Private Banking

As an individual investment advisor, we provide a wide range of private banking services to help you manage your finances. We are your Maine-based partner with worldwide access to deposit, lending, investment, tax and insurance services for you or your business.

Our network of financial service providers includes relationships with the Bank of New York and hundreds of other banks, enabling us to serve all of your financial needs with the utmost care and attention. A partial listing of our comprehensive service offerings includes:

· Cash Management Services— If you seek liquidity and flexibility, we can design a cash management program that delivers competitive yields while providing you with access to your short-term cash reserves. We offer reserve funds, certificates of deposit, and money fund sweep vehicles that enable you to sweep uninvested cash daily to a wide range of money market funds. Investors can also transfer funds from bank accounts to brokerage accounts conveniently via telephone.

· Mortgages— Whether you are buying a primary home or vacation getaway, we can provide a variety of lending solutions, such as first mortgages, second mortgages, refinancing, and home equity loans. We have access to competitive rates for mortgages and associated fees, such as closing costs and appraisals. Fixed, adjustable, or interest-only options are available.

· Line of Credit— Leverage the assets in your portfolio to establish a convenient, competitive line of credit for your personal or business needs, providing financial flexibility and access.

· Checking Accounts — We can set up your account with convenient check-writing services.

· Online Bill Payment— Simplify your personal and business finances with online bill payment, another service we can set up for you.

· Credit and Debit Cards — Our relationships with hundreds of financial institutions provides you with many options, services and competitive rates/fees for American Express, Visa, and Mastercard accounts.

· Online Account Information — Through our NetExchange Client, you can access trades, news, and information about your account 24 hours a day.

· IRA Accounts — We can set up traditional, rollover or spousal Individual Retirement Accounts (IRAs). If you are over 59½ and have an IRA account, we can arrange for check-writing privileges against available funds in that account.

· 529 and College Savings Accounts— A variety of college education savings accounts are available, including 529 plans. We can help you find the ones most suitable for your education planning goals.

· Automatic Dividend Reinvestment— Increase the value of your portfolio through automatic reinvestment of your dividends and capital gains. We can set up a program to purchase additional whole or fractional shares of your securities.

· Fund Transfer — Easily transfer funds from your checking account to your brokerage account with our fund transfer service, available 24 hours a day, seven days a week.

· Insurance — We are a registered insurance agency and can advise on a variety of personal or business policies, including auto, life, disability, and long-term care.

· Asset Management— You can combine all of your brokerage, checking, money market and debit card activity into one account. A comprehensive, easy-to-read monthly statement outlines all of your recent account activity and provides a clear overall financial picture.

At Richard Brothers Financial Advisors, we spend the time getting to know you and your goals. Our investment advisors have the expertise and the resources to serve all of your private banking needs and ensure your continued financial success.

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