Trust & Investments

"When you work with the West Shore Bank Wealth Management team, you will experience for yourself what it's like to have individuals on your side that are highly experienced, extremely dedicated and members of your own community. The right decisions can make a real difference in your future, and our team is here to help you make that happen" 
-Raymond Biggs, President and CEO of West Shore Bank
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Our clients are at the center of our process.

With specialized knowledge, precise administration, and sensitivity to the needs of the beneficiaries, our trust professionals have the skill, experience, and compassion to provide the personalized care you expect.

About Us

Our Approach

Through careful listening and meaningful conversations, we build deep relationships and provide solutions that are always in our client’s best interest. 
 
Integrity
 
  • 125 years of integrity, commitment, and independence
  • Highest fiduciary obligation to our clients
  • No proprietary investment products
  • Competitive fee structure aligns our interests with yours
Personal and Local Service
 
  • Local expertise, service, and support
  • Act with skill, discretion, loyalty, and care
  • Service with a sense of urgency
  • Trusted, accountable, and transparent
Customized and Discipline Investing
 
  • Portfolios customized to meet your unique needs
  • Disciplined “top-down” investment philosophy
  • Asset allocation to meet long-term goals
  • Risk controlled through diversification
  • Effective education and communication

Who We Serve

West Shore Bank has been building long-term relationships in the communities we serve since 1898. 

 

Individuals & Families

  • Holistic approach to Wealth Management needs
  • Comprehensive financial solutions
  • Guidance tailored to your unique circumstances

Public and Private Foundations and Non-Profits

  • Service a variety of non-profits and foundations
  • Proudly help organizations serve their communities

CPAs & Attorneys

  • Strong and effective valued partnerships
  • Serve as trustee, managing agent or custodian
  • Help deepen client relationships
  • Unparalleled service, collaboration, and expertise

Oversight

Your assets are always protected through an extensive system of internal and external oversight to ensure our fiduciary standard is always maintained. 

Board of Directors

  • Oversight and responsibility for wealth management operations
  • Meets quarterly to monitor wealth management activities

Management Committees

  • Board appointed and meet monthly
  • Implement and supervise policies, procedures, and activities

Auditors and Examiners

  • Annual internal audits ensure compliance and identify weaknesses
  • External audits assess internal controls and operations
  • Periodic examinations assess safety and soundness

Trust & Investment at West Shore Bank

Trust is essential in financial relationships. At West Shore Bank, we prioritize building strong connections with our clients. Our commitment to your financial well-being is unwavering. We understand that investing your hard-earned money requires confidence and reliability. With our expertise in trust and investments, we foster an environment where you feel secure in your financial decisions.

Understanding Trust & Investments 

Trust and investments go hand in hand. Trust is the foundation upon which we build our financial relationships. When you choose West Shore Bank, you engage with a partner dedicated to your financial future. Our investment strategies are designed to align with your goals and values. We emphasize clear communication and transparency throughout the investment process.

Investing involves risks and rewards. Understanding your risk tolerance is vital. At West Shore Bank, we take the time to listen to your concerns and aspirations. Our personalized approach helps in crafting an investment plan tailored to you. With our local expertise, we guide you through the complexities of investment decisions.

Our Commitment to Local Communities

West Shore Bank proudly serves the communities of West and Northern Michigan. We believe in supporting local growth and development. By investing in our community, we help create a prosperous future for everyone. Our focus on local businesses and individuals sets us apart from larger institutions. We are committed to fostering relationships that last.

Our community-oriented approach extends to our investment practices. We actively seek opportunities that benefit both our clients and the local economy. We understand that investing in local initiatives can lead to significant returns for our clients. This mutual growth is central to our mission.

Building Trust through Experience

Experience is crucial in the world of investments. At West Shore Bank, our wealth management team brings years of expertise. We have seen various market cycles and understand the nuances of different investment vehicles. This experience allows us to offer sound advice that aligns with your financial goals.

Our fiduciary duty ensures that your interests always come first. We do not have proprietary products pushing us to recommend specific investments. Instead, we focus on your unique circumstances to provide tailored solutions. This client-first approach builds trust and confidence.

Effective communication is another pillar of our trustworthiness. We strive to keep you informed every step of the way. Our team provides regular updates on your investments and market trends. We encourage questions and discussions, ensuring you fully understand your financial landscape.

Why Choose West Shore Bank for Your Trust and Investment Needs?

Choosing West Shore Bank means choosing a partner committed to your financial success. Here are reasons why we stand out:

  • Local Expertise: We understand the Michigan market.
  • Personalized Solutions: Your financial goals shape our strategies.
  • Transparent Communication: We keep you informed and engaged.
  • Community Focused: Investing locally benefits everyone.
  • Experienced Team: Our wealth management experts guide your decisions.

We offer a variety of services to help you grow your wealth securely. Our trust and investment services include comprehensive financial planning, estate management, and personalized investment strategies. We ensure that each plan reflects your unique goals and risk tolerance. Understanding your objectives allows us to develop a strategy that works for you.

As you consider your financial future, remember that trust and investments are intertwined. A solid investment strategy built on trust can yield significant benefits over time. At West Shore Bank, we are ready to support you in navigating this journey.

 Explore Our Services

Our offerings include:

At West Shore Bank, we are more than just a financial institution. We are your partners in achieving financial security and growth. Our commitment to trust and investments reflects our dedication to serving our community. When you choose us, you gain a trusted ally in your financial journey.

Contact us today to learn how we can assist you in building a secure financial future. Together, we will navigate the complexities of trust and investments with confidence.








FAQs

At West Shore Bank, we provide a variety of trust and investment services tailored to meet your specific needs. Our offerings include wealth management, trust and estate administration, and personalized investment strategies designed to align with your financial goals and values.

We prioritize open communication and transparency in all our interactions. Our experienced team listens to your concerns and aspirations, providing personalized guidance to ensure you feel secure in your financial decisions.

Local expertise ensures that our clients receive the best possible service, from knowledgeable and trusted advisors who are readily available.

During your first consultation, you'll meet with a dedicated wealth management expert who will listen to your financial goals and concerns. Together, we will discuss your investment options and create a personalized plan that reflects your aspirations.

As your fiduciary, West Shore Bank is legally obligated to act in your best interests. This means we focus solely on your unique financial situation without being influenced by proprietary products.

Absolutely! Our team offers comprehensive financial planning services that include retirement planning. We work with you to create a strategy that aligns with your retirement goals, ensuring a secure future.

We believe in keeping you informed every step of the way. You can expect regular updates on your investments, market trends, and any changes that may impact your financial landscape.

At West Shore Bank, we pride ourselves on our personalized approach and community focus. Unlike larger institutions, we prioritize building lasting relationships and providing tailored solutions that meet your specific needs.

Getting started is easy! Simply contact us to schedule an appointment, and we’ll guide you through the process of setting up your trust and investment services. Together, we’ll create a plan that’s right for you.













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Be Someone's Hero ❤️

West Shore Bank makes giving back easier than ever. Our new Giving Center allows you to effortlessly support your favorite causes directly from your bank account.