WEALTH MANAGEMENT
& TRUST
Providing guidance and discipline for families who want to ensure a legacy of financial health.
Protect, Preserve & Grow
Salem Five Wealth Management and Trust provides clients independent full-service financial advice and management to institutions and high-net-worth individuals. We are legal fiduciaries, which means our clients' needs come first. We are a fee-only fiduciary wealth management firm and do not sell products or charge for transactions.
Our Approach
Asset Allocation is responsible for more than 90% of portfolio performance. Stock selection and market timing make only a minor contribution to performance. This provides the framework for managing risk, with an emphasis on: core–satellite investment strategy; allocations to high Alpha asset classes, including Small-Cap, Micro-Cap and Emerging markets; and allocations to real assets such as Commodities, Energy MLPs, Infrastructure and REITS.
Highly regulated oversight and review process:
- Weekly Investment Committee meetings
- Monthly Reg. 9 Oversight meetings
- Quarterly Oversight by Investment Trust Committee
- Annual Audit Requirements
Our Services
Investment Management
Financial Planning
Estate Planning
Trust Planning & Administration
Corporate Trustee & Fiduciary Services
Succession Planning
Custody & Escrow Services
What you can expect:
- Create, monitor and update investment policy objectives and asset allocation targets
- Regular face-to-face meetings and results presentation
- Tax-efficient investment management
- Dedicated Salem Five Relationship Manager and Investment Officer
- No transaction costs
Personal Investment Process
Step 1: Gather Information
- Identifying your investment goals
- Establishing your risk tolerance
- Determining an investment time horizon
- Identifying tax requirement and liquidity needs
Step 2: Design a portfolio based on your investment needs and constraints
- Identify an investment strategy
- Set the asset allocation
- Create an investment policy statement
Step 3: Implementation and Monitoring Portfolio to Investment Objective
- Setting the investment strategy into action
- Constant monitoring of securities and financial markets
- Replace securities and managers that fail to meet the client’s financial goals
- Continuous communication and review of portfolio and financial objective
Meet our team
A Salem Five Wealth Management & Trust Expert is ready to answer all your wealth management questions today.
Securities and Investment products offered through Salem Five Wealth Management and Trust Company
(A Division of Salem Five Bank) are:
- Not Insured by FDIC or Any Other Government Agency
- Not Bank Guaranteed
- Not Bank Deposits or Obligations
- May Lose Value
The Salem Five Investment Services site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NY, OH, OK, OR, PA, RI, SC, TX, UT, VA, VT, WA, WI, WV.