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Philosophy
Guaranty's Wealth Management Group Philosophy

Comprehensive solutions to benefit your life and your wealth


For many years wealthy families in the United States have depended on professional advisors and fiduciaries for advice and management associated with their planning and financial needs. The professionals in our Wealth Management Group can develop innovative solutions and work with your other advisors to address the many ways in which your personal and financial lives intersect and develop customized plans for your specific needs, circumstances and wealth management goals.
 
The members of your Wealth Management team at Guaranty Bank & Trust are experienced professionals who act on your behalf in a fiduciary capacity. Every recommendation is made in the context of your overall tax, investment and wealth management or trust related needs and in your sole interest. We work to optimize all of the financial and tax benefits available to you by delivering proactive advice and recommending planning opportunities. What are the steps involved in this process?
 
1. Wealth structuring to provide an essential framework
We work closely with you and your other professionals to create and maintain a plan for building, protecting, enjoying and transferring your wealth. This begins with a complete analysis of your existing tax planning and financial picture to determine which planning strategies and techniques might be best for you. Based on our experience across estate, gift and income tax planning, multiple investment management alternatives, plus credit and banking tools, we consider both your shorter and longer term objectives in order to implement and maintain strategies which work together to benefit you and your family.
Atlanta Texas
2. Risk profiles plus an exceptionally broad range of investment capabilities
We initially work with all clients to develop an investment risk profile for their specific discretionary investment portfolios in our Wealth Management Group. We review and, if necessary, update your risk profile on an annual basis. Using your risk profile as a guide, Guaranty Bank & Trust’s Wealth Management Group provides a broad spectrum of investment tools which spans from mutual funds to customized individual portfolios to alternative investments, primarily through nonproprietary managers with special expertise in their respective disciplines. Any nonproprietary asset managers used by us to manage your investments must meet our selection criteria as well as our stringent fiduciary asset management requirements.
Wealth Planning Services
  • Cash flow and lifestyle planning

  • Asset structuring and ownership strategies (including trusts, FLPs, LLPs)

  • Income tax planning

  • Gift and estate tax planning

  • Intergenerational wealth planning

  • Business succession planning

  • Concentrated stock or other asset positions

  •  Family education and governance

Trusts and Estates Services
  • Wealth transfer planning

  • Estate tax and probate planning

  • Lifetime gift tax strategies

  • Customized trust solutions

  • Trust administrative services

  • Estate settlement services

  • Serving as executor, trustee or co-trustee

  • Serving as agent for trustees or executors

  •  Custody and recordkeeping services

 
Philanthropic Services
  • Philanthropic planning for individuals and entities

  • Foundation investment and administrative services

  •  Planning, investing and administration of charitable trusts and foundations

Portfolio Management Services
  • Portfolio construction and management

  • Asset allocation modeling

  • Risk and liquidity budgeting

  • Alternative investments

  •  Low-cost-basis tax and investment strategies

 
Traditional Investment
  • Equities

  • Fixed income

  •  Mutual Funds

Alternative Investments
  • Hedge funds

  • Private equity & businesses

  • Commercial and residential real estate

  • Farm, ranch and timber land

  •  Oil, gas and minerals interest

 
Financial Management Tools
  • Investment management, custody and trust account reporting

  • Partnership accounting

  • Online bill payment and personal and business banking

  •  Online invoicing, payroll and tax

Liquidity Services
  • Deposit accounts

  • Sweep accounts

  • Treasury management

  • Large deposit strategy

  •  Credit cards

 
Custom Credit
  • Structured lending solutions

  • Entrepreneurial and investment financing

  • Real estate financing

  •  Wealth transfer financing

Family Office Services
  • Organized financial and structural planning

  • Investment consulting and management

  • Fiduciary services and administration

  •  Information management and reporting

 
 
Note: This is not a solicitation, or an offer to buy or sell any security or investment product, nor does it consider individual investment objectives or financial situations. Information in this material is not intended to constitute legal, tax or investment advice. You should consult your legal, tax and financial advisors before making any financial decisions. If any information is deemed “written advice” within the meaning of IRS Regulations, please note the following:
 
IRS Circular 230 Disclosure: Pursuant to IRS Regulations, neither the information, nor any advice contained in this communication (including any attachments) is intended or written to be used, and cannot be used, for the purpose of (i) avoiding tax related penalties or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein. While the information contained herein is believed to be reliable, we cannot guarantee its accuracy or completeness. Guaranty Bank & Trust, N.A. and Guaranty's Wealth Management Group. 

 
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Not FDIC Insured    May Lose Value    No Bank Guarantee