Important Message Log In Locations/ATMs Español Search Personal Business Trust & Investment About Investment Management Philosophy Our core philosophy centers on asset allocation, diversification, and low cost investment vehicles. Asset allocation—the percent to which a portfolio is invested in various asset classes (for example: stocks versus bonds)—is the most critical decision in portfolio management as it provides a balance between risk and reward. We do not take unwarranted risk in an attempt to beat the market. Once asset allocation is determined, risk is minimized by diversification across asset classes. Approach We implement a core–satellite approach primarily through the use of broadly diversified mutual funds which capture the broad equity and fixed income markets, both domestically and internationally. Depending on your time horizon and capacity for risk, the core investment vehicles are enhanced with the use of lower correlated satellite asset classes which help to reduce portfolio volatility and increase expected returns over time. We have access to some of the lowest cost funds available, which helps to increase net returns without additional risk. Fees As a fee-only fiduciary investment manager, we do not accept commissions of any kind. Therefore, our judgment is not influenced by the possibility of receiving compensation for any transaction we might make. Our fee is based on the market value of your account. If the account goes down in value, our fee goes down proportionately. This means our financial interests are in alignment with yours. Our Services Trust Administration Retirement Accounts Estate Settlement Contact Us Meet Our Team Our team is comprised of a group of certified individuals in the areas of trust administration, estate settlement, retirement plan management and investment management. With combined financial experience of over 250 years, our team has the capacity and expertise to provide personal services tailored to your financial needs.We have offices located in Santa Rosa, Roseville and Silicon Valley. Meet Our Team Deposit and loan products are offered by Exchange Bank, Member FDIC and Equal Housing Lender. Trust and investment management services are offered by Exchange Bank Trust and Investment Management. Exchange Bank investment products are: Not a deposit Not FDIC insured Not guaranteed by the Bank Not insured by any federal government agency May go down in value Always consult with your independent attorney or tax advisor before making any tax-related financial decision, or changing or implementing any financial, tax or estate planning strategy. Learn more About us Careers News Room Privacy & Security Financial Calculators Locations Coronavirus Info Contact Click here to see our Investor Relations Give Feedback Wildfire Info Privacy Security © 2007-2021 Exchange Bank. All Rights Reserved. Phone (707) 524-3000 or (916) 771-5262 This site contains links to other web sites, in order to assist users in locating and accessing information that may be of interest. Exchange Bank does not warrant linked sites for any purpose. Further, the inclusion of a link to another site does not constitute an endorsement by Exchange Bank of the site, its owner(s) or any products or services advertised on the linked site. Routing #: 121101985 Facebook Twitter Linked In Cookie Policy. eb logo on Performance cookies eb logo on 3rd party cookies