Help mortgage loan originators increase fee income, customer base, profits, and customer service levels. Our 6-hour, on-site program for teaches them how to build productive referral channels, communicate effectively, set realistic goals, and establish client management systems. The program is available for groups of ten or more and can be scheduled by calling (800) 677-7432.
Get the help you need forming a trust company or department. We assist with the entire process, from pre-application planning to approval to ensuring regulatory compliance and addressing elements such as sales, marketing, staff development, and strategic planning to accelerate profitability.
Get the help you need when establishing an RIA. We guide you through the entire process, including regulatory compliance, business planning, and operational setup. These services ensure that your new RIA is well-positioned to succeed in a competitive market.
Let us value trust franchises for you. We consider factors like client retention, market served, management depth, and future cash flow projections to provide valuation services used for raising capital, buying out minority owners, transferring ownership, and purchasing or selling business blocks.
Get the help you need to quickly address issues identified in regulatory examinations and demonstrate serious, aggressive, and proactive remediation efforts. Ensure corrections are maintained, reducing the need for board member involvement and allowing the trust department to focus on other priorities.
Develop robust investment processes. We analyze the feasibility of in-house versus outsourced investment capabilities – establishing and documenting an investment management process and enhancing risk management – and help develop investment policy statements, implement consistent procedures, and recruit qualified investment professionals.
Create and maintain policies for internal controls and financial conditions of third-party vendors and technology service providers (TSPs) that meet regulatory requirements. Services include Trust Accounting Systems Due Diligence, Investment Advisors Due Diligence, Trust Brokerage Due Diligence, and Broker Dealer Partnership Evaluations.
Maximize opportunities and ensure the right partnership fit for your organization. We provide comprehensive support, from writing RFPs to evaluating proposals, ensuring a thorough and efficient selection process that aligns with your corporate culture and strategy.
Select the appropriate trust systems. We will help you assess your current systems and identify your needs and recommend solutions that align with your strategic goals and regulatory requirements, ensuring the chosen system enhances efficiency and compliance.
Take advantage of our pre- and post-acquisition support to manage mergers, acquisitions, or divestitures. We provide comprehensive pre- and post-acquisition support, including valuations, risk management, staff assessments, and vendor management.
Use our expertise to ensure smooth transitions when converting business assets to capital. We help with strategic exits, raising additional capital, and removing unprofitable books of business and manage the entire process from identifying potential acquirers, assembling information for bidders, coordinating due diligence, and advising during negotiations.
Enhance your due diligence process. We provide a two-layered due diligence: high-level assessment of the organization, staff, and infrastructure, and account-level evaluation as expected by regulators. We assess cash flow, sales capacity, organizational infrastructure, and cultural synergies, ensuring profitable and successful acquisitions.
Manage and mitigate risk. We develop risk management frameworks, conduct assessments, and implement compliance protocols with a focus on identifying potential risks, enhancing internal controls, and ensuring regulatory adherence. We can help you maintain robust risk management practices, safeguard operations, and promote sustainable growth.
Get the most accurate valuation of financial assets. We determine the value of trust departments, brokerage departments, insurance agencies, and other financial assets by evaluating cash flow potential, assessing market conditions, and ensuring accurate valuations to inform transactions such as acquisitions, mergers, or divestitures.
Assess and improve your organization. We evaluate your infrastructure, use management and staff interviews, and review policies, strategic plans, financial histories, and more to understand the organization's tools, processes, and systems – and deliver recommendations for achieving organizational goals efficiently and effectively.
Make informed decisions when buying or forming a Registered Investment Advisory (RIA) firm. We provide strategic planning and risk assessment, addressing the unique regulatory landscape of RIAs and emphasize the importance of understanding strategic goals, evaluating different business models, and considering the talents and culture of RIA personnel.
Maximize client value and increase bank revenue. We address challenges such as cultural clashes, regulatory issues, and compensation inequities and focus on creating client-centered delivery systems, fitting products to client needs, and optimizing organizational structure and compensation plans.
Develop actionable business plans that align with strategic goals. We facilitate onsite planning sessions with key managers and staff, fostering creativity and productivity to create, simulate, and test various options to help you focus on core competencies, build growth and profits, gain management and director support, and ensure accountability.
Develop Private Banking functions to provide upscale customers with efficient and high-level service. We provide extensive training, cross-training, and management information systems to support customer relationship building and help build customer-oriented, excellence-driven teams to retain top customers.
Enhance your due diligence process. We provide a two-layered due diligence: high-level assessment of the organization, staff, and infrastructure, and account-level evaluation as expected by regulators. We assess cash flow, sales capacity, organizational infrastructure, and cultural synergies, ensuring profitable and successful acquisitions.
Use our expertise to ensure smooth transitions when converting business assets to capital. We help with strategic exits, raising additional capital, and removing unprofitable books of business and manage the entire process from identifying potential acquirers, assembling information for bidders, coordinating due diligence, and advising during negotiations.
Achieve financial results by developing consensus, commitment, and strategy. We provide pre-session orientation, mission and vision statement development, SWOT assessments, strategic goal prioritization, and action plan development to help you create effective and actionable plans.
Increase revenue while minimizing client reaction. We will assess the market, develop a comprehensive fee schedule, and define a phase-in process, helping you implement the new fee schedule for new and existing clients using a rational step-by-step approach. Our service speeds up the process and maximizes acceptance by the team and clients.
Determine when to outsource, resign from accounts, and eliminate unprofitable ones. We analyze each operation to determine the types of business to solicit and accept, assess fee schedules, manage irrevocable life insurance trusts, and evaluate employee productivity to provide strategies to enhance profitability in a changing marketplace.
Get professional valuations for books of trust, RIA, or brokerage assets. We value your assets using factors like client retention probability, market served, and future cash flow potential to help you raise capital, buy or sell firms or business blocks, and do tax or estate planning.
Increase revenue while minimizing client reaction. We will assess the market, develop a comprehensive fee schedule, and define a phase-in process, helping you implement the new fee schedule for new and existing clients using a rational step-by-step approach. Our service speeds up the process and maximizes acceptance by the team and clients.
Develop career paths to foster employee loyalty and organizational strength. We help you create career paths for lateral and cross-department growth, enhancing skills and increasing responsibilities – demonstrating your commitment to employee development and providing clear steps for skill development and job advancement.
Create well-crafted job descriptions that articulate essential outcomes, clarify job roles within the company, support performance development planning, and provide legal protection in hiring. We help create precise job descriptions that reflect critical skills and performance measures.
Design customized Pay for Performance programs to attract and retain top talent in the competitive financial services market. Our plans are tailored to benefit your organization, individuals, and stockholders by rewarding behaviors that support company objectives. These programs are simple, easy to understand, and structured to reward performance.
Price new or long-standing positions within a department or bank. We talk to you to understand the desired outcomes and adjust findings based on experience, education, and cost of living variances. Deliverables include a recommended pricing letter and supporting documentation to ensure accurate and relevant position pricing for all employees.
We offer a three-day Relationship Sales Workshop designed for senior management, relationship managers, investment representatives, private banking representatives, and loan officers. This workshop focuses on developing sales processes and skills critical for maximizing sales success in a competitive environment. Participants engage in realistic role-plays, starting from prospecting calls to closing sales, and receive individual attention from faculty members. The workshop includes pre-class study programs and a comprehensive manual to enhance ongoing sales efforts.
Choosing the right trust situs is one of the most consequential early decisions. States vary widely in regulatory philosophy, charter requirements, taxes, asset protection statutes, and ongoing examination expectations. Industry experience shows that organizations often underestimate these differences, leading to delays, increased costs, or operational friction.
Pohl Consulting and Training, Inc. conducts situs assessments that analyze regulatory environment, charter type, competitive positioning, and long-term strategic fit. We created this offering because new trust organizations needed objective guidance to select a jurisdiction that matches their growth plans, client base, and operational capabilities.
Trust applications require detailed business plans, financial projections, risk assessments, governance structures, policies, and capitalization plans. Many applicants struggle with the depth and precision regulators expect, especially if they have not prepared a charter before.
Pohl Consulting and Training, Inc. provides application component development, helping institutions prepare the full set of documents needed for regulator review, including business plans, organizational structures, and financial models. We introduced this service because organizations needed experienced support to avoid costly delays and strengthen the quality of their submissions.
Regulators expect clarity, completeness, and strong governance from applicants, and many first-time applicants underestimate the iterative nature of the review process. Responding to inquiries without seasoned guidance can result in missed expectations or extended timelines.
Pohl Consulting and Training, Inc. offers end-to-end application support, including regulator communication guidance, documentation preparation, and readiness assessments. We built this offering because institutions told us they needed a partner who understood both the substance and the nuance of preparing a successful trust charter.
Regulatory bodies typically look for a well-defined board, experienced management team, clear segregation of duties, and robust risk oversight. Many start-ups struggle to build governance that is both regulator-friendly and operationally practical.
Pohl Consulting and Training, Inc. assists in designing governance frameworks, including board structure, committee design, and key management responsibilities. We created this service because new organizations often needed help establishing the governance rigor required for approval and sustainable operations.
Emerging trust companies frequently underestimate the setup work required: policies, procedures, technology, vendor selection, staffing, training, risk oversight, and compliance systems. Launch delays often stem from underdeveloped operational plans rather than regulator issues.
Pohl Consulting and Training, Inc. provides operational readiness consulting, ensuring systems, workflows, and controls are in place before launch. We developed this offering because founders needed a practical roadmap that turned regulatory approval into a functioning fiduciary business.
Regulators closely monitor early operations, and many new trust entities struggle to maintain documentation, reporting, and internal controls during the initial growth phase. Without experienced guidance, small gaps can lead to early exam findings.
Pohl Consulting and Training, Inc. offers post-charter support, helping institutions refine processes, strengthen oversight, prepare for first examinations, and establish sustainable compliance routines. We created this service because many new trust companies needed hands-on help transitioning from “approved” to “operationally sound.”
Start-ups often struggle to balance the need for experienced fiduciary staff with budget constraints. The industry norm is to begin with minimal staff, but the wrong mix (or insufficient depth) can create risk and stall early momentum.
Pohl Consulting and Training, Inc. helps design start-up staffing structures, including role definitions, hiring priorities, and phased staffing plans aligned with projected growth. We introduced this service because new entrants consistently asked for guidance on how to build a capable, scalable team without overextending resources.
Without benchmarking, new trust companies often replicate fee schedules from other institutions or create pricing without fully understanding competitive norms. This can lead to revenue issues, client pushback, or examiner scrutiny.
Pohl Consulting and Training, Inc. applies PriceCompare and market analysis to help new trust entities establish transparent, competitive fee schedules. We created this service because early pricing decisions are foundational to long-term profitability and must be correct before launch.