Wealth Management & Trust Services

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

Helpful Resources

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



Let's talk about what your financial success looks like.
Contact Wealth Management and Trust Services Managing Director, Jeff McDonald today to begin ensuring the financial well-being of your loved ones.
Get Started

MANAGING DIRECTOR, WEALTH MANAGEMENT & TRUST

Jeffrey McDonald
Senior Vice President

210 Essex Street, Salem, MA 01970

(978) 720-5155
jeffrey.mcdonald@salemfive.com

 


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