Wealth
Management
Beyond Banking
For 160 years, Harborstone Bank & Trust 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 Harborstone 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
Harborstone Financial Advisors, Harborstone Trust, or Harborstone Family Office? Learn about the services each offers and the benefits available to you.
| Harborstone Financial Advisors | Harborstone Trust | Harborstone 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 Harborstone Trust Investment Research Team | Yes | Yes | Yes |
| Online access | Yes | Yes | Yes |
| Banking Services | Offered through Harborstone Bank & Trust | 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 |