Comprehensive Wealth Management
As a client of HighMark, you may benefit from a full suite of offerings from The Private Bank at Union Bank, N.A., as well as the support of experts who can weave together tailored financial solutions with a mission of helping you realize your goals. We begin by gaining an understanding of what’s truly important to you — your personal views, values, experiences, thoughts about business succession and inheritance, family and other relationships, as well as plans for your professional life. We then provide you with recommendations based on the knowledge and experience of our professionals in each relevant financial field.
1. Identify Objectives — After taking the time to get to know you and your situation, your relationship team will conduct an in-depth review of your objectives and goals, financial position, and wealth profile.
2. Provide Recommendations — Our skilled professionals offer thoughtful solutions tailored to your objectives.
3. Implement Strategy — We follow an integrated action plan focused on achieving optimum results based on your objectives.
4. Communicate — We conduct regular reviews of your situation and make recommendations for strategy adjustments as needed. We are always available to meet with you to discuss how your plan is progressing.
Trust and Estate Services(1)
Our trust and estate services group can assist you with developing a tax minimization strategy to help preserve and protect your wealth according to your vision for your personal legacy. We are able to meet the needs of wealthy families whose assets extend to non-traditional investments including management of your real estate holdings, closely held companies, and commodities that may be held in unique trust structures. We can work seamlessly with your outside advisors to creatively build an effective, trust-based financial strategy as well as quickly and effectively implement the recommendations of your entire financial team.
A full suite of banking and lending services(2) is available through Union Bank, N.A. We can help you manage your cash, borrow capital for personal as well as business expenses, match your expenses to depreciation of key assets, and access the liquidity you need to quickly take advantage of new opportunities.
Wealth Planning Services(3)
Our specialized financial planning professionals are at your disposal to create comprehensive plans that take into account multiple sources and uses of funds, cash flow requirements in the near and long term, and complex investment strategies that can affect the timing of liquidity events. We can help you build a complete program utilizing sophisticated banking, trust, and investment strategies so that you can maintain access to the funds you need while planning for capital preservation and estate-based requirements.
Brokerage and Insurance Services
For clients who prefer to take a more active role in their investment portfolio or require specific transaction services, UnionBanc Investment Services,(4) the brokerage subsidiary of Union Bank, N.A., offers an array of products and services to meet your investment needs. UnionBanc Investment Services financial advisors, through UB Insurance Services, a division of Union Bank, N.A., can also recommend Insurance solutions — including life and long-term care — that can help protect what you’ve earned and preserve your wealth for future generations.(5)
(1) Foundations, trusts and wills have estate planning and tax consequences. Consult your attorney.
(2)This is not a commitment to lend. Loans subject to credit and property approval, or vehicle/vessel evaluation, as applicable. Financing secured by properties or vehicles/vessels available for collateral located, or vehicles registered, in California, Oregon, or Washington. Unsecured financing available to residents of California, Oregon, or Washington. Terms and conditions subject to change. Appropriate insurance must be in effect on the property that secures the account.
(3)Wealth planning reports, recommendations and strategies have legal, tax, accounting and other implications. Prior to implementing any wealth planning report, recommendation or strategy, clients should consult their legal, tax, accounting and other advisors.
(4)Investments available through UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and subsidiary of Union Bank, N.A.:Are NOT insured by the FDIC or by any other federal government agency • Are NOT Bank deposits • Are NOT guaranteed by the Bank or any Bank Affiliate • MAY lose value
(5)Insurance and annuity products offered through UB Insurance Services (CA Insurance License #0817733), a division of Union Bank, N.A., and in conjunction with UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and subsidiary of Union Bank, N.A.:Are NOT insured by the FDIC or by any other federal government agency • Are NOT Bank deposits • Are NOT guaranteed by the Bank or any Bank Affiliate • MAY lose value • Are products of the insurance carrier