Private Wealth Management

Private Banking
Goldman Sachs offers a full range of private banking services, allowing high-net-worth clients to consolidate the management of their financial assets with one firm and to maximize their access to flexible financing alternatives. Some of the more prominent services include:

• Loans to finance our clients' investment activities and personal needs
• Deposit products at highly competitive rates
• Payment services without fees that minimize idle funds

Our Private Banking services offer the flexibility to leverage assets and other sources of repayment to meet cash flow and borrowing needs. Additionally, we integrate all of the banking services with our investment capabilities and provide clients with the enhanced control and convenience of managing their entire wealth on one consolidated Web site and one monthly statement.

Trust Company
We have built what we expect will be the model for a truly modern, 21st century trust organization. Along with superior service, The Goldman Sachs Trust Company provides clients a full range of traditional trust and estate administration and related services, including:

• Sophisticated diversification, risk and tax management
• Specialized global investment expertise
• Experienced trust professionals
• Administration and implementation of innovative wealth-transfer structures
• Unique investment vehicles, where appropriate
• Open architecture for separate accounts (i.e. the ability to offer and monitor non-Goldman Sachs asset managers, where appropriate)

The services offered by The Goldman Sachs Trust Company are provided by The Goldman Sachs Trust Company, N.A., The Goldman Sachs Trust Company of Delaware or one of its affiliates.

Financial Counseling
With Goldman Sachs’ acquisition in 2003 of the Ayco Company, L.P., we added financial counseling to our roster of traditional investment advisory services, including:

• Executive benefits and compensation
• Estate planning
• Income tax planning and preparation
• Philanthropic planning
• Risk management
• Cash-flow/retirement planning
• Multi-family office service
• Highly sophisticated wealth-transfer strategies