U.S. Trust Magazine

By U.S. Trust | Informed insights to help you pursue your financial goals.

Aging and Your Wealth

Many families delay difficult discussions until a health crisis hits. But with life expectancy on the rise and the cost of long-term care steadily increasing, the time to start the conversation may be now.<p>ISSUES RELATED TO your family's future health and wellness can have an impact on every aspect …

Investing in a low-carbon economy

There is no shortage of controversy currently surrounding global warming and climate change. With the Trump administration rolling back environmental regulations and changing course on global climate treaties, the degree of uncertainty has risen substantially. Many investors are contemplating the …

Wealth Planning for Women

The movement toward greater gender equality is creating benefits at every level of society. And investors are taking note.<p>WITH GENDER EQUALITY AND DIVERSITY under increasing scrutiny today, a growing number of people are investigating how to create gender-related change through their investments. …

Bank of America

Women And Girls Equality: A Clear Focus For Social Investing

By applying a gender lens, investors can align their portfolios with the goal of supporting gender equality while seeking attractive financial returns.<p>U.S. Trust's Women and Girls Equality Strategy uses a proprietary framework for selecting U.S. equities that consider a wide array of criteria that …

THE PHILANTHROPIC JOURNEY

What words best describe the qualities of successful entrepreneurs and business owners? Most people would include creative, hard working, demanding and optimistic. But there's another word that might not automatically make the list, yet absolutely belongs there: philanthropic.<p>Did you know that 72% …

U.S. Trust Insights on Wealth and Worth: Spotlight on Art Collecting

The <i>2017 U.S. Trust Insights on Wealth & Worth</i>® survey asked high-net-worth individuals about building a collection, inheriting art, and integrating art into a wealth strategy. The study reveals missed opportunities to realize the full value of an art collection.<p>Art holds a place of great value …

Wealth

U.S. Trust Insights on Wealth and Worth: Business Owners

The <i>2017 U.S. Trust Insights on Wealth & Worth</i>® survey examined the journey of business ownership, including four key areas: how business owners fund their companies; the strategies and challenges of growing a business; exit planning; and the ways in which business owners contribute to the greater …

Wealth

Making Globalization Work for Everyone

To check the popular revolt against trade and immigration, the benefits of globalization must be distributed more equitably.<p>Dissatisfaction with the status quo reached fever pitch in 2016, fueling populist movements that shocked the global political establishment and roiled the financial markets. …

Correlation Kookiness

When it comes to stock market correlations, investors may point to a number of long-standing “rules” that help guide their investing. Among them: Stock prices and bond prices move in opposite directions, — as do stock prices and oil prices — while stock prices and bond yields move in the same …

Finance

U.S. Productivity Growth: Miserable or Just Mismeasured?

After the global financial crisis of 2008, many economists projected that the United States economy would steadily recover, eventually returning to pre-crisis strength, or at least close to it, within a matter of years. Yet, almost a decade later, the current state of the economy continues to defy …

Finance

Globalization's Digital Future

TODAY, VOTERS, ECONOMISTS, POLICY MAKERS and investors are questioning the future of globalization and, within it, the direction of free trade: Will it reverse, with companies and manufacturers retreating from the global scene due to nationalistic impulses? Or, will it strengthen by evolving into a …

Finance

The Rise of the Machines

AMONG THE MANY EMERGING TRENDS IN THE technology sector, the rise of artificial intelligence (AI) is likely to be one of the most significant over the coming years. AI refers to the ability of machines to perform tasks that would typically be associated with human cognition such as responding to …

U.S. Trust Philanthropic Solutions: Making a Difference

The <i>2017 U.S. Trust Insights on Wealth & Worth</i>® survey affirms that the vast majority of the wealthy cite giving back to society as a priority. Today, high-net-worth individuals are motivated to contribute to society in a variety of ways, including giving, volunteering, social entrepreneurism and …

Wealth

Getting a Bigger Bang for the Infrastructure Buck

IF THERE IS ONE POINT ON WHICH Republicans and Democrats can agree it is that the United States cannot generate strong, sustainable economic growth unless it modernizes its infrastructure. The Obama administration lobbied for a massive infrastructure program to heal the U.S. economy post-financial …

The Tortoise and the Hare Cycle

2017 Update: What's Next for the Economy, Markets & Washington?<p>Our Chief Investment Office team discusses the outlook for equities and bonds, Fed policy and interest rates, global growth and where Washington could make progress on policy<p>As we close out the first half of 2017, global equity markets …

U.S. Trust Philanthropic Solutions: MAKING IT YOUR MISSION

The Philanthropic Solutions team at U.S. Trust is committed to making your philanthropic endeavors more effective, efficient, and personally fulfilling. Drawing on our deep resources and experience in philanthropy, we can work with you to design, implement, and evaluate your philanthropic plan to …

Reaping What We Compute: The Future of Technology in Agriculture

A trip to a modern American farm employing precision agriculture techniques would likely impress even the most discerning gadget enthusiasts: self-driving tractors, mobile command centers of tablet computers constantly beaming information to the cloud for analysis and real-time decision making, …

Agriculture

ESTATE ADMINISTRATION IN THE DIGITAL ERA

WHAT ARE DIGITAL ASSETS?<p>Digital assets typically exist only in electronic form and may have monetary value. As executor, you should keep an eye open for evidence of these assets when inspecting a decedent's electronic devices or online storage accounts.<p>Digital assets can extend to ownership of …

Bank of America

2017 Insights on Wealth and Worth®

<b>Generations collide and unite in this year's study.</b><p>In the 2017 <i>U.S. Trust Insights on Wealth and Worth</i>® survey, we asked over 800 high-net-worth individuals their thoughts on investing, the workplace, family relationships, philanthropy and more.<p>A generational shiſt is now more apparent than ever. …

Wealth

Bank of America Commits to Carbon Neutrality by 2020

The purchase of 100% renewable electricity and a 40% cut in energy use are part of the bank’s plan.<p>Bank of America recently strengthened its long-standing commitment to a better world. This past September, the bank announced new operational goals that it expects to meet by 2020, including plans to …

Bank of America

Financial Empowerment: It’s a Woman Thing

U.S. Trust seminars show that women can bolster their financial acumen by tapping a powerful but underutilized resource — each other.<p>Knowledge is power, the adage goes, but according to one study of women’s financial challenges and goals, it does not translate into confidence. Conducted by the …

Arts Calendar 2017

Upcoming events from Bank of America's Arts & Culture program<p>Bank of America‘s Arts & Culture program seeks to engage individuals, communities, corporations and cultures in creative ways to build mutual respect and understanding worldwide. The program also helps the bank fulfill its …

Technology Gives Healthcare an Adrenaline Shot

With technology generating futuristic advances, look for investment opportunities within healthcare — and beyond.<p>The silicon chip and the stethoscope have long gone hand in hand. Indeed, Moore’s Law, a widely used forecast of rising computing power, can often seem to be nudging healthcare into the …

Bank of America

The Growing Adoption of Wind Power

This month's U.S. employment report reinforced a familiar trend in the current expansion, with the healthcare sector among the leading contributors to non-farm payroll growth in February. In absolute terms, healthcare has delivered the most in employment gains over the course of the cycle so far …

Anchored by Discipline and Patience

Strict adherence to its investment process and a long-term time horizon have paid dividends for Schafer Cullen Capital Management and its clients.<p>As a young naval officer on the U.S.S. Essex, Jim Cullen learned that in a fogged-in harbor, a skilled navigator could pilot the 27,000-ton aircraft …

Getting Your Giving Right

Adopting philanthropic best practices can make one’s charitable giving both more impactful and more satisfying.<p><i>“To give away money is an easy matter and in any man’s power. But to decide to whom to give it and how large and when and for what purpose and how is neither in every man’s power nor an</i> …

Philanthropy

Art in a New World

The art market is attracting new buyers and changing attitudes toward art as a part of an overall financial portfolio.<p>From baroque and romantic to surrealist and modern, the world of fine art has a long history of innovation, with artists constantly exploring new ways to express their experiences …

Finance

U.S. Trust Focuses on Impact Investing

A primer, a web page and more — all designed to help you on your journey to doing good while doing well.<p>Investing for impact has long been a top priority at U.S. Trust. For years we’ve offered investment approaches that seek to make beneficial social and environmental changes without sacrificing …

Putting the Success in Your Succession Plan

5 steps to ensure that the transfer or sale of your business is right for you, your business and your family.<p>Succeeding in business requires sound decision making guided by logic and objective analysis of the facts. That said, many business owners say their best decisions are the ones made on …

Small Business