Preparing the successors for sustainable intergenerational wealth management 

It’s back to school season all across the U.S., the time to get back into routines and more structured schedules. It also can present teachable moments for families, who might use the school calendar to motivate activities focused on finance, specifically around the topics of intergenerational wealth, stewardship, their role in the estate and the family business.

Surprisingly, personal finance classes are not as prevalent in our school system as we might hope. Currently, only 30 states require schools to offer personal finance classes in high school. However, of the 30, only 17 states at present actually require that a course be completed prior to graduating. That leaves responsibility to parents and grandparents to discuss intergenerational wealth with children, teens and young adults. As children of all ages head back to school, it can be an ideal time to involve them in financial discussions and model good stewardship and decision-making, fostering a sense of responsibility and empowerment around family wealth. 

Once you have determined that it’s time to begin having discussions with the younger members of your family about how to build intergenerational wealth, “It’s essential to take into consideration the personalities of your family members and how familiar they already are with the status of your wealth, “ says Whittier Trust Senior VP, Client Advisor, Kim Frasca-Delaney. For the high net worth families who are Whittier Trust clients, there are myriad resources at their disposal to help with these age-appropriate discussions.  

Ready to get started? Here are some activities and ideas that can make the topic of intergenerational wealth approachable no matter the ages involved. 

Little ones: Age-appropriate discussions about generational wealth 

For younger, elementary school-age children, begin with simple activities such as tracking what is spent while shopping or deciding how to spend on a particular project. This can help model good financial decision-making and stewardship. If you’re in a position to save some money on a particular project, you could give that to the child and help them start an interest-earning savings account. Children can see the money they add accumulate and grow over time. This can spark a discussion about compounding interest and why saving is so important, particularly when it comes to growing wealth. 

This can also be a great time to tell the family’s “story”—sharing details about how the family or ancestors came to acquire what is now generational wealth. It might be information about a grandparent who worked hard to start a business or a great-grandparent who had the courage to immigrate to the United States and saved carefully to give his or her descendants a better future. These bits of family history can be meaningful, teachable moments that showcase good values and financial responsibility. 

Teens: Open discussions about generational wealth transfer

Even in families that have the financial means to provide everything their children need (and want), it can be wise to give them opportunities to rise to the challenge of saving for their personal goals. For pre-teens and teenagers, such discussions may center around saving for college, that first car, or even an upcoming trip they would like to take. Parents who don’t wish to simply hand over funds for a big goal might consider offering to match whatever they save or work for. 

Using both budgeting and the setting of clear financial goals, teens can calculate how much income they will need to reach their stated goal. If the teenager already has college funds set aside by parents or grandparents, this is the perfect opportunity to discuss intergenerational wealth and generational wealth transfer. Actions by previous generations have led to the accumulation of wealth that makes it possible for them to attend college debt-free. It is important that teens understand how the wealth was accumulated and what the expectations are for the stewardship of this generational wealth going forward. 

Young adults: Generational wealth transfer may start to become a reality

As your children or grandchildren make their way through college or into adulthood and the workforce, it’s the perfect time for frank discussions about investment strategy, the family business, philanthropy and even how estate planning can (and should) occur. College age and young adult children should be prepared to be successors for their family legacies and estates, which is at the core of intergenerational wealth. 

Each of these age groups benefit from open lines of communication, leading by example, and even allowing a child to fail or encounter a dilemma. These situations open the door for having a conversation about how wealth is accumulated, how it compounds and the importance of preserving wealth for future generations.

From Investments to Family Office to Trustee Services and more, we are your single-source solution.

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Whittier Trust has been named one of L.A.’s 100 Best Workplaces by the Los Angeles Business Journal. The Whittier Trust offices rank as number 25 out of all midsize companies in the Los Angeles area. This is the second year in a row Whittier Trust has been included on this prestigious list. The award underscores the wealth management company’s dedication to prioritizing people and their achievement in cultivating an outstanding work environment. Whittier Trust - Los Angeles Top Workplaces

Recognition on the 100 Best Workplaces list by the Los Angeles Business Journal compliments Whittier Trust’s Newport Beach office and Whittier Trust Company of Nevada’s Seattle office which were recognized on the best places to work lists of the Orange County Business Journal and the Puget Sound Business Journal, respectively.

“I am humbled by the recognition of our company as one of Los Angeles's top 100 best workplaces, and I’m proud of each and every member of our team. We have always placed our people at the heart of our success, fostering a culture that values passion, collaboration, and above all, a shared commitment to our clients. It is through their collective efforts and a belief in our shared vision that we continue to thrive and make a positive impact on the lives of the families and the community we serve. This acknowledgment not only reaffirms our commitment to fostering a supportive and empowering environment but also motivates us to reach for even greater heights" - David Dahl, CEO & President, Whittier Trust.

Companies on each local list are selected as a result of a months-long research process focused on identifying the culture, mission and values that shape the employee experience, the core tenets of what defines an ideal workplace. For Los Angeles, The Workforce Research Group administers surveys to employees of participating companies. The survey ranks small, medium, and large companies on subjects such as leadership, corporate culture, communications, and more.


The Whittier Trust Seattle Office, an arm of The Whittier Trust Company of Nevada, has been named one of Washington’s 100 Best Workplaces by the Puget Sound Business Journal. Recognition on this esteemed annual list highlights Whittier Trust’s commitment to putting people first and their success in fostering an exceptional workplace environment based on the feedback and opinions of its employees. 

Washington's Best Workplaces list goes beyond the superficial perks and amenities typically associated with office environments. It delves into the core aspects that truly define an ideal workplace: the culture, mission and values that shape the employee experience. Quantum Workplaces administers surveys to employees of participating companies, facilitating an in-depth evaluation of various aspects of their experiences. The survey results are then meticulously analyzed and tabulated by The Puget Sound Business Journal.

Whittier Trust - Seattle Best Places

Whittier Trust credits its recognition as one of Washington's Best Workplaces to the exceptional qualities of its team. With a remarkable employee retention rate, Whittier Trust endeavors to foster a dynamic and family-oriented culture that celebrates innovative thinking, communication and cultivating strong relationships. They take great care when composing teams, choosing dedicated individuals from diverse backgrounds, who are eager to contribute to a vibrant professional atmosphere. Whittier Trust also understands that delivering outstanding client service starts with a culture of leadership and collaboration built through knowledge sharing, professional development and mentorship. They strongly believe in the mutual growth of employees and the organization, understanding that their success is intertwined with the growth and well-being of their team.

"We are immensely proud to be recognized as one of Washington's Best Workplaces,” says Nickolaus Momyer, Whittier Trust Northwest Regional Manager, Senior Vice President, & Senior Portfolio Manager. “Our employees are at the heart of our success, and this achievement is a testament to their unwavering commitment, talent and shared passion. At Whittier Trust, we firmly believe that a strong workplace culture built on trust, collaboration and respect empowers our team to excel and deliver the unparalleled service to our clients for which we’re known.”

Seattle Best Places to Work



By Kim Frasca-Delaney, Senior VP, Client Advisor for Whittier Trust

In the fast-paced world of family office advisory, helping clients find just the right setting to have meaningful conversations about family finances can be a challenge. If you’re planning a family getaway to a relaxing tropical locale or an active ski trip with your loved ones, it might be tempting to consider bringing up serious financial topics. Clear communication within families, especially when it comes to wealth, is vital and there are risks and benefits to this strategy of turning a vacation into a family meeting. Read on for some things to consider.

Pros: Why a family vacation could be an ideal time to discuss wealth. Vacations create a relaxed and open atmosphere. It’s no secret that a getaway can create a unique environment where families can leave behind daily stresses and embrace a more relaxed mindset. Science backs this up: a 2022 study from the Journal of Frontiers in Sports and Active Living showed that vacations help people reduce stress in a quantifiable way for a wide variety of reasons. When all of the members of your family are relaxed and calm, it could be a good time to initiate a financial discussion and take advantage of this low-stress atmosphere.

Dedicated quality time brings loved ones together. Traveling as a family gives individuals segments of dedicated quality time you’re not likely to get within your daily routine at home. Whether it’s lounging on a beach, setting out on an adventure or exploring a new city together, these shared experiences can strengthen family bonds. Broaching financial topics during this quality time can leverage the emotional openness to make discussing wealth-related matters more comfortable.

Financial goals and family legacy come to life. Taking a curated or luxury trip can bring the benefits of stewarding wealth to life for future generations. While buying things or paying for once-in-a-lifetime experiences isn’t the only goal of wealth-building, those are compelling benefits. Vacations can also serve as a reminder of what truly matters: spending time with loved ones, pursuing passions and creating memories. Drawing a correlation to the freedom that comes from stewarding wealth effectively with positive experiences that the whole family enjoys can help give family members a clearer picture of the significance of financial planning in achieving their desired lifestyle.

Leading by example can educate the next generation. Family vacations offer an excellent opportunity to involve younger family members in discussions about finances. This approach not only helps prepare the next generation for their financial roles but also reinforces the importance of long-term family cohesion.

Cons: Reasons family vacation might not be an ideal time to discuss wealth. Disruption of quality time and relaxation Picture this: You have invited your family members on a lovely getaway—perhaps to a remote tropical island or a dude ranch out West.

They’re anticipating a week of low-key relaxation or exhilarating adventure activities. Then when you spring a serious discussion about family wealth on them, they might feel ambushed and emotionally unprepared for such a conversation. The strategy could backfire, and you might end up having an unproductive discussion and putting a damper on quality family time.

Finding the right setting and focus might be challenging. Depending on the vacation destination and your family’s travel style, it could be difficult to find the right environment to have a discussion about family wealth. If you’re in a bustling city where some family members are off to museums, others are shopping and still others are seeing shows, everyone’s schedules could be challenging to match up. Similarly, if you’re at a resort where activities from water sports to spa services fill up your loved ones’ days, squeezing in a thoughtful discussion session might feel like a distraction from the primary goal of rest and relaxation.

Emotions about finances may overshadow enjoyment. Wealth discussions can be fraught with strong feelings. Even in the most harmonious families, minor disagreements about the optimal course of action, what philanthropic causes to pursue or how to best administer future trusts can dampen the mood.

Additionally, if family members don’t know the extent of your wealth, introducing that information for the first time could be a shock. Bringing up financial topics during a vacation could exacerbate existing issues or create new conflicts, detracting from the vacation’s purpose of strengthening relationships.

Lack of preparation and ready resources could be unproductive. When family office advisors come to a family meeting, they’re prepared with comprehensive data, analysis and resources to facilitate informed discussions about family wealth. Vacation settings may lack access to these resources, making it difficult to provide accurate information. This could lead to misunderstandings or incomplete discussions, potentially causing more harm than good.

Every family is different. While discussing family finances on vacation can present unique opportunities and potential risks, it’s essential to take into consideration the personalities of your family members and how familiar they already are with the status of your wealth. Every family is unique because of their financial landscape and the unique personalities and concerns each family member brings to the table.

For Whittier Trust clients, we often recommend scheduling a dedicated family finance retreat to discuss family wealth in detail. This allows members to arrive mentally and emotionally prepared to engage in productive conversations in a focused environment. Whittier Trust advisors work with family leaders in advance to collect all the pertinent information. We can also help create structure around these discussions, as appropriate. If clients still feel strongly about initiating wealth talks during a vacation, it could be advantageous to prepare family members ahead of time by saying something like, “This trip will be mostly fun, but we want to build in an hour or so to talk about some family business.” That way, no one feels caught off guard and the group can focus on what’s most important: spending time together.

From Investments to Family Office to Trustee Services and more, we are your single-source solution.

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How artificial intelligence is showing up in financial services and family office offerings, and why human intelligence is still vital

By Teague Sanders, Senior Vice President and Senior Portfolio Manager, Whittier Trust 

It’s nearly impossible to open an article these days without someone—journalists, pundits, commentators—talking about how artificial intelligence (AI) is a game-changer, primed to revolutionize just about every industry. But what about AI in financial services and in family office services? 

“AI and artificial intelligence have taken a giant leap forward with large language models and the ability for more normalized speech recognition patterns,” says Whittier Trust SVP and Senior Portfolio Manager Teague Sanders. “But to say that it's precise and accurate, in every respect, is still far from true.” Being precise and accurate should be a mandate for anyone offering financial or family office services, so using such technology judiciously is important. Read on to learn how it’s showing up in the industry.  

AI in Finance

As an industry and as a company, we have been using various forms of AI for a long time,” Sanders explains. “Anytime you're using a data aggregator, such as Bloomberg or FactSet., that’s a form of artificial intelligence. When we graph and combine various data sets, we’re not doing that manually, so the industry hasn’t been completely caught off guard by AI in finance.” 

By implementing AI technologies, financial institutions, advisory firms and family office services can improve data analysis and enhance risk assessment, sometimes allowing for faster, more precise decision making by the advisors. AI-powered algorithms can quickly analyze vast amounts of data, enabling professionals to gain valuable insights and make informed decisions. Additionally, AI-driven risk assessment models can spot anomalies and identify possible risks, protecting investments and ensuring regulatory compliance.

What is a Chatbot? Understanding the potential

Chatbots have gained significant attention in recent years, and their potential in the financial sector is immense. In fact, you’re probably already seeing some of your financial institutions, such as banks and credit card companies, use chatbots to address simple questions on a digital portal (either by smartphone or computer). A chatbot is a virtual assistant, powered by AI, that can engage in conversations with users, providing instant responses and information. By leveraging natural language processing (NLP) algorithms, chatbots can understand and interpret user queries, allowing professionals to offer efficient services and responses to their clients. For example, if you have a question about a charge you don’t recognize on your credit card statement, a quick query through your credit card app may be able to help without the hassle of making a phone call. 

Within a family office, chatbots could be leveraged to automate routine tasks such as trade execution and performance reporting, freeing up skilled professionals' time to focus on strategic activities. There are also some interesting applications of AI programs such as the much-talked-about ChatGPT. For example, if someone is looking for help planning a vacation itinerary or researching a new neighborhood, ChatCPT can help with the initial research before a skilled client services manager steps in to refine what the client will ultimately see. 

The Future: AI in financial services paired with human expertise

As AI continues to evolve, it is important for professionals in all industries to stay informed, adapt to changing trends, and harness the technology’s power. Sanders sees plenty of opportunities to leverage AI for the good of his clients. “We always try to avoid a group-think mentality, so putting an idea into an AI-driven program and asking for ideas can be a great way to start a brainstorming session. It can help us view a problem or challenge from a different perspective,” he says. “It can help get a team’s creative and analytical juices flowing.” 

The human element of family office services and managing clients’ wealth is never going to go away, particularly in a high-touch, highly relational company such as Whittier Trust. While the team at Whittier is open to embracing smart uses of AI technology, there is, and will always be, a thoughtful human behind every client interaction. AI is something that can enhance or supplement that human intelligence but never replace it. 

Ultimately, Sanders says, it’s vital to keep growing with the industry. “We embrace new technologies and new ideas. We’re not afraid of them,” he says. By leveraging the capabilities of AI, professionals can unlock new opportunities, elevate their services, and create a brighter future for the industry as a whole.

8 Reasons It’s a Good Idea to Begin Planning Your Business Exit Early

1. Transition Planning Preserves Enterprise Value – A BCG study found a “28-percentage point differential in market capitalization growth between companies that had planned transitions and those that had not.” (Boston Consulting Group study of 200 family business transitions 1995-2014)

2. Things Happen – Every business needs a contingency plan in case something happens to the owner. It is a healthy business practice and a courtesy to partners, customers, employees and family.

3. Healthy Change Takes Time – Start succession planning early. It is important to take a team approach to crafting the company’s desired succession plan. Investing early in developing that infrastructure pays dividends later. 

4. If Family’s Involved, Expect Extra Work – Plan to invest time and thought in establishing family governance cohesion and legacy guidelines. 

5. Transparency Breeds Trust – Communicating that the owner is actively engaged in long-term succession planning inspires confidence and diminishes the spotlight when an exit is imminent. 

6. Building Transferable Value is a Process – One sign of a strong business is how it operates with its leader absent. Taking time to train, manage and teach the executive team can strengthen the business and make it more valuable at exit. 

7. Life Will Change – There’s a Chance to Make it Better – Intentionally planning for life after the exit allows the owner to adjust to the idea of change, exercise control, design a realistic and appealing plan, and ensure it is affordable.

8. They Want More Money In the Bank – Securing financial independence from the business is a key objective of most exits. By aligning owner objectives, personal financial needs, estate planning strategies, philanthropic goals and tax consequences, prepared owners position themselves to achieve the most favorable outcomes.

From Investments to Family Office to Trustee Services and more, we are your single-source solution.

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Impressive return on investment strategies and market insights for investing in real estate

For high net worth families and individuals, investing in real estate can be an important part of the overall strategy for investment return. But in a real estate market that seems to change by the day and an economic climate plagued with inflation, how can investors know if they have a winning strategy for the long-haul? That’s where a team of experts, such as Whittier Trust, can make all the difference because it’s their job to closely monitor market dynamics and offer valuable insights to their clients. 

Returns on commercial real estate (CRE) are fluid even in the best of economic times, and in today’s recessionary climate are even more so. Broadly speaking a return on investment is subject to factors such as product type, location, interest rates and the overall economy,” says Whittier Trust Vice President, Real Estate, Andrew J. Paulson, who regularly reviews real estate outlook reports. He notes that his team and the investors they serve use Gross Rent Multiple (GRM) and Cap Rates to help guide pricing and Internal Rate of Return (IRR), Cash-on-Cash Return and Equity Multiple to evaluate returns. 

Investing in Real Estate: Possible to succeed in a downturn? 

Paulson says that the consensus is that inflation is close to peaking but real estate pricing has not yet reached the bottom. Still, the team’s long-term strategy is working, having focused its equity investments over the past 3 - 5 years on value-add multifamily assets. “We believe that is the most attractive of the main real estate product types,” Paulson explains.

“We have a lot of information from our own underwriting and investment performance to compare to today’s metrics. We have seen that GRM has declined and Cap Rates have risen for Core, Core-Plus and Value-Add investments,” he says. Whittier Trust’s broker and sponsor resources have provided information on Core, Core-Plus and Value-Add multifamily sales from April 2021 to April 2023 that show an average GRM for deals was 12.7 in April of 2021, peaking in April of 2022 at 14.52 and are now averaging 11.2 in April of 2023. The market information is also showing that average Cap Rates were 4.2% in April of 2021, peaked at 4.02% in April of 2022 and have now risen to 5.15% as of April 2023.

Paulson offers a real-life example of the team’s return on investment expectations over the same time period: the value-add MHW Las Vegas deal which was acquired at a 3.87% Cap Rate and underwritten to an IRR of 21.0% and a 2.39 Equity Multiple over a 5-year hold. “We can compare this information to a recent value-add multifamily deal in Irving, TX that we were unsuccessful in acquiring,” he says. “Our deal metrics for that opportunity were a going-in Cap Rate of 5.3% and the deal underwritten to an IRR of 18.8% and a 2.30 Equity Multiple over a 6-year hold.”   

Investing in Real Estate: Investment return projections for the future  

“Projecting out in 2023 and beyond, our team believes the real estate market, like the overall economy, will present a mixed picture as Multifamily and Industrial properties will outperform Retail and Office for the foreseeable future,” Paulson says. “For the Multifamily and Industrial deals that we pursue, we also believe that the factors of relatively high inflation and the Fed’s tightening policy which has significantly increased cost of debt will continue to depress pricing and decrease deal velocity across the country. The effects of these issues is making it harder to locate and underwrite the same number of quality real estate investment opportunities that we can bring to Whittier’s clients.” 

While the uncertainty surrounding the Fed’s future interest rate increases and ambiguity regarding growth in the overall economy are real concerns, Whittier Trust’s real estate team always takes a long-term view of real estate investing and employs conservative underwriting. As the Fed’s pace of interest rate increases inevitably slows, investors will face fewer unknowns when valuing assets and underwriting transactions, which is expected to lead to an uptick in capital market activity through 2023 and beyond. “As a result, the mood among the real estate team at Whittier Trust is cautiously optimistic that the market will ride out the current headwinds and Whittier Trust will be well-prepared for another period of sustained growth and strong returns,” Paulson says. 

The Whittier Trust Newport Beach office, an arm of Whittier Trust Company, has been named one of Orange County’s 2023 Best Places to Work for midsize companies by the Orange County Business Journal. Recognition on this annual list highlights Whittier Trust’s commitment to putting their employees first and their success in fostering an exceptional workplace environment based on the feedback and opinions.

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"We couldn’t be more proud to be named one of Orange County’s best places to work for the fourth time in five years,” says Greg E. Custer, Whittier Trust Executive Vice President and Manager, Newport Beach Office, “At Whittier Trust, we take pride in a thriving work culture, rooted in trust and collaboration empowering our team to reach extraordinary heights, consistently delivering unparalleled service defining who we are.”

Whittier Trust attributes its recognition as one of the best places to work by the Orange County Business Journal to the exceptional qualities of its team members. With an impressive employee retention rate, Whittier Trust takes pride in nurturing a dynamic and family-oriented culture that values innovative thinking, effective communication, and the cultivation of strong relationships. Whittier Trust places great importance on assembling teams of dedicated individuals who are enthusiastic about contributing to a collaborative environment. Whittier Trust also recognizes that providing exceptional client service begins with a culture of leadership and collaboration, fostered through knowledge, professional development, and mentorship. Committed to the growth of both employees and business, Whittier Trust understands that success is intertwined with the growth and well-being of their team.

Orange County Business Journal’s Best Workplaces list identifies, recognizes and honors the best places of employment in Orange County, California, benefiting the county's economy, its workforce and businesses. It delves into the core aspects that truly define an ideal workplace: the culture, mission and values that shape the Whittier employee experience. Workforce Research Group conducts a two-part process. The first part consisted of evaluating each employer's workplace policies, practices, and demographics, representing approximately 20% of the total evaluation. The second part consisted of an employee survey to measure the employee experience, worth approximately 80% of the total evaluation. The combined scores determined the final ranking.

The ranking of the winning organizations were released via a special section of the Orange County Business Journal’s July 3 issue.  

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Whittier Trust is thrilled to announce the promotion of Danny Schenker to Vice President, Client Advisor at its Reno, Nevada Office. Danny has more than seven years of family office, financial planning and trust administration experience.

As Vice President, Danny Schenker plays a key role in providing comprehensive financial and fiduciary services to high-net-worth individuals and their families. With a focus on cultivating multi-generational relationships, Danny succeeds in guiding clients through various facets of trust and agency administration. His expertise spans a wide range of areas, including meticulous document review, fiduciary accounting, investment advisory, financial analysis, real estate, tax optimization and estate planning strategies.

"I am thrilled to announce Danny Schenker's well-deserved promotion to the role of Vice President at Whittier Trust," said Robert LeBeau, Senior Vice President at Whittier Trust. "I have had the privilege of witnessing Danny's exceptional professionalism and passion firsthand and his dedication, expertise and unwavering commitment to our clients have been instrumental in driving their financial success."

Danny joined Whittier Trust in February 2016 until February 2021, before a brief stint as an Associate at EPIQ Capital Group where he worked closely with tech founders and general partners in the venture capital and private equity spaces. Danny returned to Whittier Trust as Assistant Vice President, Client Advisor in May 2022.

Danny Schenker is a graduate of the University of Nevada, where he received his bachelor’s degree in business administration with an emphasis in economics and finance. Danny is also a Certified Financial Planner (CFP®) and holds a Certified Trust and Financial Advisor (CFTA) designation. In addition to his commitment to his clients, Danny also serves as President of the Planned Giving Round Table of Northern Nevada and is on the Young Professionals Committee of Big Brothers Big Sisters of Northern Nevada.


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Whittier Trust is excited to announce the promotion of Tom Suchodolski to Vice President, Client Advisor at its South Pasadena Office. Tom has more than five years of experience providing ultra-high-net-worth clients with strategic wealth management services and advice.

As Vice President, Tom Suchodolski plays a key role in providing comprehensive financial services to high-net-worth individuals and their families. His deep knowledge across various disciplines, including trust and estate planning, investment management, and wealth preservation, enables him to deliver comprehensive and tailored solutions to our valued clients.

"I couldn’t be more excited to announce Tom Suchodolski's well-deserved promotion to the role of Vice President at Whittier Trust." said Kim Frasca-Delaney, Senior Vice President at Whittier Trust. “Tom’s qualifications reflect a deep understanding of financial intricacies and trust matters and enable him to provide guidance and solutions to his clients.”

Tom joined Whittier Trust in April 2019 and has continued to demonstrate his ability to successfully execute his clients needs. Before joining Whittier Trust, Tom worked as a Litigation Support Associate in the forensic accounting group at CBIZ MHM, LLC in Los Angeles. He worked closely with ultra-high-net-worth clients and their legal representatives, providing assistance on intricate family-related matters of significant complexity.

Tom possesses an array of skills and qualifications. Holding an active Certified Public Accountant (CPA) license and a Certified Trust and Financial Advisor (CTFA) license, Tom demonstrates his expertise in the field of finance and accounting, showcasing his strong understanding of financial regulations, tax laws, and investment strategies. Moreover, Tom’s dedication to development led him to embark on a transformative four-month language-intensive study abroad program in Berlin. As a result, he obtained a B1 certification for the German language.

Tom is a graduate of the University of Redlands, where he earned a Bachelor’s in Accounting. Tom remained on the Dean’s list throughout the entirety of college as a four-year student-athlete on the Varsity men’s tennis team. 

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