Wealth Management Services
Investment Management Within a Fiduciary Framework
Chain Bridge Bank, N.A. provides wealth management services within its Trust & Wealth platform under a fiduciary framework, when engaged under a written agreement. The Bank acts in a fiduciary capacity under national trust powers granted by the Office of the Comptroller of the Currency (OCC).
Service Overview
The Bank follows a disciplined investment philosophy: broad diversification, prudent asset allocation, cost awareness, and a long-term perspective. It manages each portfolio consistent with the client’s established risk tolerance and with regulatory fiduciary standards.
Investment Principles
Diversification
Following the principles in the Bank’s Investment Philosophy, investment officers use low-cost, broad-based total market index funds. This approach is intended to reduce concentration and idiosyncratic risks, including individual security, sector, industry, style, manager selection, and geographic risk. Market risk remains a primary driver of long-term portfolio outcomes.
Prudent Allocation
Each client’s risk tolerance and investment horizon inform asset allocation decisions.
Cost Awareness
The Bank favors investment vehicles with lower operational and transactional costs where appropriate.
Long-Term Orientation
The Bank maintains a consistent investment approach over extended timeframes rather than trading frequently.
These principles are aligned with the Bank’s fiduciary duties and designed to support clients’ broader financial objectives.
Client Engagement
Wealth management services may include portfolio oversight and coordination with other fiduciary, estate planning, and financial professionals. Engagements are tailored based on client objectives, financial circumstances, and risk considerations.
Related Services
The Bank also serves as trustee for specialized trusts involving complex assets or sensitive beneficiary needs, subject to acceptance review.
Learn more about Specialized Trustee and Fiduciary Services.
Review the principles behind our approach in our Investment Philosophy.
Speak With Our Team
Our Trust & Wealth team can discuss how the Bank’s wealth management approach applies to your goals, time horizon, liquidity needs, risk tolerance, and tax considerations.
Gregory M. Smolen, J.D.
Senior Vice President, Chief Trust & Wealth Officer
Trust & Wealth Department
Paul S. Berryman, CFP, MBA
Vice President, Wealth Advisor
Trust & Wealth Department
Important Disclosures
Investment products and services are not FDIC insured, are not deposits, are not guaranteed by Chain Bridge Bank, N.A., and may lose value.
Chain Bridge Bank, N.A. does not provide tax, legal, or accounting advice. Clients should consult their own advisors.
Chain Bridge Bank, N.A. is authorized to exercise fiduciary powers under 12 U.S.C. § 92a and 12 C.F.R. Part 9.
Discuss Wealth Management Services
To request information about the Bank’s wealth management services, contact the Trust & Wealth team.
