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 financial professionals home in on what matters most to you and establish steps to align behaviors with plans so you can get what you want.

Your financial professional 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

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 team of financial professionals 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.

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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

Financial planning services are offered by UMB Private Wealth Management and UMB Financial Services, Inc. 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 Bank, n.a., is a subsidiary of UMB Financial Corporation. UMB Financial Services, Inc.is a wholly-owned subsidiary of UMB Financial Corporation and an affiliate of UMB Bank, n.a.

Securities are offered through UMB Financial Services, Inc. member FINRA, SIPC, or UMB Private Wealth Management.

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

Securities and insurance products are: NOT FDIC INSURED • NO BANK GUARANTEE • NOT A DEPOSIT • NOT INSURED BY ANY GOVERNMENT AGENCY • MAY LOSE VALUE