Nonprofit management. An integrated approach to helping you fulfill your mission
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1 Nonprofit management An integrated approach to helping you fulfill your mission
2 Institutional Investments & Philanthropic Solutions (II&PS) is part of U.S. Trust, Bank of America Corporation (U.S. Trust). U.S. Trust operates through Bank of America, N.A. and other subsidiaries of Bank of America Corporation (BAC). Bank of America, N.A., Member FDIC. Banking and fiduciary activities are performed by wholly owned banking affiliates of BAC, including Bank of America, N.A. Bank of America, N.A. and U.S. Trust Company of Delaware (collectively the Bank ) do not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Bank of America, N.A. makes available investment products sponsored, managed, distributed or provided by companies that are affiliates of BAC or in which BAC has a substantial economic interest, including BofA Global Capital Management. This publication is designed to provide general information about ideas and strategies. It is for discussion purposes only, since the availability and effectiveness of any strategy are dependent upon your individual facts and circumstances. Bank of America, N.A. is not a tax or legal advisor. Always consult with your independent attorney, tax advisor, investment manager, and insurance agent for final recommendations and before changing or implementing any financial, tax, or estate planning strategy.
3 Your success is our mission U.S. Trust Institutional Investments & Philanthropic Solutions (II&PS) helps you anticipate and address your nonprofit organization s or institution s needs and provides ongoing guidance on industry-wide best practices in governance, strategic resource development and administration. Our dedicated team of specialists provides a mission-based approach to investment management. We adhere to the bank fiduciary standard when managing your investment portfolio, which means our focus is on your nonprofit s needs and best interests. We deliver our experience, innovation and thought leadership through a holistic approach to help you fulfill your mission and pursue your broader goals.
4 A dynamic relationship focused on you U.S. Trust understands the complex needs of nonprofit organizations and institutions. As a nonprofit focused on positive change, you want to work with a team who truly understands the breadth of issues you face and can assist you in building an effective plan that helps fulfill your mission. Beyond maintaining operational efficiency and productivity, nonprofits are equally challenged by uneven markets, growing competition for donations and increased fiduciary requirements. U.S. Trust has extensive experience navigating such complexities and can provide you with the unique set of strategic planning, portfolio management, administrative and advisory solutions needed by your organization. When you work with U.S. Trust, you can expect a thoughtful, thorough approach delivered by a team assembled specifically for you. We make your concerns a priority and leverage our experience, resources and wide spectrum of services to tailor solutions to help you pursue your goals. We serve a wide range of nonprofits across many sectors, including: Expertise in serving nonprofits like yours Bank of America has relationships with 86% of the Top 100 nonprofits and with 23 of the top 25 1 $20.3 billion in client assets for institutional nonprofits 2 Arts, culture and humanities Educational International Environmental and animal welfare Health care and human services Religious 1 The NonProfit Times, November Bank of America. Global Wealth and Investment Management (GWIM), the wealth and investment management division of Bank of America Corporation. As of March 31, 2014, GWIM had approximately $20.3 billion in client assets for institutional nonprofit clients. Client assets consists of the following assets of nonprofit clients held in their GWIM accounts: assets under management (AUM) of GWIM entities, client brokerage assets, assets in custody of GWIM entities, deposits of GWIM clients held at Bank of America, N.A. and affiliated banks and assets in custody included in AUM.
5 A CONSULTATIVE, HOLISTIC APPROACH As your advisor, our approach is to help anticipate your needs, keep you informed of external factors impacting your nonprofit organization, and monitor investment results and mission fulfillment on an ongoing basis. GUIDANCE ON BEST PRACTICES Helping you fulfill your mission is about more than beating a benchmark. It s a holistic look at the things that help you pursue your goals asset management, governance, spending policy, donor development and administration. goals-based investing Our investment management process is built according to your specific needs and supports your ability to fulfill your mission both now and in the future. governance and administration We help your organization facilitate compliance and improve efficiency by assisting you with risk assessment, establishment of protocols, development and implementation of policies and procedures, and assignment of resources. 03
6 our regional offices are strategically placed throughout the country to provide your nonprofit organization with responsive, reliable service and highly specialized intellectual capital. Gillian Howell, Managing Director U.S. Trust Institutional Investments & Philanthropic Solutions II&PS is positioned nationally in more than 20 locations and represented locally by more than 170 seasoned professionals. 3 We serve thousands of nonprofit clients across the United States by providing advice on industry-wide best practices and devising highly customized, mission-focused solutions. 3 Source: II&PS, March 31, 2014.
7 Specialists dedicated to supporting your goals and mission Your relationship with U.S. Trust begins by meeting with our team of experienced professionals. Our team is comprised of seasoned professionals who have either studied nonprofit management or spent years getting hands-on nonprofit experience. In some cases, they have done both. They typically spend their working hours advising clients on many aspects of nonprofit investing, administrative management, philanthropic motivations and strategic execution. They also serve their communities with a great deal of volunteer time. Your dedicated team is carefully selected based on your organization s unique needs, and it will always include a philanthropic specialist. We routinely meet with key stakeholders; and, from time to time, we may even sit in on board meetings to get to know how your nonprofit operates and learn how we can best assist you and your colleagues. managing your nonprofit Our specialists can assist you with many aspects of managing your nonprofit, including: planned giving Board education fiduciary services Strategic planning We also provide a tailored strategy that addresses investment and fundraising needs, resource issues, governance and fiduciary requirements, and stakeholder responsibilities all to help you steadily push forward to pursuing your goals and fulfilling your mission. The interests of your nonprofit benefit from our prudent investment management processes, which apply reasonable care, skill and caution in portfolio construction. 05
8 Earning your confidence When we manage your investment portfolio, we are held to the bank fiduciary standard. That means our focus is on your organization s needs and best interests. We offer informed advice based on extensive analysis of financial markets and macroeconomic trends as well as a thorough understanding of your needs. Our discipline and commitment should serve as a resource in today s economic environment as well as in the years to come.
9 The Bank Fiduciary Standard putting your interests first Our professionals serve clients investment interests with the fiduciary standards of integrity and accountability. When we manage your investment portfolio and serve as your fiduciary, our focus is on what best meets your organization s objectives and expectations in fulfilling your mission. MEETING our obligations Government regulators examine our fiduciary activities to assess continuous compliance regarding our responsibilities to our clients. Through a prescribed process, we review fiduciary accounts to see that fiduciary investment standards are being met and that the accounts are being administered in accordance with the investment and spending policies. Our team also provides nonprofit organizations and their donors with comprehensive trustee and agency services, as needed from investment management and trust administration to custody and reporting services. Helping board members meet their fiduciary responsibilities Just as we have our own fiduciary standards and requirements, so do you. As board members and investment committee members, you are well aware of your obligations to bring the highest levels of ethical conduct to the operation and ongoing management of your nonprofit s portfolio. We strive to support your fiduciary obligations by serving as your advisor demonstrating and executing investment oversight beyond the traditional consulting or money manager role. 07
10 A goals-based approach to investing The goal of our investment management focus is to help your nonprofit fulfill its overall mission. II&PS brings significant experience and the wisdom gained from managing $20.3 billion in assets for institutional nonprofit clients when addressing your organization s unique challenges and financial goals. We follow two fundamental investment principles directly linked to helping fulfill your mission: 1. Supporting sustainable, predictable spending 2. Preserving and growing portfolio capital The real benchmark is having the funds you need to fulfill your mission-driven goals in both the short and long term. Driven by a distinctive view of a nonprofit s needs Some investment providers and consultants may operate on the premise that manager selection and returns are the most important aspects of successful portfolio management, but those are not the only benchmarks for success. We extend our focus to building portfolios that help generate the cash flow needed by our clients to fulfill their missions and help ensure real purchasing power over time. Once that strong, strategic foundation is in place, we use our extensive research and analytical capabilities to track your portfolio s performance and make ongoing adjustments for market fluctuations and volatility appropriate to your goals, factoring in your risk constraints, cash flow and liquidity needs. Holistic, end-to-end fiduciary process U.S. Trust offers a strong investment solution that helps support the many facets of your mission now and into the future. We follow a multilayered process based on comprehensive due diligence and a commitment to open architecture. The intended outcome is a tailored investment strategy customized to your organization s specific situation and level of complexity.
11 OUR FIDUCIARY INVESTMENT PROCESS DISCOVERY & DIAGNOSTICS Discovery and diagnostics focused on your organization s unique characteristics and needs, with special emphasis on the linkages between your spending policy and investment policy ASSET ALLOCATION Rigorous strategic asset allocation based on a comprehensive range of forward-looking perspectives on market returns and risks INVESTMENT MANAGER SELECTION Identification of a highly effective combination of managers to implement each asset class within a comprehensive due diligence and selection process PORTFOLIO CONSTRUCTION & OPTIMIZATION Stringent process of combining, testing, recombining and retesting the selected managers to optimize the portfolio MONITORING & REPORTING Measurement of success against objectives, benchmarks and the Investment Policy Statement with ongoing monitoring to help ensure the alignment of strategy, needs and cash flow objectives 09
12 Whether your nonprofit inspires minds through education or saves lives with groundbreaking discoveries, our professionals begin a relationship with you by developing a deep understanding of your vision, strategic priorities and organizational goals. We then advise you on industry-wide best practices with a strong focus on governance reviews, donor development strategies and board and staff education.
13 Services tailored to your nonprofit s needs U.S. Trust offers a wide spectrum of capabilities from open architecture investment solutions to strategic advice and consulting. We also offer nonprofit management services to help develop or refine your controls so the duties of care, loyalty and compliance are adequately documented and decisions made by the governing body are focused, well-informed and address conflicts of interest. strategic planning and advice investment policy statement development and refinement Spending policy analysis Customized investment strategy design fiduciary, governance and risk management assistance and education Donor development planning review of gift acceptance, conflict of interest, endowment and other policies, as appropriate Board education evaluation of development strategy mission and case statement evaluation portfolio management fiduciary investment management open architecture investment platform investment manager evaluation, selection and oversight portfolio construction and rebalancing Customized asset allocation alternative investments 4 Socially responsible investment strategies (for qualified clients) performance reporting evaluation, management and liquidation of nonfinancial assets investment-only mandates Cash and liquidity management administration and recordkeeping Comprehensive services for nonprofits, foundations and qualified planned giving programs Custody and recordkeeping Sub-fund accounting services assistance with valuation of contributed security and nonfinancial assets 4 Alternative investments such as derivatives, hedge funds, private equity funds and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in alternative investments, you should consider your overall financial situation, how much money you have to invest, your need for liquidity and your tolerance for risk. Alternative investments are intended for qualified and suitable investors only. 11
14 Learn more about our nonprofit management and institutional investing services For more information about how U.S. Trust can help meet the challenges facing your nonprofit organization or institution, please contact your advisor or us at
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