Private banking
A banker who knows your position without being briefed each time
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HBI Group
Wealth & Private Banking
Managing what you have built, and what comes after it
Wealth
One relationship, one fee, in writing
Private banking, discretionary portfolios, retirement and fiduciary services under one relationship — with a single all-in fee stated in dollars.
Wealth clients deal with one named banker across banking, credit, investments and fiduciary matters. That person knows your full position and does not need to be briefed each time you call.
We charge a single annual fee stated in dollars, take no commission from product providers, and manage every portfolio to a mandate you have read and signed.
Products & services
All 6 wealth products
Each page carries its own fees, rates, qualifying conditions and questions.
Investments & portfolio management
One annual fee, stated in dollars, with no performance fee
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Retirement & annuities
Getting to retirement, and making it last once you are there
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International banking
Accounts, investments and currency outside the United States, done properly
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Fiduciary, trusts & estate planning
Deciding now what happens later, and writing it down properly
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Life, home & auto insurance
Coverage you can claim on from the app, with the turnaround published
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How we work
One fee, stated in dollars
We charge a single all-in annual advisory fee on assets under management. No performance fee, no commissions from product providers, and no transaction charges that reward churning a portfolio.
Every portfolio runs to a written mandate you sign, setting out the objective, the risk budget, the allocation ranges and what we may and may not buy.
- Quarterly reporting net of all fees against your mandate benchmark
- Investments held in your own name, not pooled
- Free will drafting and custody when HBI Trust Company is named as executor
Wealth
By the numbers
0.45%
Lowest all-in annual advisory fee
None
Performance fees charged, on any mandate
$250k
Published income threshold for private banking
2 yrs
Fiduciary review cycle, included
Where to start
Grouped by what you are trying to do
If you are not sure which product you need, start from the problem rather than the product name.
Private banking
A named banker, consolidated reporting and credit against an illiquid balance sheet.
Investments
Discretionary and advisory portfolios managed to a written mandate.
Retirement
IRAs, rollovers, retirement income and annuities.
Fiduciary & estate
Wills, trusts, estate administration and succession across jurisdictions.
Good to know
How we look after you
Reported after fees
Performance is shown quarterly, net of every fee, against the benchmark in your mandate. Gross figures sit beside it so you can see what the fee costs.
Held in your name
Investments are registered to you with an independent custodian. They are not on our balance sheet and are not available to our creditors.
Reviewed on a schedule
Your mandate is reviewed every year and your will and structures every two, or sooner after a marriage, a death, a sale or a move abroad.
Wealth
Ready when you are
Open an account online in about ten minutes, or sign in if you already bank with us.