The Reserve is a national trust company, chartered by the OCC, holding client capital in segregated custody at BNY Mellon. We write a quarterly letter. We do not sell products. Our only fee is on assets under stewardship.
Stewardship is not a product. It is a relationship across decades, written down, and signed each quarter.
Client assets are held by The Bank of New York Mellon, the world's largest custodian. They sit in your name, on the custodian's balance sheet, never on ours.
Every account is governed by the fiduciary standard, written into the engagement letter and recorded with the OCC.
Each quarter, a printed letter from the chief investment officer. Performance, allocation, and a paragraph on what we are watching.
We hold custody, set the strategic asset allocation, and rebalance to mandate. Quarterly written report.
You retain decision authority. We propose, brief, and execute on your instruction within agreed bands.
Trustee services for revocable, irrevocable, and charitable trusts. Tax filings, beneficiary distributions, annual accounting.
The distinction matters when the cycle turns.
"We have been with The Reserve for 19 years across two generations. The letter we receive each quarter is the only quarterly read I keep on the desk."
The fee on assets under stewardship is the only fee. No commissions, no spreads, no twelve-b-one.
Discretionary or advisory mandate for individual investors. Quarterly letter. Annual review meeting.
For professionals and operating-company founders. Liquidity windows, tax-loss harvesting, concentrated stock.
Multi-generational mandate. Trust administration. Foundation governance. Family education.
The Reserve operates under an OCC national trust charter. We do not take deposits and we do not lend our balance sheet. We hold client assets in segregated custody at BNY Mellon.
A printed prospectus, a sample quarterly letter, and the schedule of fees. Posted to the address you provide, with a personal note from the relationship banker.