| Q: |
What makes Investment Trust Company different?
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| A: |
Perhaps the most important difference is independence.
Investment Trust Company is locally owned and managed by the
people who work with you. We therefore have a vested interest
in providing personalized, professional services of the highest
quality. We serve as advocates for our clients in financial
and trust matters. Unlike many other financial advisors, we
are unencumbered by ties to specific products or institutional
policies. Our recommendations are fair, unbiased, and focused
exclusively on meeting the objectives of those we serve. |
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| Q: |
Why a focus on “Private Wealth Management”? |
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| A: |
It is ironic that families and individuals are often faced with much greater
investment complexity than their institutional counterparts. Most
investors with substantial estates have multiple capital pools, often
including IRAs, other retirement plans, various personal accounts, trusts,
and business interests. In these situations, non-investment issues such
as taxes, estate planning and future investment management are of
significant importance.
Private wealth management combines a number of key components which, when
successfully implemented, result in long-term financial success and
security for wealthy individuals and families.
These components include:
- The creation of a long-term client specific strategy incorporating the building, preserving and eventual transfer of assets.
- The effective execution of this strategy through the appropriate legal vehicles (asset location), development of a customized asset allocation plan and implementation via proper tax-appropriate investments.
- The ongoing individualized attention to a client’s evolving needs and objectives.
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| Q: |
What are the costs of working with Investment Trust Company? |
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| A: |
Investment Trust Company is a “fee-only” organization. We do not receive sales or brokerage commissions. We charge a
fee, based on assets under management, thus insuring that our interests are
aligned solely with those of our clients. |
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| Q: |
Who would be overseeing my relationship? |
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| A: |
At Investment Trust Company, accounts are managed on a team basis
with each relationship maintaining a primary and back-up Relationship Manager.
Our teams are selected to best meet the individual needs of the client.
The Investment Policy Committee, comprised of all portfolio managers and
the Chief Investment Officer, oversees the industry sector allocation and
stock selection process with portfolio managers maintaining investment
discretion with respect to specific client portfolio decisions.
We are committed to keeping you informed, and dedicated to maintaining
two-way discussions of your financial status. In addition to meetings and
conversations with your relationship management team, our client
communication includes monthly statements, and a quarterly Account Review
package which includes our newsletter, a financial market update and
account specific performance. For clients who wish to view their accounts
online, we offer myInvestmenttrust.com,
our 24 hour a day, 7 days a week link to account and performance web access. |
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| Q: |
How do I know my assets are safe? |
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A: |
Investment Trust Company is an independent trust company chartered,
regulated and examined by the State of Colorado Division of Banking. We do not
accept deposits or make loans. The organization is audited by the
State Banking Commission and an independent Certified Public Accounting firm.
It maintains capital in compliance with state banking regulations and is
both fully bonded and insured.
In compliance with banking regulations, all client funds are held in
segregated accounts. Adding an additional layer of protection, physical
custody of securities is sub-contracted to SEI Trust Company, the world’s
largest global provider of trust systems and services. |
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| Q: |
How would you invest my portfolio? |
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| A: |
Investment Trust Company provides institutional level
separate account management services for clients. Due to the inherent tax
advantages of owning individual stocks and bonds, we provide each client
with an individually managed portfolio of stocks and bonds based upon their
unique investment objectives.
Our experienced portfolio managers use a
“quality growth” approach in selecting 45 to 50 individual stocks as core
holdings. Individual municipal or taxable bonds and/or bond funds are
employed for income and diversification. Exposure to smaller capitalization
and international stocks is provided via seperately managed accounts or
institutional funds where appropriate.
Tax considerations are
taken into account in the initial positioning and ongoing management
of portfolios. Where large low-cost stock positions exist, we work with
clients to devise a tax-sensitive, long-term diversification strategy. |
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