Trust | Wealth Advisors

Important Disclosures

Bank and regulatory identification

Park State Bank & Trust is a Colorado state-chartered bank and Member FDIC (Certificate #19381). Trust powers are exercised under the authority granted by the Colorado Division of Banking and the FDIC. Trust | Wealth Advisors is a division of Park State Bank & Trust.

Distinction between deposits and investments

Deposit accounts held by the bank as trustee or in other fiduciary capacities may be eligible for FDIC insurance under the applicable deposit insurance rules. Securities, mutual funds, and other investment products held in trust or advisory accounts are not FDIC-insured, even if purchased or held through the bank.

Informational nature / no advice

Information on these pages is for general informational purposes only and does not constitute an offer to provide fiduciary, investment, tax, or legal advice, nor a solicitation to buy or sell any security or investment product. No client relationship is formed by visiting these pages or contacting the bank. Any engagement requires a formal agreement.

Professional advice

Estate planning, tax, and legal matters should be reviewed with your independent attorney, CPA, or other professional advisors. The bank does not provide legal or tax advice.

No guarantee of results

There is no guarantee that any investment strategy, financial plan, or trust administration outcome will achieve its objectives. Market values fluctuate and principal may be lost.

Third-party platforms (if applicable)

Certain investment management, custody, or advisory services may be provided through third-party platforms (for example, Schwab or other custodians). Those platforms are separate from the bank.

Oversight note (optional but consistent with earlier messaging)

Trust administration and related activities are subject to oversight by the bank’s Trust Committee, Board of Directors, independent CPA examination, the FDIC, and the Colorado Division of Banking.