Leaving a legacy to last for generations

There’s something very Texan about the desire to leave a solid legacy. As a bank that’s advised generations of Texans on the prudent management and distribution of their trusts and estates, we understand what it takes to ensure that legacy. Along with specialized services and strategies, we offer the peace of mind that comes from knowing your financial affairs are being properly and safely managed.

 

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More About Trusts

TRUST SERVICES

Every family has specific needs and financial goals. These unique situations call for specialized solutions.

A trust can be beneficial in achieving goals such as:

  • Financing a child or grandchild’s education
  • Supporting an elderly relative or descendants
  • Making charitable bequests
  • Saving on estate taxes
  • Managing your assets if you become disabled
  • Providing investment management for your family after your death

  • Living Trusts

    You can enjoy all of the advantages of professional investment management as well as bill-paying services, payments for support needs in the event of a disability, and ultimate distribution of your financial assets outside of probate with a living trust administered by Jefferson Bank.

  • Testamentary Trusts

    When you leave your assets in a trust, you are providing your heirs with professional management as well as the astute judgment of our trust professionals in evaluating distribution requests. Using a trust can provide a means for regular support payments for your heirs while shielding the assets from creditors. The assets can ultimately pass outside of the heir’s estate, creating a multi-generational wealth transfer.

  • Estate Planning & Administration

    Estates

    Every financial plan should include careful estate planning. Whether for the purpose of eliminating or minimizing estate taxes, providing for multi-generational wealth transfer and management, or fulfilling philanthropic intentions, we will work with you and your legal and tax advisors to translate your long-term goals into specific strategies.

    Selecting an executor for your estate is a very serious decision. The executor will manage the distribution of wealth you have worked a lifetime to acquire. Serving as an executor requires technical skills, financial knowledge, experience and the ability to work effectively with the family members involved. In naming Jefferson Bank as your executor, you can rely on our expertise, competency, and compassion to provide knowledgeable, efficient and impartial administration of your estate, while relieving your family of burdens and responsibilities.

    When named as your executor, we’ll administer your estate and guide it through the complexities of probate. Our estate managers understand how to balance objectivity and sensitivity while handling the responsibilities of a fiduciary. Working with your legal and tax advisors, we can attend to probate matters and tax filings as we distribute your estate according to your wishes.

  • Oil, Gas & Minerals

    For more than 70 years, we’ve been a partner to generations of South Texas families by offering a full spectrum of wealth management services, delivered with the personal attention and integrity that is the hallmark of Jefferson Bank.

    Jefferson Bank Oil and Gas Asset Management specialists offer expert guidance in:

    • Lease Negotiation
    • Marketing
    • Lease and Division Order Analysis
    • Revenue and Expense Monitoring
    • Use of our proprietary software and app

  • Real Estate

    As an experienced fiduciary, we implement management strategies for commercial and residential properties held in fiduciary accounts. We excel at all phases of real estate—acquiring, managing and selling.

    Management oversight allows us to purchase and sell property; to obtain and monitor insurance coverage; to conduct regular on-site inspections; to contract repairs and maintenance including residential modification for special needs; to coordinate the payment of taxes, bills, and assessments; to negotiate and enforce leases or rental agreements and to collect payments.

  • Charitable Gifting

    Supporting causes, organizations and charities you believe in is not only philanthropic, but a smart financial strategy if properly planned and executed. Charitable remainder trusts are a flexible financial and tax-planning tool. Private and charitable interests in the trust must be balanced carefully, taking into consideration the tax consequences of choices made. Properly planned giving can provide:

    • Income tax reduction
    • Reliable income for life
    • Tax deferral on built in gains
    • The creation of a legacy

Wealth Management & Financial Planning

Investment Management

By tailoring investment objectives and securities selections to your specific needs and drawing on the wealth of investment expertise available to us, Jefferson Bank can build and manage a portfolio for your investment account or IRA that will be right for you, both now and in the future.

We can help maximize the benefits of all types of investments:

  • Equities
  • Fixed-income securities
  • Tax-free bonds
  • Mutual funds
  • Notes and mortgages
  • Mineral interests
  • Real estate

We will strive to maximize your investment returns within the guidelines that we establish together for your portfolio. We will implement your investment program only after we understand your investment objectives and create an investment policy especially for you1.

Individual Retirement Accounts (IRAs)

Jefferson Bank can provide investment management for your IRA holdings as well as your non-retirement assets. IRAs can require strategies to meet mandatory distribution requirements and avoid punitive tax consequences.

Custody Services

Jefferson Bank can serve as custodian of your investment assets while you or your investment counsel retain authority over investment decisions. As your custodian, we’ll collect investment income and make transfers to you on request. You’ll receive one convenient statement showing all holdings and transactions, plus all necessary tax information.

A Texas Legacy of Service and Trust

When you work with Jefferson Bank for Trust and Estate Management, you will have access to talented professionals who act at all times to fulfill the wishes of those whose property we manage. As a neutral third party, we manage assets to protect both current and future beneficiaries and deal with unforeseen emergencies as well as routine financial management duties. Our clients are our top priority. We are always available to give you the attention you deserve.

 

Call us today at (210) 736-7829 to start building your legacy.

 

For more than 70 years, we have provided generations of South Texas families with a full spectrum of wealth management services, delivered with the personal attention and integrity that is the hallmark of Jefferson Bank.
 

Notices & Disclosures

The information contained herein is for information purposes only, is not designed to address your financial situation or particular needs and does not constitute the rendering of tax or legal advice. You should consult with your tax advisor or attorney for advice pertinent to your personal situation.

1 Investment products: Not FDIC insured. Not Bank guaranteed. May lose value.