Cash Management

StateTrust's cash management service Cash Plus has been designed to provide an integral solution to managing liquidity and cash.  Our cash management service provides added convenience in all aspects of managing cash, account activities, cash-flows and reporting.

The principal benefits of our Cash Plus cash management service are:

  • Creation of one or more portfolios with multiple accounts in multiple currencies.
  • Detailed portfolio reports with emphasis on activity details and record keeping.
  • Powerful, easy to use cash and wealth management tools.
  • A complete portfolio snapshot on one comprehensive statement.
  • Unlimited check writing, online bill payment capabilities, daily cash sweep, direct deposit, and automated voice-response service.
  • A Visa® debit card to easily access your cash worldwide through global ATM networks.
  • SIPC and excess account insurance protection.
  • Robust tools for helping clients assess portfolios, quantify gains and losses, and see the impact of market conditions.
  • Quarterly Performance Reports.
  • Continuous compliance monitoring for safeguarding our clients' money controls.

Our Cash Plus cash management solution turns an ordinary investment account into a powerful asset management tool that consolidates your investing, checking and Visa card services into one convenient account.

Standard Premium
  • FDIC Insured Deposit Program (*)
  • Comprehensive Tax Lot Statement
  • Free Initial Order of Standard Checks
                            Payee Enhancement
                            Expense Coding

Good Cash Flow Management

At StateTrust we assist clients with cash flow analysis such as the impact of cash flows on savings objectives, expenses (monthly and otherwise), short-term and long-term goals, and overall financial condition. With these factors in mind, we take a structured approach to create an adequate system of cash flow that leaves our clients well-prepared for any eventuality.  We will examine your income, current financial information, and spending habits to help you set specific financial  targets, spend and save within a manageable budget, and monitor your overall financial plan.

Good Cash Flow Management allow clients to:

  • Evaluate  their income and saving needs.
  • Analyze and plan their expenditures.
  • Set up an emergency cash reserve.
  • Establish an investment plan.
  • Determine discretionary income.


Understanding your cash flow and estimating your budget is a critical activity. The following items will help you to establish and evaluate your budget:

  • Monthly income.
  • Monthly expenditures.
  • Percentage of income allocated to savings.
  • In any savings program prioritize tax-deferred  plans like IRAs.
  • Set-up an emergency fund.
  • Establish short term and medium term goals.
  • Focus on long term goals (educational planning, retirement)
  • Engage a qualified tax planning professional.
  • Avoid cash flow surprises by analyzing your different insurance needs and coverages.

Once your budget is established,  it should provide a sense of purpose and direction. We can  then work with you  to create a savings  and  investment plan that will suit your current needs and help you  reach your  goals.

Events that Impact Cash Flow

The following events should be considered when estimating cash flow needs :

  • Change of your marital status.
  • Starting a family.
  • Purchasing or selling a home(s)/real estate property.
  • Opening your own business(es).
  • Paying for college education(s).
  • Caring for older parents.
  • Retirement.

Good cash flow management helps you increase your net worth. Building and estimating it involves a complete understanding of all your assets and liabilities.  The following steps will guide you in assessing your net worth:

  • Start by listing your largest assets. For most people, this would include their home and possibly vehicles. Make sure you use accurate estimates in current dollars.
  • Next, you'll want to gather your latest statements for your more liquid assets. This includes checking and savings accounts, cash, CDs or other investments such as retirement accounts.
  • Finally, consider listing personal items that may be of value. This could include jewelry, coin collections, musical instruments.
  • Now, take all of the assets you have listed in the first three steps and add them together. This number represents your total assets.
  • It is time to look at liabilities. Again, start with the major outstanding liabilities such as the balance on your mortgage or car loans and list those.
  • Next, list all of your personal liabilities such as credit cards, student loans, or any other debt you may owe.
  • Add up all of your liabilities to come up with a total.
  • Finally, subtract the total liabilities from the total assets and you will have your net worth. This becomes a starting point from which to compare against in the future.
  • Repeat this process once a year and compare it with the previous year's number. You can then determine if you are making progress on increasing your net worth.

Your net worth can be a useful tool to measure your financial progress. It is essentially a grand total of all your assets minus your liabilities.

Assets Liabilities
Checking/savings accounts Credit card/charge card debt
Money market/fund accounts Mortgages
Insurance policies Income taxes
Certificates of deposit/treasury bills Personal/auto loans
Stocks/bonds/securities 401(k) loans
Mutual funds Medical bills
Partnerships Home equity loans
Pension funds Student loans
IRAs Alimony
Employee savings plans (401k) Child support
Real estate holdings
Valuable collectibles/jewelry

Once we have appraised your net worth, StateTrust can develop a customized road map geared to increasing your assets, reducing your  liabilities and helping you reach your financial aspirations.