Wealth Management

Your wealth deserves more than a robo-advisor

IOU National Wealth Management combines personal relationships with institutional expertise. $32 billion in assets under management. CFP professionals on every engagement. A fiduciary standard — always.

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Comprehensive wealth services

From investment management to estate planning, our team provides the full spectrum of wealth services under one roof.

Investment Management

Actively managed portfolios tailored to your risk tolerance, time horizon, and financial goals. Our investment committee oversees $32 billion in client assets across equities, fixed income, alternatives, and real assets.

Retirement Planning

Comprehensive retirement income strategies, 401(k) and IRA rollovers, Social Security optimization, and tax-efficient withdrawal planning. We model multiple scenarios to stress-test your retirement readiness.

Trust & Estate Services

Revocable and irrevocable trusts, estate settlement, charitable giving vehicles, and generational wealth transfer planning. Our trust officers work with your attorney to ensure your legacy is protected.

Private Banking

Exclusive banking services for clients with $1 million or more in investable assets. Dedicated private banker, premium rates on deposits and lending, and priority access to investment opportunities.

Family Office Services

Consolidated reporting, multi-generational planning, philanthropy advisory, tax coordination, and lifestyle management for ultra-high-net-worth families with $10M+ in assets.

Financial Planning

Holistic financial plans covering cash flow, insurance, education funding, tax strategy, and estate planning. Certified Financial Planner (CFP) professionals on every engagement.

Service tiers

Choose the level of service that matches your wealth and planning needs.

IOU Wealth Advisory

Minimum: $250,000

Advisory Fee: 0.85% annually

  • Dedicated financial advisor
  • Customized investment portfolio
  • Quarterly portfolio reviews
  • Tax-loss harvesting
  • Financial planning
  • Online wealth dashboard
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Most Popular

IOU Private Client

Minimum: $1,000,000

Advisory Fee: 0.65% annually

  • Everything in Wealth Advisory, plus:
  • Private banker for all banking needs
  • Premium deposit & lending rates
  • Estate & trust planning
  • Monthly portfolio reviews
  • Access to alternative investments
  • Priority event invitations
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IOU Family Office

Minimum: $10,000,000

Advisory Fee: Custom

  • Everything in Private Client, plus:
  • Multi-generational wealth planning
  • Consolidated family reporting
  • Philanthropy advisory
  • Tax coordination with your CPA
  • Lifestyle & concierge services
  • Direct access to investment committee
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Investment and insurance products are not FDIC insured, not bank guaranteed, and may lose value. IOU National Wealth Management is a division of IOU National Bank, N.A.

Let's talk about your financial future

Schedule a confidential, no-obligation consultation with one of our wealth advisors. We'll review your current situation and discuss strategies tailored to your goals.

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