Wealth Management
Your Local Connection to World-Class Wealth Management Services
At Guaranty Bank & Trust Wealth Management, the achievement of client financial objectives is our top priority. Our team of experienced wealth professionals provides our clients with personalized wealth services that are tailored to their needs. Whether you’re planning for retirement, looking for an investment advisor, or seeking financial planning advice, our team is equipped to answer questions, provide guidance and assist you in accomplishing your goals, whatever they may be. Discover the difference that personalized wealth management service can make. Contact us today to learn more about how our wealth management group can help you achieve your financial goals.
Advantages of working with us
Personalized Service
Our team provides customized financial strategies that align with your unique goals and needs.
Comprehensive Solutions
We offer a full range of services, including investment management, retirement planning, and estate planning.
Collaborative Approach
We work closely with your other advisors, such as attorneys and CPAs, to ensure a cohesive financial plan.
Ongoing Support
Our team is always available to provide guidance and answer your questions, helping you navigate your financial journey with confidence.
What makes us different
At Guaranty, we understand the importance of earning a client’s trust before earning their business. In keeping with that commitment, our professionals utilize a comprehensive approach in providing customized financial solutions from a wide variety of resources. We take the time to get to know our clients, learn about what’s most important to them, and devote our full attention toward developing financial strategies that are tailored to their needs.
Wealth Management Services
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The management of investments is never a “one-size fits all” proposition for us. We consider the individual goals, risk tolerance, and time horizon of each client to determine the most appropriate asset allocation for their portfolio. We create an investment policy statement (IPS) for each account to make certain the investments are aligned with the client’s goals. We meet with the client to review their policy on a regular basis to determine if changes are necessary due to life events that may have an impact on the allocation.
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This is the process of creating a plan for managing the client’s finances and preparing for the future. It involves assessing the financial situation (income, expenses, etc.), identifying goals, and creating a plan that provides a “road map” that is suited to the client’s objectives.
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This is an excellent way for the client to borrow funds against their assets and still keep their investments in the market.
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This is the process of developing and implementing a comprehensive plan of how you wish your assets to be divided after you pass on. This can include any combination of a trust, will, powers of attorney, advance directives, real estate deeds etc.. It provides peace of mind for the client to know they are prepared for end of life and that their loved ones will be taken care of after they are gone.
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Guaranty has trust powers that allows the bank to act in a fiduciary capacity according to applicable laws and regulations. We are very experienced and well equipped to serve as trustee or executor for a wide range of trusts and estates.
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Many of our clients are either preparing for retirement or are already retired. We have a variety of resources to assist them during this important time. We manage traditional and Roth IRAs and can facilitate 401k rollovers that avoid tax consequences for qualified retirement funds.
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We coordinate and collaborate with our client’s CPAs to make certain we are aligned in our strategies on behalf of the client and protect them from a tax perspective.
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We also provide our wealth expertise in providing investment management services for foundations and 501(c)(3) nonprofit organizations. These investment portfolios are managed according to an Investment Policy Statement (IPS) drafted specifically for the organization. The IPS provides clarity regarding the organization’s investment goals, risk tolerance and allowable asset classes to ensure compliance with regulations and align the investments with the organization’s mission.
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Our department provides custodial account services for a number of self-directed IRAs and other client accounts. As custodian, our primary role is to hold and safe guard assets held in the account and conduct transactions according to client instructions. We also collect income, price securities positions, and provide record keeping for all account related transactions.
Who we serve
Our Texas based team of wealth advisors work with affluent individuals and families, business owners, executives, professionals, retirees and many other successful people and organizations. In addition, we have experience in administering accounts for charitable trusts, foundations, and a wide range of non-profits. We support our bankers throughout the Guaranty footprint with a specialized area of expertise that further enhances the Guaranty customer experience.
Our Team
Benefit from the extensive knowledge and experience of our wealth advisors.
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Bill Titcomb
- Senior Vice President, Director of Trust & Wealth Management
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Zac Jordan
- Senior Vice President, Portfolio Manager
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- Senior Vice President, Trust Operations Manager
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Jana Green
- Operations Officer, Trust Operations Specialist
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Paige Uveges
- Trust Administrator
Frequently Asked Questions
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As mentioned above, financial planning is the process of creating a plan for managing the client’s finances and preparing them for the future. It involves assessing the financial situation (income, expenses, etc.), identifying goals, and creating a plan that provides a “road map” suited to the client’s objectives.
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With no obligation, our professionals will be glad to visit with you to learn more about your needs and determine if our services would be beneficial to your situation.
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Our fee schedule is very competitive and our personalized service model allows us to separate ourselves from our peers.
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Our tenets of investment management are as follows:
- Preservation of capital in difficult markets
- Our investment decisions are based on strong fundamentals
- We take a long-term outlook regarding the markets
- We utilize risk aware portfolio construction
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Our client base consists of affluent individuals and families, business owners, professionals, retirees, and a wide range of successful people. The majority of our clients are bank customers who already have a relationship with the Bank.
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A wealth manager is a financial advisor that works with high net worth clients. In our work as wealth managers, we take a comprehensive approach that encompasses investment management, financial planning, property, retirement, and estate planning on behalf of our clients.
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A wealth manager can help their clients achieve peace of mind through the creation of an estate plan that protects their wealth for the future by factoring in their investments, property and other assets. A thoughtful estate plan allows the assets to be passed on according to the client’s wishes while minimizing estate taxes and maximizing the financial benefit to descendants.
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Absolutely. It begins and ends with communication. We work with our clients to create a tailored plan for their retirement. The plan includes but is not limited to investment management, income needs and estate planning. We implement the plan strategically, review it on a regular basis and make changes as needed according to the client objectives.
Investment products are not FDIC insured, are not bank guaranteed, and may lose value.