Advice You Can Trust
WHO WE ARE
Commerce Trust Company provides a full range of wealth and investment planning services to individuals and institutions. We build a comprehensive team around your unique personal and financial situation, giving you what’s needed to manage your wealth and achieve your long-term goals. Since 1906, Commerce Trust Company, a division of Commerce Bank, has been a leading provider of investment management, financial planning, trust and private banking services.
ABOUT COMMERCE TRUST Received “Highly Commended: Best Private Wealth Manager - Client Service - Over $5 Billion” award by Private Asset Management (PAM) 1 in 2019 Administers $56.7 billion in total client assets 2 Serves clients in all 50 states and in 25 countries Headquartered in Missouri
1 Private Asset Management Awards - February 2019. 2 Based on assets under administration as of December 31, 2019. Commerce Trust Company is a division of Commerce Bank.
VALUES DRIVE SUCCESS Family and Lasting Relationships. Hard Work Ethic and Growth. Attention to Detail and Respect. These are a few of the values that have been essential to driving our success. Understanding and connecting with you is vital when developing a wealth management plan that works for you, your family and your goals. This is why it’s important for you to choose a wealth and investment advisor whose values align with your own.
SIX GENERATIONS OF FAMILY LEADERSHIP AT COMMERCE BANK Founded in 1865, Commerce Bank is a super- community bank with Midwestern values offering traditional banking services, wealth management and sophisticated payment solutions to individuals and companies. Commerce Bank has been led by members of the Woods/Kemper family for the majority of its more than 150 years.
SECURE YOUR FAMILY’S FINANCIAL FUTURE
With Commerce Trust Company, you can feel confident and secure about your family’s future. We take a full-service approach to wealth management with the goal of helping you simplify your complex financial life. Our proactive team takes the time to understand your personal and financial goals. We develop a customized plan specific to your wealth management needs and work with you to ensure success.
As your net worth increases and your finances become more complex, the resources you need readily available to help manage your wealth also increase. What worked early in your accumulation of wealth may not necessarily be your best choice as your wealth continues to grow.
QUESTIONS YOU MAY BE ASKING How can I simplify my financial life? When can I retire?
FAMILY BUSINESS ISSUES EXECUTIVE BENEFITS
How can I optimize my income during retirement? How can I create a financial legacy for my family and important charitable causes? What can I do to protect my family’s financial future? How much investment risk will I need to assume to meet my goals? How will I transition my family business when I want to retire?
INVESTMENT ADVICE ESTATE PLANNING
RETIREMENT INCOME PLANNING EDUCATION SAVINGS INSURANCE PROTECTION
FINANCING AND BORROWING HOME PURCHASES
LINES OF CREDIT BILL PAYMENT
COMPLEXITY OF NEEDS
ESTATE PLANNING Wealth Preservation and Transfer Family Business Consulting RETIREMENT PLANNING Retirement Benefit Analysis Retirement Income Planning
PERSONAL & FAMILY GOALS Define Lifestyle Goals Identify Areas of Financial Concern INVESTMENT STRATEGY Customized Portfolio Construction Determine Risk Tolerance and Time Horizon
CASH FLOW MANAGEMENT Analyze Cash Requirements Debt Management EDUCATION PLANNING Education Funding Assessment Tax Minimization Strategies *
TAX MANAGEMENT Tax Planning and Compliance Charitable Planning RISK MANAGEMENT Review Insurance Requirements Disability and Long-Term Care Planning
* Consult with your tax advisor.
HOW WE WORK WITH YOU
HOLISTIC WEALTH MANAGEMENT SOLUTIONS Whether you are making financial decisions for today or for the future, we provide objective advice, guidance, and financial planning that helps you create and grow your wealth as well as preserve it for future generations. We can help you see the big picture of your financial life, execute your financial plan, and track its progress along the way. We provide a level of commitment unmatched by others by building a dedicated team of specialists who can provide comprehensive and holistic wealth management solutions through investment management, wealth planning, private banking, and trust and estate services. CONCIERGE-LEVEL BANKING AND LENDING We offer a full range of customized banking services to simplify day-to-day financial management and optimize your complete financial picture. Our private bankers will take time to get to know you and your unique situation. With our holistic approach, we will leverage efficient and cost-effective banking solutions to meet your needs.
COMMERCE TRUST COMPANY Takes a comprehensive, full-service approach to help you create and grow your wealth as well as preserve it for future generations Dedicates a team of in-house specialists who provide solutions based on your financial and personal goals
Operates as a fiduciary, ensuring we are always putting your best interests first
Creates a customized approach tailored to each client’s needs
NNING S ION
The relationship manager is a member of your team who acts as the primary point of contact for you, while also coordinating activities and sharing information with the rest of the team and other internal resources. Although you should expect frequent communication from all members of your team, your relationship manager makes it easy to quickly engage with Commerce Trust. Collectively, your team is prepared to offer guidance in a wide range of solutions to help fulfill all of your financial service needs.
WEALTH MANAGEMENT CONSULTANT Evaluates your situation, gathers information, presents our capabilities and assembles the in-house team. PRIVATE CLIENT ADVISOR Helps you develop a financial roadmap based on your personal and family goals and is responsible for coordinating the efforts of other team members and external advisors. PORTFOLIO MANAGER Creates and monitors your investment portfolio based on your objectives and risk tolerance. PRIVATE BANKER Aligns your daily banking needs, such as credit cards, loans and online banking, with other aspects of your plan. FINANCIAL ADVISORY SERVICES An internal team of specialists to support your needs such as financial planning, estate planning, tax, insurance services, real estate management, family business consulting and other special services.
OUR INVESTMENT PHILOSOPHY Our approach to investing starts with a conversation about your goals and follows with objective advice and recommendations tailored to your family’s needs. Strategic asset allocation, diversification and ongoing reviews are at the center of our philosophy. We are also mindful of portfolio expenses and focus on building customized portfolios that maximize your after-tax return.
OUR CLIENTS BENEFIT FROM THE NUMBERS
Our investment strategy is built on a time- tested, research-driven foundation developed by our Investment Research Group. This team of experienced analysts and strategists utilize their extensive knowledge to create strategies and market insights that guide the decisions of your dedicated portfolio manager in developing an investment plan designed to achieve your long-term investment and financial goals. FINANCIAL INSIGHTS Finding a reliable and trusted source for timely market and financial information can be a challenge. We provide you with educational content that helps make sense of economic and market events and how they may impact your financial situation. We regularly discuss a wide range of topics including: tax reform, active versus passive management, the importance of a durable power of attorney, considerations for buying a second home, when to liquidate or borrow, how to manage an inherited IRA and many more.
A PROFESSIONAL, SKILLED STAFF OF MORE THAN 600 EMPLOYEES
ACCESS TO AN IN-HOUSE INVESTMENT TEAM OF APPROXIMATELY 76 PROFESSIONALS WHO AVERAGE 21 YEARS OF EXPERIENCE
PRIVATE CLIENT ADVISORS WHO AVERAGE 25 YEARS OF EXPERIENCE IN CLIENT SERVICE
THE INSIGHT THAT COMES WITH ADMINISTERING MORE THAN $56.7 BILLION OF TOTAL CLIENT ASSETS THROUGH ALL MARKET CYCLES 4
4 As of December 31, 2019
We deliver your comprehensive wealth management plan through a dedicated team of experienced advisors and specialists. Below is an overview of our services that will help serve your unique needs. RETIREMENT PLANNING
INVESTMENT MANAGEMENT With a focus on proprietary research, risk management, and a time-tested investment process to navigate through changing economic and market conditions, we help you meet your investment objectives. BANKING SOLUTIONS Through your dedicated private banker, you have access to tailored banking and borrowing solutions such as mortgage, home equity financing, residential construction lending, aircraft and marine financing, and privately held stock lending.
Planning for retirement can be challenging, so it is easy to put it off for another day. Though you may be saving diligently, you still may not have the confidence that you will be able to enjoy the lifestyle you envision in retirement. We help you construct a custom plan that works for you. FINANCIAL PLANNING An experienced and knowledgeable financial planner can help you define and prioritize your goals, create and implement a plan to achieve them, and update your plan quickly when changes occur.
TRUST AND ESTATE PLANNING Regardless of the size of your investment accounts, everyone has an estate. Preserving your assets can be as challenging as building them. An experienced trust and estate planning advisor can help you protect your wealth and navigate the process of setting up a trust. We work with you to recognize potential risks to you and your family, identify ways to minimize your exposure, and keep you in control of your financial future. TAX SERVICES A group of highly experienced CPAs and tax professionals offer an array of services focused on meeting your particular tax needs. INSURANCE SERVICES Every investment plan needs to include strategies for protecting your loved ones and your lifestyle. We advise you on selecting insurance options to protect your family and identify the best options to fit your needs. We also offer a range of insurance solutions through Commerce Insurance Services, Inc. * to safeguard both your financial security and the security of your loved ones in the event of disability or death.
EDUCATION PLANNING Being informed about saving options for your children’s and grandchildren’s education is important. We can help you identify the right college savings plans to suit your needs and help you understand the associated tax benefits. ELDERCARE AND SPECIAL NEEDS SERVICES We provide guidance to develop personalized solutions and help families navigate the maze of options available for eldercare and special needs care. We assist in finding the appropriate services and monitoring options for your situation. SPECIAL SERVICES We offer an assortment of unique services available such as: closely held business management; commercial, residential and farm real estate management; and oil, gas and mineral management.
* Insurance products are offered through Commerce Insurance Services, Inc., a subsidiary of Commerce Bank.
Contact a Commerce Trust advisor today. 1-855-295-7821 | commercetrustcompany.com NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE
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