Private Wealth

Enjoy a one-on-one relationship with a private banker, dedicated customer service and a broad range of services, including:

Deposit options: Free online banking and mobile deposit, special CD rates, business checking, international services and more.

Credit solutions: Personal loans and lines of credit, securities-based lending, interim construction financing, insurance premium financing, working capital, equipment and practice/business buyout financing, equipment leasing, interest rate risk management solutions, ranch financing and mortgages on primary and vacation homes.

Cash management: Business checking, working capital management, automatic cash sweep accounts, commercial loans, professional practice lines of credit, equipment and real estate financing, corporate Visa® and international financial services.

We want to understand what money means to you and the purpose you want it to serve, so together we can set an appropriate investment objective and help you work towards your long-term goals.

This investment philosophy is the centerpiece of our approach to helping you make some of the most important decisions you face. Underscoring our philosophy are three key pillars:

• Relationships are built on knowledge.
• Our process leads to objective advice.
• Proactive oversight and communication produce results.

These pillars are the practical means by which we apply our philosophy and drive results for you.

Many families have never formally examined and quantified their financial security status. Even the wealthiest families can be at risk due to large philanthropic goals, spending needs or investment risk. Our financial planning analysis quantifies these risks and is tailored to help you work toward your financial goals and build and preserve your life’s wealth.

Many high-net-worth individuals forget about retirement planning. You are financially comfortable now, so why would the future be any different? But consider this: the wealthy tend to live longer, retire earlier and feel inflation more. And if the bulk of your wealth is tied up in operating a business, or you depend upon your salary to fund day-to-day living expenses, the future could be very different from the lifestyle you are accustomed to now. Our experienced professionals will navigate the road to retirement with long-term, efficient strategies designed to increase your savings and work toward your unique retirement goals.

Whether you are setting up a trust, a private foundation, arranging estate management or custody services, we offer a full range of fiduciary services where we can serve as the fiduciary or as the agent for the fiduciary.

Estate planning: Personal trust advisement, executor/co-executor designation, probate representation, and estate settlement and administration.

Personal trust: Comprehensive trust administration and investment and specialized asset management.

Custody services: Ideal for self-trusteed trusts and charitable foundations, we take responsibility for the safekeeping and custody of your assets, while you and/or your investment advisor control the investment decisions.

Successful business owners and managers face unique challenges to maintain and grow the enterprise for which they are responsible. Whether the entity is a corporation, partnership or sole proprietorship, issues surrounding earnings and human resources can be difficult and complex. Questions may arise about insurance, retirement plans, health savings accounts, or capital growth funds and the subsequent tax impact associated with moving dollars in or out of those areas. We will provide you with in-depth experience in all the areas that affect your business.

We capitalize on our very own niche expertise — we are one of the nation’s oldest and largest fiduciary managers of mineral and real estate properties. We offer comprehensive management services including:

Agent and trustee mineral management: Oil and gas accounting and lease review, division order analysis and processing, gas contract and marketing administration, exploration and production analysis, property valuation, ad valorem tax administration, file maintenance, reporting, and more.

Real estate management: Note and mortgage servicing, accounting and turnkey operations for urban, farm and ranch property.

Our insurance strategies are designed to protect your future income needs, reduce estate taxes and provide long-term financial security for your family. For business owners, our insurance strategies assist in the orderly transfer of ownership to family members and keep the company operating after a partner leaves, retires or dies. We help you work towards these goals through a comprehensive range of insurance solutions, including:

• Term and permanent life insurance
• Disability insurance
• Long-term care insurance
• Premium finance