Coral Gables Trust Company

Products And Services

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  Coral Gables Trust Delegated Trust

  WHY A DIRECTED TRUST WITH CGTC SERVING AS TRUSTEE? Coral Gables Trust Company allows the creator of a trust to direct them to follow the investment selections of an outside advisor. This business model permits control over the assets and the revenue they generate to remain with the Financial Advisor. Coral Gables Trust Company has the responsibility to administer the trust. Since we do not select the investments we are able to significantly reduce our fee. The combined trust administration and investment fees are often less than the fees charged by a "full service trustee." HOW A DIRECTED TRUST WORKS? • Grantor appoints the Financial Advisor under the controlling document, thus assuring that the primary client relationship remains with the advisor, not the trust company. • The Financial Advisor is charged with all investment duties and is held responsible for the investment performance. • This eliminates the trustee’s duty to supervise specific investments and therefore divides the responsibilities. • Coral Gables Trust is charged with all trust administration duties and held responsible for their proper execution. • Directed trusts easily accommodate multiple fiduciaries and non-fiduciary appointments like trust protectors. THE PRIMARY DUTIES OF THE TRUSTEE Non-discretionary tasks: These include making periodic income payments as agreed by the beneficiary and the trustee. Trustees must also pay out principal as set forth in the trust agreement and attend to all other matters instructed by the trust. Discretionary tasks: The trustee’s fiduciary duty may require it to exercise its judgment on a variety of matters. Language in the document often permits principal to be distributed for the maintenance and support of a beneficiary. The trustee may have to consider other sources of income available to the beneficiary as well as the potential future needs of the next generation.

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  Wealth and Investment Management with Coral Gables Trust Company

  INVESTMENT MANAGEMENT TECHNOLOGY The Coral Gables Trust Company investment philosophy is derived from a Unified Managed Account (UMA). This approach allows the company to manage client portfolios containing multiple managers in a single account while eliminating the inefficiencies associated with separately managed accounts. A unified investment approach allows our clients to benefit from several attributes that include: Elimination of duplicate holdings Tax efficiency Reduced turnover Statistically based rebalancing Avoidance of manager minimums With the firm's award-winning investment management technology, the entire wealth cycle of our clients can be managed in a streamlined fashion. Important technological features include: Proposal generation Detailed performance reporting Manager research and news bulletins Customized model management Cash/expense management Industry leading portfolio rebalancing technology Coral Gables Trust Company employs a combined strategy using both alpha generating active investments and index tracking investments to optimize risk, return and costs. The firm utilizes a unique combination of outside expertise and internal committees to fulfill the duties of investment manager research, investment manager selection, asset allocation, investment objectives and investment policy formation. CGTC has aligned itself with a top tear and state-of-the-art strategic open-architecture partner to provide the firm with investment manager due diligence, research updates, award winning investment technology, proposal generation and performance reporting. Additional third-party sources such as Morningstar® and Charles Schwab & Co., Inc. are used to supplement the firm's research function. INVESTMENT MANAGER RESEARCH PROCESS Through its open-architecture partnership, the firm has access to several hundred fully researched investment manager solutions that can be used within client portfolios. The approved managers are selected based on a thorough qualitative and quantitative research process that is designed to illustrate the long-term value creation of each manager within their respective mandate. The Coral Gables Trust Company Investment Committee (TIC) has the responsibility to approve and monitor each strategy. The Committee selects investment managers that possess high quality attributes such as low turnover, conviction in their holdings, strong downside protection and positive risk adjusted returns over market cycles. SERVICES Coral Gables Trust Company manages diversified portfolios for high-net worth individuals, families and complex fiduciary situations that include irrevocable trusts, revocable trusts, guardianships, special needs trusts, charitable trusts, foundations and endowments. Our investment management services include but are not limited to: Custom strategic allocation Non-biased, arm's length investment manager selection No proprietary product Tax efficient rebalancing Investment security constraint management Detailed performance reporting No separate account investment managers Investment and related products are: Not Insured by the FDIC, the United States Government or any Governmental Agency or by Coral Gables Trust Company or any of its affiliates. Not obligations of the Trust Company or guaranteed by the Trust Company. Subject to Investment risk and may lose value.

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  Trust and Estate Settlement Services

  Coral Gables Trust Company acts as the investment advisor, trust administrator, corporate trustee, co-trustee and agent of trustee. Our team ensures safekeeping of all trust assets and conscientiously performs the trust administration duties outlined in the trust documents, such as: discretionary distributions, tax reporting, bill paying, and record reporting. Administration and oversight of trusts can prove highly complex thereby requiring experience and deep subject matter expertise, characteristics which are well represented by the firm's Trust Administrative Commitee. Our TAC is responsible for the oversight, review and monitoring of all trust and investment management relationship approvals and issues. TRUST SERVICES Revocable Trusts Charitable Trusts Institutional Trusts Special Needs Trusts Irrevocable Trusts Agent for Trustee Directed Trusts Testamentary Trusts Life Insurance Trusts Coral Gables Trust Company has a highly-experienced team of professionals who provide a full array of trust and investment services. Our professionals include attorneys, accountants, and financial planners. We work closely with our clients, their families, and professional advisors to build a plan that meets their specific objectives. We administer trusts and estates in a manner that ensures that the objectives of our clients are carried out. We have the ability to manage trusts that are designed for tax, asset protection, special needs and a variety of other purposes. We assist families by determining cash flow requirements and having funds available to meet them. We assist in the preparation of tax returns and provide management and/or oversight of all types of assets, including real estate. CUSTODIAL SERVICES We utilize the services of nationally recognized custodians. Securities Safekeeping Income collection from securities Settlement of securities trades as directed Payment of funds when directed Timely statement delivery Custody of alternative investments OTHER SERVICES Retirement Escrow Estate Settlement Oversight By retaining the services of Coral Gables Trust Company, clients receive the benefit of having access to trust experts who deliver comprehensive, local, independent, high-level, flexible, & responsive service. BENEFITS Local: Face-to-face client service. Clients have direct access to our trust management team. No call centers. Independent: Clients receive the benefit of an institution that is devoted solely to providing trust and wealth management service. Coral Gables Trust company is free of any obligation to promote proprietary products. High-Level: Clients have access to talented, highly trained, and experienced trust professionals. Flexible: Clients receive the benefit of creative solutions to achieve the objectives of their trust and their individual needs. Accessible: We respond to clients' needs in a timely manner. Each of our administrative staff has backup in their absence.

• Financial Planning

  PLANNING MAKES A DIFFERENCE 5 reasons why you should work with a financial professional to create a retirement plan: Focus on your goals in retirement and how you will pay for them. Address your concerns and expectations for retirement. Identify things that could pose a threat to your retirement and manage them. Feel more educated, confident and in control of your financial future. To help you navigate the complexity of financially moving into retirement. Find out now if you can achieve your retirement goals. Do you want to have fun in retirement? Planning can make the difference and it doesn't have to be difficult. Working with a CGTC financial professional that understands your retirement goals can help you create a plan to make the most of your money - now and in retirement.

  Link: Financial Planning