Trust & Wealth Management

Thoughtful guidance for the Future, Grounded in Trust.






*This product is not insured by the FDIC. This product is not a deposit and may lose value.
 

More than Banking

Thoughtful Guidance for the future, grounded in trust.

Your legacy is more than your wealth—it is your story, your values, and the impact you leave behind. At Western Commerce Bank, we offer personalized strategies to help you preserve what matters most and plan for the future with confidence, care, and intention.

*Fees apply for legacy planning services. Our Trust Department will walk you through the details and provide a personalized quote based on your unique situation.
 
 

Trusts

 
Personal Trusts
A Personal Trust offers peace of mind, helping you protect what you have built and ensure it is carried forward to the people and causes you care about most. At Western Commerce Bank, our Team works closely with you to create a plan that reflects your goals, values, and legacy.
Definition How It Works Why People Choose It
A Personal Trust is a way to manage and protect your assets during your life and ensure a smooth transfer to your chosen beneficiaries. You appoint a trustee, like WCB’s Trust Department, to manage assets based on your instructions. You can define how and when distributions are made. Offers peace of mind, protects loved ones, avoids probate, and provides flexibility to personalize your legacy.

For personalized guidance, contact our Trust Department at 575-396-2831
 
 
Stand-By Trusts
A Stand-By Trust offers the best of both worlds. The freedom to manage your assets now, with the confidence of knowing a personalized plan is in place should life take an unexpected turn. Our Team provides discreet, seamless support when it matters most.
Definition How It Works Why People Choose It
A stand-by trust is a revocable living trust created in advance but not actively used to manage assets until a specific event occurs. You continue to manage your property as usual, but the trust “activates” when needed.
  • While you are healthy and capable, you retain full control over your assets as Trustee once assets are transferred to the trust.
  • If you become incapacitated, ill, or simply decide you no longer want to manage things yourself, the successor trustee (possibly Western Commerce Bank) steps in to handle your financial affairs.
  • Because the trust already exists, there is no delay or legal hurdle when transferring oversight — it is seamless.
  • Flexibility → You manage your finances as you normally would.
  • Peace of mind → A safety net is already in place if needed.

  • Continuity → Ensures bills, investments, and assets are handled smoothly.

  • Privacy → Unlike probate, a stand-by trust allows for discreet management of your estate if needed.

For personalized guidance, contact our Trust Department at 575-396-2831
 
 
Insurance Trusts (ILIT)
An Insurance Trust ensures your life insurance benefits are managed and distributed seamlessly, giving you peace of mind and your loved ones financial security.
Definition How It Works Why People Choose It
An insurance trust is a legal entity that owns your life insurance policy and manages the payout from that policy after your death, based on instructions you set in advance.
  • You create the trust and name a trustee (like WCB’s Trust Department).
  • The trust owns your life insurance policy — not you personally.
  • When you pass away, the death benefit is paid directly to the trust.
  • The trustee then distributes the funds according to your instructions — for example, to provide income to a spouse, pay estate taxes, or fund education for children or grandchildren.
  • Reduce estate taxes → Life insurance proceeds may not be included in your taxable estate.

  • Control distribution → You determine who receives the funds and under which circumstances.

  • Protect beneficiaries → Prevents lump-sum payouts to young heirs or financially inexperienced beneficiaries.

  • Privacy → Keeps policy details and payouts out of probate.

For personalized guidance, contact our Trust Department at 575-396-2831
 

Estate Settlement

Estate settlement is about more than managing assets, it is about protecting a lifetime of work and carrying forward a legacy. Our Trust Department offers personalized, discreet administration, ensuring every detail is handled with precision and respect.
 
How we can assist you:
 
  • Acting as Executor or Personal Representative
    Our Team can manage the entire estate settlement process on your behalf, handling every detail with care and discretion.

  • Safeguarding and Managing Assets
    From real estate to investments, we ensure assets are valued, protected, and handled according to your instructions.

  • Paying Debts, Expenses, and Taxes
    We coordinate payments and filings to simplify a complex process and reduce stress for your loved ones.

  • Working Closely With Attorneys and Beneficiaries
    Our team collaborates seamlessly with your advisors and heirs to make sure everyone’s needs are respected.

  • Distributing Assets According to Your Wishes
    We ensure your legacy is carried forward exactly as you instruct in your will, with precision and care.
 

Other Services

Bill Pay Agency Accounts

A bill pay agency account offers convenience and peace of mind by allowing our Trust Department to manage your recurring expenses and income. We handle the details so you can focus on what matters most.

Have questions about this service? Connect with our Trust Department at 575-396-2831


Investment Agency Accounts

An investment agency account gives you personalized investment management without the need for a trust. Our Trust Department works closely with you to create and manage a strategy that aligns with your goals, offering expert oversight and peace of mind.

Have questions about this service? Connect with our Trust Dept at 575-396-2831


Self-Directed Trusteed IRA Accounts

A self-directed trusteed IRA gives you the freedom to choose how your retirement funds are invested while our Trust Department provides secure oversight, reporting, and guidance. It is a flexible way to grow your wealth while keeping your legacy goals in focus.

Have questions about this service? Connect with our Trust Department at 575-396-2831


Oil & Gas Management

Managing oil, gas, and mineral interests can be complex. Our Trust Department offers expert oversight and personalized guidance to help you make the most of these valuable assets — today and for future generations.

Have questions about this service? Connect with our Trust Department at 575-396-2831