Institutional Trust

Fulton Financial Advisors

Our array of Institutional Trust Services are offered though our investment company, Fulton Financial Advisors:

Charitable and Endowment Services

Your Advisor is committed to supporting the unique needs of your not-for-profit organization. The development of a sound investment strategy is focused around your organization's specific objectives for growth and income. Fulton Financial Advisors is a single source provider offering a consultative approach and wide range of services to meet the unique needs of charities, churches, endowments, foundations and non-profit organizations.

As a client you will have access to a broad range of services including:

  • Sophisticated investment management for short, intermediate and long term goals
  • Continuous monitoring of your investment objective
  • Regular face-to-face meetings to review investment performance
  • Socially conscious investing customized for your organization
  • Easy to understand statements and internet access to account information.

If you are an individual considering a major gift to a registered charitable organization, your Advisor can work with you to determine the best way to fulfill your philanthropic wishes by using a charitable trust if appropriate to your situation. Your Advisor will work with you to determine the right product to suit your individual goals and provide you access to the following services:

  • Custom Charitable Remainder and Charitable Lead Trusts
  • Comprehensive Investment Management
  • Trustee Services
  • Tax management strategies
  • State of-the-art planned giving software

Cash Reserve Investment Management

As a financial manager, you most likely have unique needs for the management of the cash flow of your business. When cash accumulates beyond working capital needs, we offer an extremely innovative product that combines daily liquidity and enhanced investment return. One of our Advisors can work with you to put our CRIM, Cash Reserve Investment Management Account to work for your business. Utililizing the CRIM account, you will enjoy the following benefits:

  • Preservation of your principal
  • Optimization of returns through variation of liquid investment
  • Continuation of high issue credit quality
  • Customization of strategy to meeting your liquidity needs

We believe that active management of your organization's cash holdings can earn a competitive return without exposing your assets to unnecessary credit risk.

Retirement Plan Services

Fulton Financial Advisors can offer efficient retirement benefit solutions customized to suit your business needs. If your organization already has an existing plan, or is considering starting a new plan, your Advisor can work with you to find the right plan to suit your business goals. Our comprehensive services include:

  • Investment Management with a wide range of options
  • Feasibility and plan design consulting
  • Employee communication and investment education
  • Participant recordkeeping
  • Legal and compliance reporting and testing
  • Complete account administration
  • Internet based account information access
  • Customized plans - 401(k), SEP, Defined Benefit Plans, Profit Sharing Plans, Money Purchase Plans, Simple 401(k) and IRA plans

Corporate Trust

Bond Issue Services:

The affiliate banks of Fulton Financial Corporation provide Corporate Trust services for issuers of debt instruments, most commonly tax-free municipal bonds issued by clients who are municipalities, school districts, and municipal authorities. We provide full control and complete record keeping for a debt instrument issuer. Corporate Trust services include:

  • Indenture Trust
  • Transfer Agent
  • Paying Agent
  • Registrar
  • Defeasance Escrow Agent
  • Bondholder Reporting

Stock Transfer Services:

For publically traded corporations, including Fulton Financial Corporation, we provide Stock Transfer services for our client's common stock. Stock Transfer services include:

  • Stock Transfer Agent
  • Paying Agent
  • Registrar
  • Dividend Reinvestment Plan Agent
  • Shareholder Reporting

For more information, please visit the Fulton Financial Advisors website at

Charitable and Endowment Services, Cash Reserve Investment Management, Retirement Plans Services, and Corporate Trust are not affiliated with Raymond James Financial Services, Inc.

Fulton Financial Advisors operates through Fulton Bank, N.A. and other subsidiaries of Fulton Financial Corporation.

Securities and Insurance Products:
•Not FDIC-Insured •Not Insured by any Federal Government Agency
•No Financial Institution Guarantee •Subject to Risk •May Lose Value
•Not a Deposit