Private banking

Personal service for every part of your financial life

A dedicated relationship manager and a team of specialists to help you grow, protect and pass on your wealth, and plan for the retirement you want.

Book a consultation Plan your retirement

Dedicated relationship manager

To qualify

$250K+

Planning reviews

Annual

A dedicated relationship manager

One named contact who knows you, your family and your goals.

Wealth & investments

Portfolios built around your goals, timeline and appetite for risk.

Retirement planning

A clear plan for how much you need and where your income will come from.

Private lending

Mortgages and credit lines tailored to complex finances.

Who it's for

Is private banking right for you?

You can join private banking if you have either:

$250,000 or more in savings and investments with us

A household income of $300,000 or more

Close to these levels? Talk to us anyway. We look at your whole financial picture.

Membership benefits

What you get as a private client

Priority service

A direct line to your relationship manager and a dedicated private banking team, Monday to Saturday.

Preferential rates

Higher savings rates and lower borrowing rates than our standard accounts.

Fee-free everyday banking

No monthly fees, free wires, worldwide ATM fee refunds and no foreign transaction fees.

Complimentary planning

A full financial plan, reviewed every year, at no extra cost.

A premium debit and credit card

Metal cards with travel benefits and 24/7 concierge support.

Our services

Expert help across your whole financial life

Investment management

Discretionary or advisory portfolios, reviewed regularly and rebalanced as markets move.

Retirement income planning

Turn your savings into a reliable income that lasts as long as you do.

Estate & legacy planning

Plan how your wealth passes to the people and causes you care about.

Tax-aware strategies

We work alongside your tax adviser to keep more of what you earn.

Private mortgages & credit

Jumbo mortgages, securities-backed credit lines and bridge financing.

Business owner services

Succession planning, business banking and support for selling your company.

Retirement planning

Plan the retirement you want

Whether you're decades away or already retired, your retirement planner builds a clear plan for how much you need, where your income will come from and how to make it last.

Retirement income planning

How much you need, where it will come from and how long it will last, with inflation built in.

Social Security timing

When to claim to make the most of your lifetime benefits, including spousal options.

401(k) and IRA rollovers

Bring old workplace plans together for simpler management and a clearer picture.

Required minimum distributions

Plan withdrawals from age 73 to manage your tax bill.

Roth conversion analysis

Find the right years and amounts to convert, building tax-free income for later.

Your age45

Retirement age65

Saved so far$250,000

Monthly contribution$1,500

Assumed annual return

Projected savings at 65

$1,272,031

Years to retirement

Est. monthly income

$4,240

Illustration only, in today's money before tax and fees. Returns are not guaranteed and the value of investments can go down as well as up. Income assumes a 4% first-year withdrawal.

Investment approach

A portfolio that matches your goals

We start by understanding your goals, timeline and how you feel about risk. Then we recommend a portfolio. These are examples of how a portfolio might be split.

Conservative

Focuses on protecting what you have, with modest growth.

Bonds60%

Stocks30%

Cash10%

Balanced

A mix of growth and stability for medium to long-term goals.

Stocks55%

Bonds40%

Cash5%

Growth

Aims for higher long-term growth and accepts bigger ups and downs.

Stocks80%

Bonds17%

Cash3%

Your team

Specialists working together for you

Relationship manager

Your main point of contact, coordinating everything across the team.

Investment specialist

Builds and manages your portfolio and explains every decision.

Retirement planner

Models your retirement income and keeps your plan on track.

Lending specialist

Arranges mortgages and credit structured around your assets.

Clear pricing

Simple, transparent fees

Private banking itself is free. If you choose investment management, you pay one annual advisory fee based on your portfolio value.

Portfolio value

Annual fee

First $1 million

1.00%

$1 million – $3 million

0.80%

$3 million – $10 million

0.60%

Over $10 million

Ask us

Example fee schedule. Fees are tiered, so each rate applies only to the part of your portfolio in that band. Fund costs may also apply.

How it works

How we work with you

Step 1
Introductory meeting
Meet your relationship manager to talk about your goals, family and priorities.
Step 2
Discovery and analysis
We review your finances, from accounts and investments to property and pensions.
Step 3
Your personal plan
We present a written plan with clear recommendations and costs.
Step 4
Ongoing reviews
We meet at least once a year, and whenever your life changes.

Important information about investing

Investment products are not bank deposits and are not insured. The value of investments can go down as well as up, and you may get back less than you invest. Past performance is not a reliable guide to future returns. We never ask you to pay a fee or move money in order to release investment returns.

FAQs

Your questions answered

Private banking is for clients with $250,000 or more in savings and investments with us, or a household income of $300,000 or more. If you're close to these levels, talk to us. We look at your whole situation.

Private banking accounts and everyday banking services are free. If you choose investment management, you pay an annual advisory fee based on the value of your portfolio. You'll see every fee in writing before you commit.

For 2025 you can contribute up to $7,000 a year to IRAs, or $8,000 if you're 50 or older. Income limits apply to Roth IRA contributions.

It depends on your health, other income and whether you're married. Delaying from 62 to 70 can increase your monthly benefit significantly. Your retirement planner can run the numbers for you.

Once you reach 73, you must withdraw a minimum amount each year from traditional IRAs and most workplace plans. Missing an RMD can lead to a tax penalty.

Yes. Many clients ask us to work alongside their accountant or attorney, and we're happy to coordinate with them.

No. The value of investments can go down as well as up, and you may get back less than you invest. Past performance is not a reliable guide to future returns.

Let's talk about your goals

Book a no-obligation consultation with a relationship manager.

Book a consultation Call (555) 302-1900

Private banking

Personal service for every part of your financial life

A dedicated relationship manager and a team of specialists to help you grow, protect and pass on your wealth, and plan for the retirement you want.

Book a consultation Plan your retirement

Dedicated relationship manager

To qualify

$250K+

Planning reviews

Annual

A dedicated relationship manager

One named contact who knows you, your family and your goals.

Wealth & investments

Portfolios built around your goals, timeline and appetite for risk.

Retirement planning

A clear plan for how much you need and where your income will come from.

Private lending

Mortgages and credit lines tailored to complex finances.

Who it's for

Is private banking right for you?

You can join private banking if you have either:

$250,000 or more in savings and investments with us

A household income of $300,000 or more

Close to these levels? Talk to us anyway. We look at your whole financial picture.

Membership benefits

What you get as a private client

Priority service

A direct line to your relationship manager and a dedicated private banking team, Monday to Saturday.

Preferential rates

Higher savings rates and lower borrowing rates than our standard accounts.

Fee-free everyday banking

No monthly fees, free wires, worldwide ATM fee refunds and no foreign transaction fees.

Complimentary planning

A full financial plan, reviewed every year, at no extra cost.

A premium debit and credit card

Metal cards with travel benefits and 24/7 concierge support.

Our services

Expert help across your whole financial life

Investment management

Discretionary or advisory portfolios, reviewed regularly and rebalanced as markets move.

Retirement income planning

Turn your savings into a reliable income that lasts as long as you do.

Estate & legacy planning

Plan how your wealth passes to the people and causes you care about.

Tax-aware strategies

We work alongside your tax adviser to keep more of what you earn.

Private mortgages & credit

Jumbo mortgages, securities-backed credit lines and bridge financing.

Business owner services

Succession planning, business banking and support for selling your company.

Retirement planning

Plan the retirement you want

Whether you're decades away or already retired, your retirement planner builds a clear plan for how much you need, where your income will come from and how to make it last.

Retirement income planning

How much you need, where it will come from and how long it will last, with inflation built in.

Social Security timing

When to claim to make the most of your lifetime benefits, including spousal options.

401(k) and IRA rollovers

Bring old workplace plans together for simpler management and a clearer picture.

Required minimum distributions

Plan withdrawals from age 73 to manage your tax bill.

Roth conversion analysis

Find the right years and amounts to convert, building tax-free income for later.

Your age45

Retirement age65

Saved so far$250,000

Monthly contribution$1,500

Assumed annual return

Projected savings at 65

$1,272,031

Years to retirement

Est. monthly income

$4,240

Illustration only, in today's money before tax and fees. Returns are not guaranteed and the value of investments can go down as well as up. Income assumes a 4% first-year withdrawal.

Investment approach

A portfolio that matches your goals

We start by understanding your goals, timeline and how you feel about risk. Then we recommend a portfolio. These are examples of how a portfolio might be split.

Conservative

Focuses on protecting what you have, with modest growth.

Bonds60%

Stocks30%

Cash10%

Balanced

A mix of growth and stability for medium to long-term goals.

Stocks55%

Bonds40%

Cash5%

Growth

Aims for higher long-term growth and accepts bigger ups and downs.

Stocks80%

Bonds17%

Cash3%

Your team

Specialists working together for you

Relationship manager

Your main point of contact, coordinating everything across the team.

Investment specialist

Builds and manages your portfolio and explains every decision.

Retirement planner

Models your retirement income and keeps your plan on track.

Lending specialist

Arranges mortgages and credit structured around your assets.

Clear pricing

Simple, transparent fees

Private banking itself is free. If you choose investment management, you pay one annual advisory fee based on your portfolio value.

Portfolio value

Annual fee

First $1 million

1.00%

$1 million – $3 million

0.80%

$3 million – $10 million

0.60%

Over $10 million

Ask us

Example fee schedule. Fees are tiered, so each rate applies only to the part of your portfolio in that band. Fund costs may also apply.

How it works

How we work with you

Step 1
Introductory meeting
Meet your relationship manager to talk about your goals, family and priorities.
Step 2
Discovery and analysis
We review your finances, from accounts and investments to property and pensions.
Step 3
Your personal plan
We present a written plan with clear recommendations and costs.
Step 4
Ongoing reviews
We meet at least once a year, and whenever your life changes.

Important information about investing

FAQs

Your questions answered

For 2025 you can contribute up to $7,000 a year to IRAs, or $8,000 if you're 50 or older. Income limits apply to Roth IRA contributions.

It depends on your health, other income and whether you're married. Delaying from 62 to 70 can increase your monthly benefit significantly. Your retirement planner can run the numbers for you.

Once you reach 73, you must withdraw a minimum amount each year from traditional IRAs and most workplace plans. Missing an RMD can lead to a tax penalty.

Yes. Many clients ask us to work alongside their accountant or attorney, and we're happy to coordinate with them.

No. The value of investments can go down as well as up, and you may get back less than you invest. Past performance is not a reliable guide to future returns.

Let's talk about your goals

Book a no-obligation consultation with a relationship manager.

Book a consultation Call (555) 302-1900