Premier Wealth Management Branding Booklet

Premier Wealth Management Branding Booklet

P R E M I E R W E A LT H M A N AG E M E N T

Where your wealth is worth more.

PREMI ER WEALTH MANAGEMENT

You’ve earned this.

2 calbanktrust.com

PREMI ER WEALTH MANAGEMENT

As a Premier Wealth Management client, you become a member of a select group of individuals who enjoy privileged access to our Private Banking and Wealth Management products and services. Taken together, they represent a comprehensive and proven approach to growing and protecting wealth — and for best managing your complex array of financial assets. Discover why for a growing number of Californians, CB&T Premier Wealth Management has become the preferred approach.

OUR APPROACH

Now that you’ve arrived, let’s make sure you enjoy your stay. We start by providing you a dedicated relationship manager who will serve as your direct link to an entire team of wealth management professionals. And to whom you’ll have virtually unlimited access. Working together, we’ll conduct a personal financial analysis to help establish realistic goals and formulate a detailed plan on how to best achieve them. Then we’ll provide you expedited access to a tailored suite of lending products, the expertise you need to make an informed decision, and the ability to take advantage of changes in market conditions and seize new opportunities.

We know getting here wasn’t easy. But with CB&T Premier Wealth Management, staying here can be.

PERSONAL FINANCIAL ANALYSIS

DEDICATED RELATIONSHIP MANAGER

4 calbanktrust.com

EXPEDITED LENDING APPROVAL

ACCESS TO A TEAM OF WEALTH MANAGEMENT PROFESSIONALS

5

6 calbanktrust.com

A wealth of privileges with the richness of personal attention. PRIVATE BANKING

As a CB&T Premier Wealth Management client, you’ll gain access to an exclusive suite of private banking solutions. Our services come with preferred fees, balances, and terms as well as expanded features and benefits.

As always, you’ll enjoy the personal attention of your relationship manager, who will guide you to the appropriate options available and ensure your selections are aligned with your short- and long-term goals.

YOUR GOALS

PRIVATE BANKING

WEALTH MANAGEMENT

Š Š Deposit Solutions Š Š Private Mortgage

Š Š Customized Lending Solutions Š Š Securities-based Lending (ILOC)

7

WEALTH MANAGEMENT OFFERED THROUGH CB&T WEALTH ADVISORS

Unbiased counsel. Unrivaled commitment. Uncompromised solutions.

Our representatives are registered with LPL Financial, the largest independent broker dealer in the nation. * Being independent means that there are no proprietary products and we are able to be authentic in our investment recommendations. Our only motivation in developing your wealth management strategies and solutions is to offer professional, unbiased counsel that is in your—and only your—interest.

By coming to understand the complexities of your personal, business, and family finances, we’re better able to help you identify and pursue your wealth management goals.

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Insurance and annuity products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured ZB, N.A. deposits and are not FDIC insured. These products are not obligations of the ZB, N.A. and are not endorsed, recommended or guaranteed by ZB, N.A. or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. ZB, N.A. and its California Bank & Trust, and CB&T Wealth Advisors divisions are not registered broker/dealers and are not affiliated with LPL Financial. * As reported by Financial Planning Magazine, June 1996 - 2016, based on total revenue.

8 calbanktrust.com

YOUR GOALS

WEALTH MANAGEMENT

PRIVATE BANKING

Š Š Wealth Planning Š Š Investment Management Š Š Trust Services ** Š Š Insurance

** Trust & fiduciary investment services are offered through Wealth & Fiduciary Services, a part of ZB, N.A. Wealth Management, a division of ZB, N.A. Investment products and services are NOT insured by the FDIC or any federal or state governmental agency, are NOT deposits or other obligations of, or guaranteed by, Zions Bancorporation or its affiliates, and MAY be subject to investment risks, including the possible loss of principal value or amount invested.

9

L IFE STAGES

In complex financial matters, a proven approach matters most of all. The more complex your financial life becomes, the more you’ll appreciate being a client of Premier Wealth Management. By having the process, programs, products, and personnel in place, we’ll provide you an integrated, holistic approach to achieving your wealth goals. Your relationship manager will introduce additional wealth management professionals as necessary to provide you credible solutions to all of your financial needs, everchanging as they’ll be. Access to such specialists helps ensure we deliver you both the best solution and an unparalleled level of service throughout the various stages of your life.

10 calbanktrust.com

CREATE & BUILD WEALTH Š Š Consolidation of Assets

PROTECT & PRESERVE WEALTH Š Š Growth in Income (Stock Options) Š Š Facilitate Exit Strategy from Company

Š Š Plan for the Unexpected (Insurance) Š Š Home Ownership (Debt Planning) Š Š Saving for Retirement (IRA/401K)

(Business Succession Plan) Š Š Potential Health Concerns (Durable Power of Attorney)

WEALTH LEGACY Š Š Protection of Wealth

UTILIZE WEALTH IN LIFE Š Š Tax Concerns (Gifting During Life) Š Š Philanthropy (Charitable Gifting During Life) Š Š Preservation of Wealth (Titling of Assets)

(Choice of Executor/Trustee) Š Š Transfer of Wealth (Distribution Plan for Spouse/Descendants at Death) Š Š Creating a Legacy (Charitable Inclinations at Death)

11

EVALUATION & PLANNING

Not a year goes by we don’t analyze the year gone by.

The best wealth management plans are those that get measured, evaluated, and reworked accordingly. Not occasionally, but consistently. So every year, we look at the year behind and the year ahead. Working with you, we identify what needs to change and what should stay in

place. We also identify new opportunities and new needs based on changes in your life, your business, and your goals. This way, you know the year ahead will be thoughtfully planned. And one to celebrate as it draws to a close. Year after year after year.

UPDATED PERSONAL FINANCIAL STATEMENT

MEETING WITH TEAM

INCOME REVIEW

Š Š Performance Review Š Š Goal Alignment Š Š Recommendations

Š Š Assets Š Š Liabilities Š Š Real Estate Holdings

Š Š Tax Returns Š Š Updated

Documentation

12 calbanktrust.com

13

Wealth is about more than just money. It’s about the things that matter most to you: Family. Philanthropy. Legacy. Retirement. While the list is different for everyone, the purpose of CB&T Premier Wealth Management is always the same—to help you grow, protect, and apply your wealth in accordance with your wishes.

Knowing that our only goal is to help you achieve yours should give you not only confidence in our recommendations, but comfort as well.

Your wealth is worth more at CB&T.

14 calbanktrust.com

Where all the pieces come together. And stay that way. GET TING STARTED

For specific product information, please review enclosed materials.

It doesn’t have to end here.

Discover just how much more your wealth is worth with CB&T Premier Wealth Management. For additional information call (844) 217-1428 or visit us at calbanktrust.com.

Equal Housing Lender | SBA Preferred Lender | ZB, N.A. NMLS# 467014 FLD PWM 100 (05/17) 0517

A division of ZB, N.A. Member FDIC © 2017 ZB, N.A.