Wealth Management Built on a Fiduciary Promise
Your money should work as hard as you do. Our team delivers independent wealth management, disciplined investment management and practical financial planning, all through a fiduciary lens, so you can move forward with clarity and confidence.
Where Fiduciary and Investment Excellence Meet
At American Trust Wealth, we offer more than typical wealth management. Whether you’re an individual or institutional investor, our approach is centered on your unique goals. As an independent advisory firm with a fiduciary duty, we craft personalized investment strategies and adjust them proactively as your needs evolve. From building generational wealth to mapping out retirement income, we provide trustworthy and strategic guidance, supported by oversight from our Trust Investment Committee every step of the way.
Our Commitment to Fiduciary Excellence
As one of the nation’s first fully discretionary trustees and the first trust company certified by CEFEX for fiduciary excellence, we demonstrate adherence to the industry’s best practices, always placing our clients’ best interests at the center of every decision. Our team delivers coordinated financial strategies and disciplined investment management with a fiduciary mindset and transparency at every level.
Who We Serve
When you work with a fiduciary like American Trust Wealth, you can trust that we are working tirelessly to help your savings grow and prosper. Our team delivers coordinated wealth guidance and long-term strategies with the discipline of an independent financial advisor.We serve clients across a wide range of needs:
- Individual investors such as families and professionals who want a clear plan, ongoing advice and transparent wealth management services.
- Business owners navigating liquidity, taxes and eventual exit planning, including personalized investment strategies tailored to their unique needs.
- Institutions such as endowments, foundations and retirement plans requiring governance, documentation and repeatable oversight.
If your situation involves complexity, such as equity compensation, concentrated stock, spending policies or multistakeholder governance, we help simplify decisions and keep you on track.
Solutions for Individuals
Developing a plan is just the starting point; financial success is best achieved when that plan is actively monitored, managed and adjusted to your changing lifestyle.
Real life changes. Your plan should, too. Our wealth management approach blends tailored money management solutions with disciplined investment management, so you can make confident decisions and stay on track with an independent financial advisor by your side.
Here’s how we support your financial life:
- Plan: Goal-based planning that quantifies your targets, right sized risk and reviews progress regularly (cash flow, retirement income, insurance, education, plus financial planning for business owners).
- Portfolio: Diversified, rules-based portfolios aligned to your goals and risk tolerance. They are cost- and tax-aware from day one, with methodical rebalancing.
- Support: Simplified reporting and transparent guidance so you know what you own and why.
Solutions for Institutions
Boards and committees need a process they can defend. We pair fiduciary governance with straightforward execution for endowments, foundations, retirement plans and nonprofit reserves, bringing clarity to policy, oversight and outcomes.
Our institutional approach includes:
- Governance and oversight: Investment Policy Statement (IPS) creation and review, asset-liability alignment, spending policy analysis, and documented manager selection and monitoring, along with concise reporting and board education.
- Retirement plan consulting: Participant friendly menus, QDIA review, fee benchmarking and vendor due diligence, with education that actually lands and a cadence that supports fiduciary duties and smoother audits.
- Fiduciary Excellence: We are certified by CEFEX, an independent rating and certification organization. CEFEX works closely with the investment community and the fiduciary industry to provide comprehensive assessments that measure risk and trustworthiness of investment fiduciaries.
Our Core Wealth Management Services
At American Trust Wealth, we provide coordinated guidance for every stage—growing assets, preserving wealth and planning a legacy. Explore our full range of solutions below.
Financial Planning
It all starts with defining your goals.
Your financial goals are as unique as you. We work with you to first define your goals and then tailor a personalized investment plan so you can achieve them. As your goals evolve, you can count on us to make sure the plans are in place to help you achieve financial success.
Managed Rollovers
Keep your retirement plan savings working for you.
The American Trust Managed Rollover Solution helps you keep your retirement savings growing while still protecting your tax-deferred status. Unlike many traditional rollover products, the Managed Rollover Solution includes an important financial planning overlay to personalize the experience to your specific situation, goal and time horizon.
Trust Arrangements
You can put your trust in American Trust.
Our personal trust services include the administration of trusts and ensuring that those accounts are administered in accordance with the terms of the governing documents.
Foundations & Endowments
Your Mission is Our Mission.
Managing a foundation or endowment requires a balance of short- and long-term planning, daily operations and active investment oversight, all within a fiduciary-compliant manner. We implement effective procedures and prudent policies to help make your mission a reality.
Estate Planning Services
A plan for the future.
Estate Planning is a process that starts with you – understanding your unique financial goals, reviewing your comprehensive estate and identifying the needs of your family. At American Trust Wealth, we don’t just hand you an off-the-shelf solution. Instead, we offer you a hand in crafting a personalized estate plan that will serve your needs and those of your family.
Investment Management
Selecting investments with your goals in mind.
We offer a full range of investment management services and work with you to determine your risk tolerance and asset allocation. We use an open architecture platform that allows access to over 20,000 investment options. We are not tied to any product line, and we objectively evaluate every investment using fiduciary best practices. In fact, any revenue sharing payments we receive from fund companies are passed back to you to offset your fees.
Unified IncomePlan
You worked hard to get to retirement; we are here to help you get the most out of it.
The Unified IncomePlan® is your personalized retirement income solution. It’s a process that starts with you–understanding your goals, your lifestyle and your expectations for achieving an enjoyable retirement. With your help and input, our experienced retirement professionals will perform a comprehensive analysis of your goals and develop a personalized plan that helps provide you with a reliable and sustainable income stream throughout your retirement.
Tax Planning
Understanding your goals with efficient tax planning.
Taxes are unavoidable, but with adequate forethought, we can align your financial goals with efficient tax planning to minimize tax liability. Our advisors review your retirement and savings contributions to help ensure that they are the most tax advantageous.
Dividend Growth
We believe a history of success is a clear indicator of favorable outcomes in the future.
At American Trust Wealth, we understand the importance of investments that provide investors with a growing stream of income over time, but that also offer the peace of mind of knowing that you are investing in companies with a history of success. We seek companies with rising dividends and potential capital appreciation, and we strive for higher returns on investments.
Charitable Giving
Make a difference with endowments, charitable giving and more.
From developing plans to leave a portion of your investments to charities, to carving out possible endowment or foundation accounts, we are here to help you make a difference and to do it in the most effective way possible.
Serving Clients Nationwide with Offices in Lexington, Louisville and Pittsburgh
Founded in Lexington, Kentucky — where our headquarters remain — we’re proud to serve clients across the country. With additional offices in Louisville and Pittsburgh, our team offers in-person support in both locations and delivers the same high-touch, fiduciary-first wealth management experience virtually nationwide. If you’re looking for a trusted financial advisor, our team is here to guide you with personalized advice and transparent strategies.
Let us define your goals and chart your path forward today.
American Trust Wealth’s Lexington, KY Team