Wealth Planning

Everything we do starts with understanding your story.

We believe in an active financial planning process that delivers a comprehensive view of your financial journey—with conversations and support at every turn.

Wealth Planning

Everything we do starts with understanding your story.

We believe in an active financial planning process that delivers a comprehensive view of your financial journey—with conversations and support at every turn.

Wealth planning unique to you

Your needs evolve over time, and we work closely with you to build a holistic strategy that aligns with your short- and long-term plans.

Build wealth with the right tools

Our financial planning services and resources can help set you on the right path to wealth accumulation, preservation and protection.

Anytime access to align with your lifestyle

Manage your progress and plans on your time with UMB's 360Direct, online banking and the UMB Mobile Banking App.

What to expect with financial planning

Strategic financial planning is essential to maintaining peace of mind as you move through the ever-changing stages and events of your life. Your UMB experience will begin with an evaluation of your personal and financial circumstances so we can understand where you are now and where you want to be.

Getting to know you

Financial plans are tailored to you—there is no one-size-fits-all strategy—and customization provides the detail and tactics that help you manage your wealth. UMB advisors hone in on what matters most to you and establish steps to align behaviors with plans so you can get what you want.

Your advisor will help you discover your areas of strength and identify any areas you may improve upon to maximize success. Whether you want to optimize your lifestyle, establish your legacy or build your wealth, we can offer personalized service and support.

Access to a specialized team

At UMB, your financial journey is our focus. That means your specialized team will provide the experience, support and one-on-one guidance to help you make savvy and sound financial choices. You will have access to specialists in a variety of industries—from investments and trusts to retirement and estate management—to ensure you receive the attention, expertise and personalization you deserve.

  • Personal financial review
  • Wealth accumulation strategies
  • Asset preservation
  • Estate planning
  • Retirement planning
  • Advanced tax strategies
  • Insurance planning*
  • Business exit planning

*Insurance products provided by UMB Insurance, Inc., a subsidiary of UMB Bank, n.a. but a separate company from the bank.

How financial planning works

To help you prepare for your financial consultation, below are some steps you can expect once you connect with UMB.

  • Your UMB advisor and team will set time to introduce themselves and get to know you.
  • An interview will provide an in-depth review of your current spending and saving habits to help establish your plan’s baseline.
  • Your team will take stock of all of your current assets, debts and income to determine the variables that can influence your plan’s success.
  • Once your foundational plan is documented, your advisor will help you identify concerns, passions, plans, issues and more—all of which will shape your financial journey.
  • Short- and long-term goal mapping and execution are the final stages to creating a action-oriented plan.

A full-view into your financial picture with UMB 360Direct®

With your UMB online account dashboard, you can see all your financial accounts--from UMB accounts to accounts at other banks, as well as investments, retirement accounts and more. Designed with you in mind, UMB 360Direct equips you with data to ensure your plan is tailored precisely to you.

Account management built for your goals

With UMB’s Decision Center, you can input a variety of choices and variables that are on the table for your financial plan. The tool will then provide a forecast for how these variables could impact your goals or change your financial picture.

Personalize your dashboard with photos and items that help your keep the most important things front and center—whether it’s goal-oriented or family-focused.

Features that optimize your financial plan

  • Track and monitor balances daily
  • Safely store important financial and legal documents in one location
  • Experience interactive and detailed views of your financial assets, including proactive account activity alerts
  • Collaborate remotely online with your advisor
  • Analyze investments across accounts
  • Access on your time, on any device

Financial planning is a marathon, not a sprint

Much like running a marathon is different than a sprint, planning long-term financial goals is different than simply paying your bills every month.



Establishing a trust: Planning for the future intention

Every legacy is unique; there is not a “one size fits all” approach to the creation of an estate plan. With every estate plan, which might include one or more trusts, understanding the goals of the family or business is critical.

Custom portfolio construction and management

We deliver a full-service experience with a dedicated wealth advisor team providing customized investment guidance based on your goals.

Learn more

Trust and estate planning

You’ve spent a lifetime achieving your dreams and growing your assets. Naturally, you’d like to have control over the future of your hard-earned capital.

Learn more

UMB Private Wealth Management is a division within UMB Bank, n.a. that manages active portfolios for individuals, fiduciary accounts, employee benefit plans, endowments and foundations. UMB Financial Services, Inc.* is a wholly-owned subsidiary of UMB Financial Corporation and an affiliate of UMB Bank, n.a. UMB Bank, n.a., is a subsidiary of UMB Financial Corporation. Banking and trust services offered through UMB Private Wealth Management, a division within UMB Bank, n.a. This report is provided for informational purposes only and contains no investment advice or recommendations to buy or sell any specific securities. Statements in this report are based on the opinions of UMB Private Wealth Management and the information available at the time this report was published. All opinions represent our judgments as of the date of this report and are subject to change at any time without notice. You should not use this report as a substitute for your own judgment, and you should consult professional advisors before making any tax, legal, financial planning or investment decisions. This report contains no investment recommendations and you should not interpret the statements in this report as investment, tax, legal, or financial planning advice. UMB Private Wealth Management obtained information used in this report from third-party sources it believes to be reliable, but this information is not necessarily comprehensive and UMB Private Wealth Management does not guarantee that it is accurate. All investments involve risk, including the possible loss of principal. This information is not intended to be a forecast of future events and this is no guarantee of any future results. Neither UMB Private Wealth Management nor its affiliates, directors, officers, employees or agents accepts any liability for any loss or damage arising out of your use of all or any part of this report.

"UMB" – Reg. U.S. Pat. & Tm. Off. Copyright © 2020. UMB Financial Corporation. All Rights Reserved.

*Securities offered through UMB Financial Services, Inc. member FINRA, SIPC, or the Investment Banking Division of UMB Bank, n.a.

Insurance products offered through UMB Insurance, Inc. You may not have an account with all of these entities. Contact your UMB representative if you have any questions.