Safety of Assets

An independent custodian, Trust Company of America’s primary responsibility is ensuring the safekeeping of investment assets. From stocks and bonds to mutual funds and exchange traded funds, we are responsible for securely holding the securities, along with cash deposits and their equivalents.

While Trust Company has also developed a host of value-add services and programs to enhance the investment advisor’s business, our reputation has been built upon this foundation of safety and stability.

Highly Regulated

As a Federal Deposit Insurance Corporation (FDIC) insured depository, Trust Company complies with federal statutes and regulations.

Trust Company is also supervised and examined by the Colorado Division of Banking and is bound by Colorado State Banking Commission regulations. These require that we segregate a substantial amount of capital, based on the total value of the assets held in custody, and mandate that we invest Trust Company assets only in investments permitted by statute.

Trust Company investment policies state that uninvested deposits must be placed in money market accounts backed by investment grade debt instruments including corporate and municipal bonds, obligations of the U.S. government and its agencies, mortgage-backed securities, and collateralized mortgage obligations.

FDIC Insured

Through Trust Company's charter with the FDIC, an independent agency of the U.S. government, investors' cash deposits are insured up to $100,000 per account and up to $250,000 per retirement account. Non-deposit investments are not insured by the FDIC.

In addition, we are subject to frequent and comprehensive examinations and extensive oversight designed to ensure that Trust Company is financially sound, follows acceptable operating procedures, and is complying with all regulatory standards.

More detailed information regarding FDIC standards is available at www.fdic.gov, within the Regulation & Examinations section.

Bonded and Insured

At the corporate level, Trust Company of America insurance coverage includes $10 million for Financial Institutions Bond/Computer Crime (Fidelity), $10 million for Bankers Professional Liability (E&O), and $10 million for Directors and Officers Liability (D&O). In addition, each of our employees undergoes thorough pre-employment security screening and background checks.

Business Continuity

The secure 60,000 square foot facility that serves as Trust Company’s headquarters features monitored 24-hour surveillance cameras and card-key access. Protected from power surges and outages, our data center and administrative centers are also connected to emergency generators, which provide backup power in the event of a power outage. In addition, an active business recovery plan, including daily data backup procedures, routine off-site storage backups, and regular checks of our recovery site, helps ensure uninterrupted service and data security.