Beyond managing day-to-day operations, running a business also means planning for growth, protecting your assets, and making strategic decisions that set you and your business up for long-term success. Good news! You don't have to do it alone. Fremont Bank Financial Advisors can help.
While many business owners associate financial advisors with personal wealth management, the truth is that financial advisors, trust and estate experts, and private bankers can play an important role in helping a business thrive: managing cash flow and employee benefits, planning for succession, explaining valuation, and even preparing for a sale. The right advisor can provide guidance, coordination, and expertise you want for your business.
AT A GLANCE
- A Private Banker acts as a highly responsive, single point of contact to help with all the moving parts of running a small business.
- A Certified Financial Planner (CFP) offers broad financial planning, including business valuations, succession planning, risk management, retirement plans and tax-smart strategies.
- A Trust and Estates Services expert knows how a business fits into the big picture of an estate by ensuring business, family, and personal wealth are all protected.
How a private banker can help your business
From handling complex transactions to offering guidance as your business evolves, a Fremont Bank Private Banker ensures you have a single point of contact who knows your goals and coordinates all the support you need under one roof.
Dara Rocchi, Vice President, Wealth Management Private Banker, likens the role of a Private Banker to a small business banking quarterback. Our experienced Private Bankers are ready to help with all the moving parts of running a small business. Their deep expertise and coordination of other specialists make banking more straightforward, more strategic, and genuinely personal.
Just as a quarterback calls the plays and relies on their team to execute, a Private Banker brings in experts across:
- wealth management
- trust and estate services
- business evaluation
- buy-sell agreements
- and so much more.
Your Fremont Bank Private Banker knows you, understands your business, and can quickly mobilize the right resources to solve problems or answer questions. It's a concierge-level service tailored to businesses like yours. That personalized approach can make all the difference. It's banking designed to grow with your business — efficient, strategic, and personal. "You'll call us directly, and we'll answer," said Dara.
How a financial planner can help your business
Our Financial Planners partner with business owners to take some of the weight off your shoulders, offering guidance that goes well beyond your business account. Matthew Weaver, Vice President, LPL Financial Advisor, shared four key ways we can help.
- Business valuations and succession planning
We connect clients with our vetted, trusted partners for business valuations — a key step whether you're preparing for succession, considering a sale, or planning to pass ownership to family or employees. When the time comes, we can even help find buyers. - Risk management and protection
From buy-sell agreements to key-person insurance, we help owners protect their businesses and families from unexpected events. Ensuring continuity and financial stability brings invaluable peace of mind in the face of challenges. - Retirement plans
With new California rules requiring certain businesses to offer retirement plans, owners looking for better options than the state-sponsored default don’t know where to start. We help set up and manage 401(k) plans, improve existing plans by lowering fees and expanding investment options, and provide employee education to boost participation. - Tax-smart strategies
Specialized retirement and benefit plans can help business owners find tax savings while still building long-term wealth, but many business owners wouldn't know where to start. We've got experience with these strategies, which often double as estate planning tools.
Our Financial Advisors also support business owners with personal investments, tax planning, and real estate strategies, so your complete financial picture is covered.
How a trust and estate services expert can help your business
Owners need a clear plan for how a business fits into the bigger picture of their estate. A trust and estate services expert helps ensure your business, family, and personal wealth are protected — for the unexpected and the long term.
One of the first steps is understanding what your business is worth. "Business owners often don't know what their business is truly worth," said Leandro Vicuña, JD, Head of Trust & Estates. "Without a clear valuation, it's hard to make informed decisions about growth or exit strategies."
Accurate valuations matter not only for succession planning or a future sale, but also for gifting shares to family members or employees. From there, estate specialists can guide you through strategies like buy-sell agreements, key-person insurance, or trusts that safeguard both the business and your heirs.
Trust and estate services also open the door to tax-efficient planning. By coordinating retirement strategies, defined benefit plans, and estate structures, business owners can often save (sometimes hundreds of thousands of dollars) in taxes while creating a smooth path for transferring wealth.
Engaging with a Trust & Estate Services expert from Fremont Bank helps ensure that your business is more than just successful today — it's prepared to support your family and future generations tomorrow.
The Fremont Bank Business Banking Difference
Unlike national banks, we combine the resources and sophistication of a trusted institution with the personal touch of a community bank. You'll find the same level of expertise you'd expect from Wall Street — but with local advisors who know your name, understand your business, and are invested in your success.
Wealth management and investment services provided through Fremont Bank are:
| NOT A BANK DEPOSIT | NOT GUARANTEED BY THE BANK | MAY LOSE VALUE |
| NOT FDIC-INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY |
