Banking Solutions

For investment and wealth management clients exploring real estate financing options, selecting the appropriate mortgage solution is paramount. Whether you’re in the market to purchase a new home, looking to refinance an existing mortgage, or considering tapping into your home’s equity, the right mortgage product can significantly impact your financial strategy.

Home lending solutions tailored to the sophisticated needs of investors offer a comprehensive service model, combining convenience with the expertise of leading mortgage banks. These solutions are designed to align with your broader financial goals, offering competitive rates, flexible terms, and a variety of products to meet diverse needs—from fixed-rate mortgages for predictable repayment schedules to adjustable-rate mortgages that provide initial lower payments.

Working with a mortgage provider that understands the intricacies of wealth management ensures you receive advice and options that not only meet your immediate financing needs but also integrate seamlessly with your overall investment portfolio. This holistic approach ensures that your real estate investments complement your long-term financial objectives, providing both stability and growth potential within your wealth management strategy.

Integrating your investment account with your bank account is a prudent strategy for investment and wealth management clients, facilitating seamless financial management. This linkage enables the swift and secure online transfer of funds between accounts via a protected platform, enhancing the efficiency of managing your investments and liquidity.

Our checking account options are designed with the investor in mind, offering the convenience of no maintenance fees and eliminating the requirement for a minimum balance, thus providing flexibility and simplicity. Additionally, our savings accounts come with the assurance of FDIC insurance up to $250,000, safeguarding your deposits against bank failure and offering peace of mind regarding the security of your assets.

Consultation with your advisor is crucial to explore the options available among our custodians for linked accounts. This ensures that you select a banking solution that aligns with your financial goals, investment strategy, and the need for easy access to funds, all while maximizing the benefits of integrated financial management. This approach underscores a holistic strategy towards wealth management, marrying investment growth with prudent cash management.

We provide two distinct categories for Certificates of Deposit: bank CDs and brokerage CDs, each catering to varying investor preferences and risk appetites.

Bank CDs represent a traditional and secure investment avenue. As federally insured deposits, they guarantee a predetermined interest rate over a fixed term, with the principal amount assured upon maturity. This federal insurance, provided by agencies like the FDIC, shields investors from the risk of bank failure, making bank CDs a low-risk option for preserving capital while earning steady, albeit potentially modest, returns.

Conversely, brokerage CDs, although similar in structure—offering a set interest rate for a defined period—diverge significantly in terms of risk and potential yield. Not covered by FDIC insurance, these CDs expose investors to the credit risk of the issuing bank. In exchange for bearing this additional risk, investors are typically rewarded with higher yields compared to traditional bank CDs. This makes brokerage CDs an appealing option for those willing to navigate the complexities of credit assessment to enhance their investment income.

Both types of CDs serve as strategic components within a broader wealth management portfolio, offering a spectrum of risk and return profiles to accommodate diverse financial goals and risk tolerances among sophisticated investors.