U.S. Trust Interactive Wheel

Connect your priorities to solutions for you, your family and your business

Investment Management

Successfully managing your investments starts with a deep understanding of your personal goals and objectives. With this knowledge as a foundation, your portfolio manager leverages important themes and forward thinking insights to develop your portfolio and actively manage it so you can capitalize on opportunities. Your portfolio manager can also accommodate your special interests by linking your assets to socially responsible investments. You can take advantage of a comprehensive range of services that include:

  • Specialty asset management
  • Capital markets
  • Asset management
  • Portfolio consulting

Bank of America, N.A. and U.S. Trust Company of Delaware (collectively the “Bank”) do not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Wealth Structuring

To help you pursue the things you value most, your wealth plan provides you and your family with thoughtful, innovative and personalized solutions. Take advantage of the insights and ability of your team of wealth specialists. They offer in-depth knowledge and experience across these important areas of wealth structuring:

  • Wealth Planning
  • Trusts and Estates
  • Philanthropy
  • Custody Services

Bank of America, N.A. and U.S. Trust Company of Delaware (collectively the “Bank”) do not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

Credit and Banking

Whether you're planning to buy an investment property, aircraft or yacht, acquire a special piece for your collection, or need help managing your everyday cash needs, you can make the most of what's important to you. We offer a wide range of sophisticated and personalized credit and banking solutions and services, including:

  • Real estate finance
  • Custom credit
  • Liquidity services
  • Financial management tools

Bank of America, N.A. does not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

Wealth Planning

You have unique values and goals centered around your family, your wealth and the future. That's why we offer wealth strategies that address and integrate the many aspects of your personal and financial life. We're here to help you with your wealth planning needs, including:

  • Planning for life events
  • Managing cash flow to balance your lifestyle and legacy
  • Passing your wealth to future generations
  • Making your charitable giving more fulfilling and effective
  • Personalizing and diversifying your portfolio and investment strategies
  • Working with you on a proactive business succession plan
  • Educating your family on managing wealth
  • Minimizing gift, estate and next-generation transfer taxes

See how our solutions and insights can work for you

Trusts and Estates

Successfully shaping your legacy and determining how your wealth is passed to the next generation — these are important decisions that you need to make carefully. We've helped many of America's wealthiest families build estate plans and implement wealth transfer strategies for more than two centuries. With a sound estate plan, we can help you pursue many goals, including:

  • Controlling the transfer of your wealth to those you care about
  • Fulfilling important philanthropic commitments
  • Reducing estate taxes
  • Maintaining privacy surrounding your financial affairs
  • Protecting your assets

You can also count on us to help you manage your trust, whether we're serving as agent for trustee or corporate trustee.

Philanthropy

Make your charitable giving more fulfilling and as powerful as possible. We'll provide the personal support and tools you need to assess your charitable goals, values and interests. Your philanthropic specialist can help you create a road map that guides you in developing a formal statement of purpose, including:

  • What you want your philanthropy to stand for
  • The causes, geography and populations you want to affect
  • How your giving can help you pursue your goals

He or she can also help you clarify a range of important considerations, including:

  • Implementing your plan
  • Identifying the grant recipients
  • Monitoring the impact of your efforts

See how our solutions and insights can work for you

Custody Services

Like many sophisticated investors, you may have extensive and complex holdings. Let us help you leverage the knowledge of our dedicated custody specialists. Whether you manage your own portfolio or work with multiple brokers and investment managers, you can benefit from a personalized custody program. It can simplify portfolio and trade monitoring and help you meet your specific safekeeping, service and information needs.

Our range of custody services includes:

  • Collecting and crediting dividends and interest on a timely basis
  • Offering easy and secure online access to portfolio information
  • Providing prompt and accurate reporting of cash management and corporate actions
  • Settling your trades through U.S. brokers

Real Estate Finance

As you pursue your residential real estate goals, a personalized mortgage can also be a cornerstone for managing your wealth. Receive valuable guidance from a team of specialists who understand substantial real estate transactions and the importance of personalized loan structures. They can draw on a wide-range of solutions to address your unique and complex needs in a timely manner, including:

  • Custom and standard residential real estate loans
  • Lot loans
  • Construction-to-permanent loans
  • Home equity loans and lines of credit
  • Recreational real estate loans
  • Commercial real estate loans

Bank of America, N.A. does not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

Custom Credit

Your financial strength allows you to use credit strategically to create and pursue unique financial opportunities. For both short- and long-term financing needs we offer a range of sophisticated and personalized solutions, including:

  • Securities-based lending solutions
  • Entrepreneurial and investment financing
  • Wealth transfer financing
  • Aviation leasing and lending
  • Fine art lending
  • Marine lending

Personalized credit solutions can also play a key role in implementing your trust and wealth transfer strategies.

Bank of America, N.A. does not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

See how our solutions and insights can work for you

Liquidity Services

You have access to a complete range of banking solutions designed to manage everyday liquidity, maximize convenience and generate competitive returns on your cash. These include:

  • Deposit accounts
  • Sweep accounts
  • Treasury management
  • Credit cards

Take advantage of checking and savings solutions that make it easy to manage your cash needs. Your client team can develop a personalized financial strategy to help meet your short-term cash needs as well as your long-term goals.

Bank of America, N.A. does not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

Financial Management Tools

You can easily monitor and manage your U.S. Trust® accounts anytime, anywhere with our sophisticated and secure online and mobile4 banking capabilities. These include:

  • Investment management, custody and trust account information
  • Partnership accounting
  • Online bill payment and personal and business banking
  • Online invoicing, payroll and tax services

Learn More

You can also view your accounts at other financial institutions5 and transfer funds from them into your U.S. Trust® accounts. If you own a small business, simplify banking through our comprehensive account management service. In addition to these everyday banking services, U.S. Trust offers special resources to families with particularly complex wealth needs and ownership structures.

4 You must first enroll in Online Banking and set up Transfers and Bill Pay. Wireless carrier fees may apply.
5 To view accounts from another financial institution, you must have online access set up with that institution.

Bank of America, N.A. does not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

Specialty Asset Management

If you're interested in investing in nonfinancial assets1, consider the insights and experience of our Specialty Asset Management team. They focus on a variety of different areas, including:

  • Private businesses
  • Commercial and residential real estate
  • Timberland, farms and ranches
  • Oil, gas and mineral interests

Nonfinancial assets may be a great way to diversify your portfolio. Your team of specialists can work with your portfolio manager and wealth strategist, if appropriate, to integrate these investments into your overall plan and portfolio. You can also benefit from their complete turnkey services, including identifying and purchasing real estate and providing ongoing management.

1 Nonfinancial assets, such as closely-held businesses, real estate, oil, gas and mineral properties, and timber, farm and ranch land, are complex in nature and involve risks including total loss of value. Special risk considerations include natural events (for example, earthquakes or fires), complex tax considerations, and lack of liquidity. Nonfinancial assets are not suitable for all investors. Always consult with your independent attorney, tax advisor, investment manager, and insurance agent for final recommendations and before changing or implementing any financial, tax, or estate planning strategy.

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Capital Markets

Make the most of the resources* of Bank of America. Merrill Lynch, part of the Bank of America family, is one of the world's leading capital markets* participants, and offers you access to sophisticated and personalized approaches to risks and opportunities in the foreign exchange, interest rate, commodity and equity markets. Complementing your overall wealth management strategies, derivative-based transactions identify and avoid the risks you seek to hedge. The capital markets team can help you with:

  • Structured investments
  • Brokerage*
  • Hedging and monetization*
  • Derivatives*

* Brokerage services are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation.

Investments in structured products involve risk, including, in the case of notes which are not 100% principal-protected, the risk of loss of principal. The return on a principal-protected note is linked to the performance of the underlying basket of securities and will depend on the performance of that asset. An investor in a principal-protected note may receive, under certain conditions, no more than the principal amount of the note, and will have taken the risk of the opportunity cost of not having invested in an asset which would have generated a positive return during that time.

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Asset Management

We believe that successful investment management starts with a deep understanding of each client's personal goals and objectives. With this understanding as a foundation, our portfolio managers combine our timely, forward-looking insights and portfolio construction expertise to develop and actively manage customized portfolios for our clients. We offer you access to:

  • Equities
  • Hedge and private equity funds2
  • Real assets

  • Cash management strategies

  • Fixed income

  • Real estate

  • Quantitative management

  • Tax management strategies

Your portfolio can benefit from the best thinking and expertise of our most senior investment professionals, regardless of its complexity or size. Your asset allocation3 is based on their long-term expectations for each asset class. Over the shorter term, however, your portfolio manager will adjust your portfolio tactically in response to emerging opportunities and risks, based on our insights about trends and themes relevant to you.

2 Alternative investments such as derivatives, hedge funds, private equity funds, and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in alternative investments, you should consider your overall financial situation, how much money you have to invest, your need for liquidity, and your tolerance for risk. Alternative investments are speculative and involve a high degree of risk.

3 Asset allocation and diversification do not ensure a profit or protect against loss in declining markets.

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Portfolio Consulting

Benefit from the fresh perspectives and innovative thinking of your portfolio manager. They'll collaborate closely with you and apply top-of-the-house investment insights to create your Investment Policy Statement, which serves as a blueprint for your portfolio, documenting your:

  • Objectives
  • Risk tolerance
  • Cash flow needs
  • Tax situation
  • Wealth aspirations

Your portfolio manager's ongoing role is to incorporate our best strategic and tactical thinking, most relevant research analysis, current market insights and appropriate investment solutions into your portfolio. Think of him or her as your personal "chief investment officer” for your U.S. Trust relationship, accountable for your overall investment strategy and monitoring your portfolio to make sure it adheres to the objectives outlined in your Investment Policy Statement. If there are significant changes in your life or goals, he or she can adjust your portfolio accordingly.

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
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Serving your diverse needs

You can expect ongoing advice, insights and guidance from your dedicated private client advisor and a team of specialists that may include:

  • Portfolio manager
  • Trust officer
  • Wealth strategist, if appropriate
  • Private client manager
  • Private banking specialist

Your team works closely with you and your advisor to create an integrated plan, connecting your wealth to all the things that you and your family value most.

Actively managing your wealth

Count on your advisor and team of specialists to provide the high level of active investment management your wealth deserves. They can help you build on your success for generations to come by:

  • Establishing and adhering to your personal Investment Policy Statement (IPS), which guides investment decisions to align with your objectives
  • Applying top-of-house investment insight to your objectives and specific portfolio strategy, coordinated and carried out by your portfolio manager
  • Identifying important themes to help you capitalize on opportunities
  • Making well-informed decisions based on macro thinking and bottom-up analysis
  • Emphasizing tax and risk management to help enhance your portfolio's performance
  • Rigorously vetting each manager we recommend

Sharing our latest thinking

Continually bringing you the best thinking and intellectual capital is central to our thought leadership program. Our goal is to create a meaningful dialogue on topics ranging from broad trends within the private wealth management industry to more focused specific investment themes. You can increase your understanding and learn more by reading printed or digital materials, watching videos, or listening to timely conference calls. Read our latest edition of Capital Acumen.

Adhering to the fiduciary standard

At U.S. Trust, our trust and investment management relationship with you is supported by the strongest standard of integrity, trust and accountability: the fiduciary standard.1 Whether we are managing your portfolio, serving as trustee, or administering an estate, our focus is what best meets your objectives.

Your investments and the fiduciary standard.

The prudent investor standard2 for fiduciary investments forms the foundation for our consistent, disciplined investment process.

  • We apply our insight and experience to help you make the most of the things that are of the greatest importance to you.
  • Our focus is not simply investment returns, but management of your assets with your goals at the center of our thinking.
  • In fulfilling our commitment, we may also focus on the factors that influence your goals, now and in the future, such as family considerations, lifestyle needs, charitable aspirations, legacy desires — the many dimensions of life that intersect with your finances.
  • When we provide investment services to you, your investment manager works with you to design a formal investment policy statement. As a result, your portfolio is driven by your personal and financial objectives and the asset allocation that is specifically designed to meet them.
  • In adhering to the fiduciary standard, our commitment, first and foremost, is to serve your best interests and goals and place them ahead of our own.
  • In serving you, we may seek to access the vast capabilities of Bank of America, including calling upon our colleagues and affiliates to assist us. When we do so, we provide disclosure of related conflicts of interest so that you understand and agree that our actions serve your interests.

THE TRUST FIDUCIARY STANDARD

The standard of care to which U.S. Trust is held when acting as a trustee or as an executor of an estatethe trust fiduciary standardis the highest of all.1 Among regulated financial institutions, only banks and trust companies are governed by this highest of fiduciary standards.

To help ensure that we meet our obligations, external oversight and internal processes are in place to assess compliance with our responsibilities to you.


  • Watch video on our Fiduciary Standard.
    As a national bank, government regulators examine our fiduciary activities regularly to assess compliance with our responsibilities.
  • Through a prescribed process, we review all fiduciary accounts to see that they are being administered in accordance with their investment policy statements and governing documents, laws and regulations.
  • When we serve as trustee, we monitor adherence to the terms of the trust document as well as the unique investment and wealth transfer objectives of the trust to help ensure that we are meeting our fiduciary obligations to you and the trust beneficiaries, both present and future.

1Bank of America, N.A. and U.S. Trust Company of Delaware (collectively the “Bank”) do not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

2This may be modified based upon your unique objectives and directives.

Important Information

This interactive tool is designed to introduce you to the products and services available through U.S. Trust, Bank of America Private Wealth Management. The information and views contained is for informational purposes only and does not provide investment advice or take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument or strategy. Neither U.S. Trust, Bank of America Corporation nor any of its affiliates is responsible for this content, and before acting on any information in this material, you should consider whether it is suitable for your particular circumstances, liquidity needs, time horizon and risk tolerance and, if necessary, seek professional advice. Any opinions expressed herein are given in good faith, are subject to change without notice and are only correct as of the stated date of their issue.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Neither U.S. Trust nor any of its affiliates or advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Always consult with your independent attorney, tax advisor, investment manager and insurance agent for final recommendations and before changing or implementing any financial, tax, or estate planning strategy.

Credit facilities are provided by Bank of America, N.A., Member FDIC, its subsidiaries or other bank subsidiaries of Bank of America Corporation, each an Equal Opportunity Lender. All loans and collateral are subject to credit approval and may require the filing of financing statements or other lien notices in public records. Asset-based and securities-based financing involves special risks and is not for everyone. When considering an asset-based and/or securities-based loan, consideration should be given to individual requirements, asset portfolio composition, and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. For any loan with securities collateral, the securities or other assets in any collateral account may be sold to meet a collateral call as provided in the definitive loan documents and the client is not entitled to choose which securities or other assets will be sold. A complete description of the loan terms will be found in the individual credit facility documentation and agreements. Clients should consult with their own independent tax and legal advisors.

Credit and collateral subject to approval. Terms and conditions apply. Programs, rates, terms and conditions subject to change without notice. Equal Housing Lender

Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Certain U.S. Trust associates are registered representatives with Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and may assist you with investment products and services provided through MLPF&S and other nonbank investment affiliates. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp."). U.S. Trust operates through Bank of America, N.A., and other subsidiaries of BofA Corp.

Bank of America, N.A. and U.S. Trust Company of Delaware (collectively the “Bank”) do not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

© Bank of America Corporation. All rights reserved. | ARXDQ3T8 | WEB-10-16-0043 | 10/2016