Trust & Asset Management
Managing and preserving your assets can be challenging and that's where we can help. Many individuals and families turn to us for expert guidance. Our Trust and Asset Management professionals are ready to work with you to develop a plan that is customized for your goals and lifestyle. We have a long history of providing reliable, unbiased advice and offer a high level of integrity and personalized service that you can count on for your asset management needs.
When it comes to protecting and transferring assets, trusts are among the most valuable tools available to you. Within certain limits set by law, trusts allow you remarkable flexibility in how you use and disburse assets while living and after death. A trust can help you control your financial
- Reducing taxes
- Providing for your family, friends and/or charities
- Supporting an elderly relative
- Creating future security for disabled loved ones
- Keeping your personal financial matters out of the public eye
- Transferring assets to a younger generation
- Simplify your life
The Financial Group Trust Officers, in their fiduciary capacity, ensure that your account is administered according to your desires or consistent with the terms of your governing instrument. We understand that being a trustee requires the technical experience of objectively interpreting documents and implementing tax sensitive strategies. We do so, however with respect for your intentions and a compassion for the unique nature of each client's family and their circumstances.
As your trustee, we are legally bound to follow your instructions to the letter. Our skill in trust administration ensures that you and your beneficiaries will receive professional asset management and comprehensive administrative services of the highest quality.
In addition to acting as trustee, Martha's Vineyard Financial Group offers a full array of estate settlement services. As executor we have the experience to handle both the technical and complex issues that arise in settling an estate as well as sensitivity in meeting your family's needs during difficult times.
Managing an investment portfolio can often be a full-time job - and you may not have the time or the motivation to do it as well as it should be done. What's more, you instinctively understand how important it is to have an investment strategy that is tailored precisely to your needs and goals.
It takes a lot of effort and dedication to choose investments and to track their performance. And not everyone has the time or the confidence to manage an investment portfolio. That's where we come in. Our team of experienced professionals:
- Sit down with you and learn about your needs, your hopes, and your plans for the future
- Talk with you about your current financial situation and what it is you wish to achieve with your investments
- Determine your ability to tolerate investment risk
- Design a personalized investment plan for you
Then we'll go to work on your behalf. Our professionals can offer you a range of investment and administrative services that can free you up to concentrate on doing what you want to do.
At Martha's Vineyard Financial Group, investment decisions made by our team of professionals are always:
Disciplined. We identify opportunities in up and down markets and act on them quickly to keep your portfolio earning the best possible returns in all types of investing climates.
Fact-based. We do careful research before we make recommendations. We look for proven investments that fall within your risk tolerance guidelines.
Unbiased. We help you choose the securities that are right for you, based on our understanding of your needs and goals. We do not let any other factors or considerations distract us from this objective.
Performance-oriented. Your financial welfare is our primary concern. We focus our efforts on making sure our relationship with you is productive, satisfying and built on trust.
Planning an estate is a demanding job, requiring in-depth knowledge of legal, financial and tax issues, along with a commitment to faithfully fulfilling a client's wishes.
Martha's Vineyard Financial Group offers a wide range of estate planning services for individuals and families, from highly sophisticated tax and estate planning to serving as experienced trustee or executor.
Our Trust Officers will meet with you to analyze your total financial situation and advise you on the options for planning your trust and estate needs. We will structure a plan to help you reach your goals.
We will coordinate our recommendations with the advice of your attorney to produce the estate and trust plan most appropriate to you and your family's needs.
Our Trust and Estate Services include:
- Estate Planning
- Estate Administration and Settlement
- Testamentary/Living Trusts
- Guardian and Conservator Services
- Supplemental Needs Trusts
- Bill Paying Services
- And more...
As your executor or trustee, the bank in consultation with appropriate family and professional advisors, executes the plan you have created. We provide complete investment and tax management services to your estate or trust as well as management of real estate, family businesses and special or supplemental needs trusts. Our post mortem tax and administrative planning typically saves significant value for your estate.
Everything changes the day you retire. That's when you have to turn your savings into a sustainable retirement income stream. The best time to start that process is before you need the money because how and where you save will have a direct impact on how you tap into those assets when you need them.
You've worked hard during your career. Soon you'll be able to retire and begin a new, rewarding phase of your life. Before you reach retirement, think about how you want to spend your time, what you want to accomplish, and how your finances will be affected. While you're planning, ask yourself the following questions:
- Where will I/we live?
- How will I spend my time?
- When should I start drawing Social Security?
- What about health insurance?
- Is my retirement income in order?
Our team of professional advisors can discuss your plans for retirement with you in more detail and help you determine which options best suit your circumstances.
Retirement Income & Investing During Retirement
The transition from working and receiving a salary to being retired and living on your savings - and any other retirement income you may have - is a major one. It is likely to be the biggest financial adjustment you'll face. How you manage your retirement assets may be a key factor in determining the lifestyle you're able to enjoy.
A combination of prudent planning and wise investment and tax strategies can help you successfully mange your retirement income - and ensure that your retirement goals will be met.
Investing during your retirement years is different than investing for retirement. In retirement, your investment priority may shift from asset growth to income production. Losses are a greater concern because you no longer have earned income you can save to help make up those losses. And you have less time for your investments to recover from market downturns. So you need to take a different approach to investing than you did during your working days.
We can help you assess your risk tolerance and review your asset allocation to help make sure your retirement portfolio is right for you.
For more information on any of these investment services, please contact the Financial Group at
Brokerage and Investment Services
The professionals at Martha’s Vineyard Financial Group provide sound, objective estate planning and financial advice tailored to your personal short- and long-term goals. We cultivate a personal approach to asset management underscored by a well-defined investment process, exceptional products, and a commitment to the highest level of service. All of our experienced professionals are grounded in an unwavering commitment to our clients.
Using our access to highly respected research firms, we help you select the right investment vehicle or mix of products that can maximize the benefits of your plan. The plan could include all or some of the following investment and insurance opportunities offered through Infinex Investments, Inc.:
- Stocks - All stocks listed on the New York, American, OTC, and foreign exchanges
- Bonds - Tax-free municipal, U.S., foreign government, and corporate
- Mutual Funds - Choose from over 11,000 different funds
- Institutional Money Managers - Portfolios managed by well-known Institutional Managers
- Tax-Deferred Annuities - Dividends, interest, and capital gains grow tax-free until withdrawn (offered through Infinex Insurance Agency of Massachusetts, Inc.)
- Life Insurance and Long-Term Care Insurance (offered through Infinex Insurance Agency of Massachusetts, Inc.)
These products and services are not FDIC insured, and are not deposits or obligations of nor guaranteed by the Martha's Vineyard Financial Group or Martha's Vineyard Savings Bank. These products are subject to investment risk, including possible loss of value.