Businesses and Their Owners

It is one of the least-exploited opportunities of business ownership: How you structure your business's assets today may well have a greater impact on your family's wealth than how you negotiate your multiple on the day you finally sell.

While Fieldpoint Private is highly adept at business cash management, working capital and commercial mortgages, our orientation is toward each client's entire wealth picture. So we tend to think not only in terms of transactions and execution, but also in the larger terms of ownership structure, valuation, risk & asset concentration, liquidity and wealth transfer.

It's the kind of difference in approach you would expect from a firm founded by business leaders.

Commercial Lending

Working capital loans
Term loans
Commercial mortgages
Capital call lines of credit
Construction loans
Letters of credit

Enterprise Cash Management

Operating accounts
Extraordinary levels of FDIC deposit insurance on CDs1      
Business sweep option
ACH transfers
Online billpay and presentment
Payroll services
Custom reporting & multi-level account access
International wire transfers with currency conversion
Remote deposit capture
Attorney escrow & IOLTA accounts2

Wealth & Succession Planning

Pre-sale wealth structuring
Business succession planning
Family and philanthropic wealth transfer planning
Asset location and protection
Tax optimization
Corporate trustee review

Investment Advisory

Investment planning and investment policy statement
Asset allocation and portfolio construction
Investment manager selection including equities, fixed income, hedge funds & private equity
Hedging and monetization
Capital markets
Risk management for concentrated positions

1. Coverage through CDARS (Certificate of Deposit Account Registry Service), a service of Promontory Interfinancial Network, LLC
2. IOLTA accounts - Master & sub-accounts with the ability to forward interest payments to IOLTA trusts in CT, NY