Trust & Investment Services

Turn to Our Financial Planning Experts

We’re dedicated to providing comprehensive financial guidance to AAA Members and nonmembers alike. Working together, our financial planning professionals help you create a custom solution for all your financial, investment and insurance needs, including:

Retirement Planning
Given longer retirement years, it’s vital to create a road map to ensure you meet your goals. Begin planning for your retirement today.

Education
With tuition rates continuing to outpace inflation, it’s never too early to begin saving for a child’s education. Start planning for your child’s future today.

Insurance
Evaluate your need for insurance in meeting your financial goals.

Estate Planning and Administration
Experience the comfort of knowing the wealth you’ve worked so hard to accumulate is distributed according to your wishes. Start planning today.

Investment Management
Turn to our financial experts for portfolio management services through our partnership with Federated Hermes. Begin building your future, based on your risk tolerance and long-term financial goals, today.

Is a Trust Right for You?

A carefully designed trust is appropriate for anyone who owns a home, investments, bank accounts, retirement plans, collectibles or other valuable personal belongings. As you work with your attorney to prepare your trust document, we as trustee or co-trustee can help you:

Administer and coordinate care for you and/or your spouse should you become incapacitated
Safeguard your assets from probate
Provide for the care and future needs of young or incapacitated heirs
Provide help in meeting the future financial needs of a spouse, significant other or children
Help with the transition of assets to beneficiaries during a time of grief
Prepare and complete trust, estate, inheritance and personal tax returns

Trust Services & Administration

Providing tax-efficient cash flow
Simplifying finances with bill payment and tax management
Expediting confidential transfers of wealth
Shielding assets from unnecessary transfer taxes
Providing for charitable giving
Administering the financial activities of a deceased family member’s estate
Coordinating tax and regulatory filings

Family looking at the ocean on the beach

Investment Services: Developing a Portfolio to Help Meet Your Goals

We work with you to make informed decisions that meet your risk tolerance, time horizon and personal needs. During your private consultation, we’ll help you determine:

Your specific goals
How soon you expect to reach those goals
Your income needs
How much risk you’re willing and able to assume
Your lifestyle expectations
Your tax situation

We work with Federated Hermes to assist us in developing a customized investment approach. Federated Hermes is recognized as one of the nation’s largest and most respected investment management companies. As of the third quarter of 2024, Federated Hermes had $800.5 billion in assets under management (AUM).

Your Portfolio

To help you develop a portfolio that targets your personal needs, we follow a consistent Investment Process to help you with:

Asset Allocation

Following a risk tolerance assessment, we will help you decide how to allocate your investments among different asset classes, such as stocks, bonds and money market funds. By positioning your investments across a range of classes, you may reduce your overall risk and potentially enhance returns.

Ongoing Review

We can help you monitor your goals and investment portfolio, facilitating adjustments when your objectives, circumstances or market conditions change.

Rebalancing

Since different asset classes will grow at different rates, we use a systematic rebalancing procedure to ensure your personalized asset allocation remains on target.

Investment Selection

We provide high-quality model portfolios designed to meet your investment needs. We do not offer proprietary products. Our recommendations are based solely on what is best for you. We can also advise you on tax-efficient portfolios and those that hold international and alternative investments.

Helping Your Executor Make Sense of It All

The complexity of today’s estates makes an executor’s role more challenging than ever. Rarely is a surviving spouse, relative, business associate or other designee equipped with the skill, experience and time to properly administer your financial affairs.

Administering the Affairs of Your Estate
Our qualified professionals possess the expertise to administer the affairs of your estate and act as a liaison with surviving family members, business associates and other stakeholders.

Help locate, inventory and safeguard all estate assets, and establish values for tax and accounting purposes
Provide continuing management for all investment assets, including income-producing real estate and business interests
Pay funeral expenses, legitimate claims of creditors and administration expenses from the proceeds of the estate
Collect all debts owed to you and be prepared to defend the estate against invalid or improper claims
Assume responsibility for all estate, inheritance, income or gift tax returns required by state or federal authorities
Keep detailed records of all income, expenses and estate transactions, and render accounting to the court or beneficiaries
Distribute the estate in accordance with the provisions of your will and/or trust agreement

For more information or to discuss our products and services, call 888.447.4730, option 1.

Review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.

NOT A DEPOSIT — NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY — NOT GUARANTEED BY THE BANK — MAY LOSE VALUE

Banking Terms of Use | Banking Security & Privacy Statement | Banking Privacy Policy

Trust & Investment Services are provided by Auto Club Trust, FSB.