Wealth
Management
Beyond Banking
For nearly 160 years, Commerce Bank has helped individuals and families prepare for the future, enjoy the lifestyle they envision, and adjust to the unexpected. Our advisors will meet you where you are — whether you are just getting started, enjoying retirement, or somewhere in between. They will get to know you and your goals, help you chart a plan to achieve them, and review and adjust your plan when the unexpected occurs.
We know that no two clients are the same, but we believe each of our clients benefits from the experience that comes with serving countless investors through all market cycles. Advisors at Commerce have helped clients:
- Plan for retirement;
- Save for college;
- Protect their family with insurance;
- Leave a financial legacy; and
- Respond to unexpected life events like a layoff and exciting ones including marriage, a new baby, and more.
We are here to help
Commerce Financial Advisors, Commerce Trust, or Commerce Family Office? Learn about the services each offers and the benefits available to you.
| Commerce Financial Advisors | Commerce Trust | Commerce Family Office | |
|---|---|---|---|
| Typical Assets | Generally $100,000–$650,000 in investable assets | Generally more than $650,000 in investable assets | Generally $25,000,000 or more |
| Relationship Type | One-on-one with an advisor | A team of internal specialists whose efforts are coordinated by your single point-of-contact | Single point-of-contact who coordinates internal specialists and external advisors |
| Guidance from the Commerce Trust Investment Research Team | Yes | Yes | Yes |
| Online access | Yes | Yes | Yes |
| Banking Services | Offered through Commerce Bank | Concierge service integrated in wealth planning | Concierge service integrated in wealth planning |
| Investment Management | Individual bonds, mutual funds, managed accounts and annuities | Customized portfolios | Custom portfolios Institutional investing ability |
| Trust & Estate | Wealth transfer | Wealth transfer Wealth preservation Tax efficiency |
Wealth transfer Wealth preservation Tax efficiency Legacy planning |
| Wealth Planning | Goals-based | Comprehensive goals-based | Generational |
| Specialty Services | Generally, not applicable | Business valuation and succession planning | Business valuation, succession planning and lifestyle support |
| Other Professional Advisors | Referral to attorneys, accountants, advisors | Include your attorney, accountant, advisor or offer referrals | Include your attorney, accountant and other advisors |
| Fee Structure | Commission-based and/or fee-based | Fee-based | Fee-based |
| Advice Type | Suitability standard Fiduciary |
Fiduciary | Varies by relationship |
| Typical Clients | Investors saving for or enjoying retirement | Individuals and families investing for multiple goals such as retirement and wealth transfer | Families who have complex financial needs and prioritize wealth preservation, tax-efficiency and legacy planning |
Commerce Financial Advisors
Commerce Financial Advisors is ideal for investors who have graduated from do-it-yourself investing, seek diversified portfolios that balance risk and return, and want guidance to ensure they have access to liquidity to match their lifestyle. In addition to investment management, a Commerce Financial Advisor can offer retirement and insurance1 advice to help you answer important questions such as:
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Which investments are right for me?
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Do I have enough to retire?
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How can I protect my family when I am no longer here?
Commerce Trust
Commerce Trust helps individuals and families who have more complex financial decisions and opportunities due to their accumulated wealth. A team of specialists can help you navigate the intricacies of higher wealth balances while also helping you grow and preserve it by answering questions such as:
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What can I do to minimize my tax bill?2
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How can I maximize Social Security when I don't need the income?
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How can I use proceeds from a business sale to benefit my family for generations?
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How can I transfer my wealth tax-efficiently?2
Commerce Family Office
Commerce Family Office serves ultra-high net worth families seeking strategic advice for day-to-day financial management, family governance issues, and generational wealth transfer. If you are looking for the highest level of service to manage and protect generational wealth while alleviating the stress of routine tasks, consider Commerce Family Office. A senior Commerce Family Office advisor will coordinate the efforts of internal specialists and your family’s trusted advisors to manage the wealth your family has built and preserve it for generations to come. A Commerce Family Office senior advisor can:
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Manage day-to-day financial and personal affairs so you can focus on other important matters.
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Prepare future generations for managing inherited wealth through financial education.
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Help cultivate and implement your philanthropic vision.
Ready to talk?
Do you have a question that you would like help answering and you don't know where to start? Request a call from a local Commerce advisor to learn how we can help you prepare for the future while enjoying life today.*
If you are not ready to talk to an advisor, enter your email address to receive strategies and insights from Commerce.*
Disclosures:
* To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
Commerce Financial Advisors is a trade name used by Commerce Brokerage Services, Inc., a separate registered broker-dealer and non-bank affiliate of Commerce Bank.
Commerce Trust is a division of Commerce Bank.
Commerce Family Office is a unit of Commerce Trust.
- Insurance products sold through Commerce Insurance Services, Inc., a wholly owned subsidiary of Commerce Bank.
- Commerce does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situations.
Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets. Past performance is no guarantee of future results.
Mutual funds, annuities, and other investment products:
|
Not FDIC-insured |
May lose value |
No bank guarantee |
Commerce Brokerage Services, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Commerce Bank.
