are pleased to introduce you to the services provided by the Trust
and Private Banking Group at Cache Bank & Trust.
Outlined below is a brief description of the services we
provide for our clients. Our
focus is on servicing relationships, and our commitment is to insure
you receive the highest level of both personal and professional
financial services available.
would be more than pleased to meet and review our services and any
questions you may have.
PERSONALIZED DEPOSIT AND LENDING SERVICES
will serve as your point of contact for all financial services you
secure through Cache Bank & Trust and insure that those services
are delivered timely and professionally.
It is our role to work with you and access on your behalf
those individuals within the Bank that will best provide the
services you desire. You can always contact us and not be directed to different
areas of the bank for different services.
We bring those services to you and are responsible for
insuring your total financial relationship with Cache Bank &
Trust meets your expectations.
ASSET CUSTODY / ACCOUNTING SERVICES
you prefer making your own investment decisions, but desire to
initiate a relationship where we can begin to work together and
where we can provide various record keeping and safekeeping
services, a custody relationship may be the perfect option.
We will personally work with you to deliver the banking and
financial services you desire, including reviewing your investment
objectives and plan, but we would not be involved with the actual
decisions related to what you buy and own. We monitor and collect
all dividends and interest, handle all trades, advise with respect
to any called bonds or other information regarding your investments,
and provide statements and asset valuations. We will also personally
assist you with all other banking services you either need or
INVESTMENT PLANNING / MANAGEMENT SERVICES
Investment Management services encompass all custodial services plus
we work closely with you to structure an investment portfolio that
meets your objectives. We
have engaged Lockwood Financial Services to provide continuous due
diligence on over 3000 money managers nationwide – and through
whom we access some of the best asset managers in the nation.
We work with you to select the manager(s) determined best for
your objectives and risk tolerance and those managers build for you
an individual portfolio of stocks and bonds.
We seldom utilize mutual funds unless they would be the most
efficient and cost effective way to achieve a specific objective or
deliver a full range of employee benefit services for our clients.
We can assist clients with designing new retirement plans or
converting existing plans and prepare the plan documents required.
Our plan administration services will help insure that the
retirement plan will operate effectively within the guidelines
established by ERISA and the Internal Revenue Code and that
government reporting requirements are fulfilled.
provide participant allocation and record keeping services for the
employer, producing detailed individual participant statements on an
annual, semi-annual, or quarterly basis.
We can also provide participant loan packages and accounting.
Management Services are also provided to the employer and the
participants. We engage
some of the best investment management firms in the country through
Lockwood Financial Services and utilize our Collective Investment
Funds and/or selected mutual funds as the investment vehicles to
achieve the desired asset allocation objectives.
Personal Trust can provide you with both custody and investment
management services and also serve as the cornerstone planning
document for meeting both your life and estate planning objectives.
Basically, a trust agreement specifies your desires on how
trust assets are to be managed and disposed of during your lifetime
and also states your instructions as to distributing the trust in
the event of death. The flexibility of establishing a Trust makes
this a planning tool we believe can be advantageous for virtually
every individual, regardless of wealth.
placed in trust should not become part of your probate estate; thus,
estate settlement may be simplified and expenses minimized. Income and principal payments may be made immediately to
family members or other named beneficiaries without the possible
delays of court procedures that may be involved with probate.
Should you suffer an accident or illness, or for any reason
become unable to manage your financial affairs, the trust agreement
typically authorizes us to pay hospital and doctor bills and to
continue paying any of your other expenses.
Our responsibility during incapacity is to help insure that
your financial obligations, and those of anyone else dependent upon
you, are handled properly.
We would encourage you to seriously explore
utilizing a trust as a planning tool that can help guarantee
security for you and for those important to you.
PLANNING / SETTLEMENT SERVICES
We would work closely with you and your
professional advisors to develop an Estate Plan that will carry out
your desires. This plan
may best be implemented through establishing a Personal Trust as
described above or it may be that a trust is not used and your
estate distributes pursuant to your Will.
If named as the Personal Representative in your Will, we can
administer your estate and insure timely distribution and
communication with you family and heirs.
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