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Wealth
Management

Beyond Banking

For nearly 160 years, Commerce Bank 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 Commerce 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.

Commerce Financial Advisors

Help with financial services.

Commerce Financial Advisors is ideal for investors who have graduated from do-it-yourself investing, seek diversified portfolios that balance risk and return, and want guidance to ensure they have access to liquidity to match their lifestyle. In addition to investment management, a Commerce Financial Advisor can offer retirement and insurance1 advice to help you answer important questions such as:

  • Which investments are right for me?

  • Do I have enough to retire?

  • How can I protect my family when I am no longer here?

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Commerce Trust Company

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Commerce Trust Company helps individuals and families who have more complex financial decisions and opportunities due to their accumulated wealth. A team of specialists can help you navigate the intricacies of higher wealth balances while also helping you grow and preserve it by answering questions such as:

  • What can I do to minimize my tax bill?2

  • How can I maximize Social Security when I don't need the income?

  • How can I use proceeds from a business sale to benefit my family for generations?

  • How can I transfer my wealth tax-efficiently?2

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Commerce Family Office

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Commerce Family Office serves ultra-high net worth families seeking strategic advice for day-to-day financial management, family governance issues, and generational wealth transfer. If you are looking for the highest level of service to manage and protect generational wealth while alleviating the stress of routine tasks, consider Commerce Family Office. A senior Commerce Family Office advisor will coordinate the efforts of internal specialists and your family’s trusted advisors to manage the wealth your family has built and preserve it for generations to come. A Commerce Family Office senior advisor can:

  • Manage day-to-day financial and personal affairs so you can focus on other important matters.

  • Prepare future generations for managing inherited wealth through financial education.

  • Help cultivate and implement your philanthropic vision.

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Which is a better fit for you?

Commerce Financial Advisors, Commerce Trust Company, or Commerce Family Office? Learn about the services each offers and the benefits available to you.

  Commerce Financial Advisors Commerce Trust Company Commerce 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 Commerce Trust Investment Research Team  Yes Yes Yes
Online access Yes Yes Yes
Banking Services Offered through Commerce Bank 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
 

Learn more about Commerce Financial Advisors

Learn more about growing and preserving your wealth

Learn more about preserving wealth for future generations

Do you have a question that you would like help answering and you don’t know where to start? Request a call from a local Commerce advisor to learn how we can help you prepare for the future while enjoying life today.

If you are not ready to talk to an advisor, enter your email address to receive strategies and insights from Commerce.

Disclosures:

Commerce Financial Advisors is a trade name used by Commerce Brokerage Services, Inc., a separate registered broker-dealer and non-bank affiliate of Commerce Bank.

Commerce Trust Company is a division of Commerce Bank.

Commerce Family Office is a unit of Commerce Trust Company.

  1. Insurance products sold through Commerce Insurance Services, Inc., a wholly owned subsidiary of Commerce Bank.
  2. Commerce does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situations.

Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets. Past performance is no guarantee of future results.

Mutual funds, annuities, and other investment products:

Not FDIC-insured

May lose value

No bank guarantee

Commerce Brokerage Services, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Commerce Bank.