnered with various experts in the areas of life, disability and long term care insurance.   Our platform provides us with access to many of the industry leaders and top quality carriers in each area.  We are independent and objective in our insurance analysis for clients.  We are also a strong advocate of the team approach and can work closely with existing advisors as well.  This allows us to provide solutions unique to your financial & estate planning that meet your specific insurance needs.  

As part of our financial planning process, we can help you answer key questions on your insurance planning.  Our planning analysis guides us, in light of your assets, liabilities and goals, so we can answers questions such as…

What is my need for insurance?

   You may have a need for insurance if you

• have a spouse
• have children who depend on me
• have an aging parent or disabled relative who depends on me
• have another loved one I wish to provide for
• want to build a cash reserve that can help pay for big-ticket items such as a child’s college education
• have business or estate planning needs that life insurance can satisfy
• If your retirement plan and other savings aren’t enough to protect your family’s standard of living in the future

Other questions you may ask are:

• What is the proper amount of insurance?  -
• What type of insurance (term, universal life, whole life) is best for me?
• How will I most efficiently pay for the insurance?

We can help answer all of these questions.  Please call us at 502-562-0875