Malvern Federal Private Banking

Relationships matter

Malvern specializes in tailored investment solutions for high net worth individuals like you. We’re focused on freeing you up from day-to-day management concerns so you can achieve your broader goals.

With our insight and expertise, we can help you structure and repurpose your current assets for maximum benefit. We take the time to get to know you and your unique needs and can make sure you’re making the most of your strengths.

Our growing client list includes private investors, trusts, charitable organizations, corporations, entrepreneurs, and hospitals.

 


Deposit Solutions *

As a Malvern client, you’re entitled to a variety of deposit solutions designed to help you manage your cash flows and increase your interest earnings. Whether you’re buying a second home, financing a college education or planning for early retirement, we’ll help you look closely at your financial goals and develop a solid savings plan.

Our deposit services are appropriate for a variety of client types, including private individuals, trusts, companies and charities. All Malvern accounts feature secure and convenient online access and electronic deposits/payments.

Options include:

  • Interest-bearing checking accounts with free, worldwide ATM/debit access.
  • Interest is tiered and compounded monthly.
  • High-yield money market accounts.
  • Certificates of deposit (CD) with flexible terms.
  • CDARS® (Certificate of Deposit Account Registry Service®), a convenient way to access FDIC insurance coverage on high-value CD deposits from a variety of financial institutions, all consolidated into one, convenient statement.
  • ICS® (Insured Cash Sweep®) service, providing the advantage of access to multimillion-dollar FDIC protection through a single participating bank.
  • Domestic and international wire services. Secure email notification for wire transfer completion is available.

* Deposit products FDIC insured

 


Investment Management **

We offer an impressive suite of financial products designed to address all of your investment objectives, including:

  • Stocks, Bonds, Mutual Funds, ETFs.
  • Fee-Based Asset Management Services.
  • Advisory Products.
  • Fixed & Variable Annuities.
  • Life Insurance.
  • Retirement Planning for Individuals and Businesses.
  • College-Savings Plans (529 Plans).
  • Long-Term Care Insurance.
  • Disability Insurance.
  • Unit Investment Trusts.
  • Trusts.
  • Real Estate Investment Trusts.

** Not a Deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, and may lose value.

Investments are managed by Bell Rock Capital, LLC, an SEC-registered investment advisor based in Delaware, with satellite offices in Pennsylvania, New York and South Florida. Bell Rock Capital uses proprietary research as well as technology-driven investment tools to manage client accounts, and conducts fundamental and technical analyses on companies before investing in them.

Bell Rock Capital’s mission is to deliver returns consistent with client goals. Assets are managed on a separately managed account basis—which means a hands-on portfolio for each client, every day.

 


Credit Solutions

Capital Contribution Loans

Malvern offers capital contribution loans for partners and shareholders seeking to increase their equity interest in a business. Benefits of capital contribution financing include interest-only periods, the ability to borrow on an unsecured basis, and the tax deductibility of loan interest. Capital contribution loans can be considered an indirect cost of your primary business function and may be deductible for income tax purposes.*

* Malvern does not provide tax advice. Please consult your tax advisor.

Stock Option Loans

For accounts held in custody by Malvern (either directly or via our broker dealer) we can extend sufficient credit to initiate an exercise of options. By borrowing enough cash to exercise your stock options, you can immediately sell enough of the resulting stock to cover the amount borrowed, along with any accrued interest or fees. You can then use the remainder of the equity to build your investment portfolio.

If you decide to exercise your options and postpone selling until the shares are received, we can loan you up to 50% to 70% of the stock’s current market value to pay for the exercise cost, depending on the method selected. Once shares are received in your account and sold, we credit you with the available funds on settlement date, less any fees and accrued debit interest on the amount loaned.

Real Estate Lending

Malvern provides cross-collateral mortgages that can be used as pledged securities in connection with a down payment to permit financing. Pledging assets, such as securities, may be used as collateral for the purpose of securing debt. These securities would not have to be sold for the down payment, allowing for continued capital appreciation while maintaining the mortgage benefit.

Commercial Loans

We also specialize in a variety of commercial loans to meet your business needs. They can range from a mortgage for a building such as a warehouse, industrial property, multifamily apartment, office building, shopping center, or medical office to a term loan for equipment or a line of credit to manage your cash flow. Our loan officers have, on average, 20 years of commercial lending experience and can make recommendations on all aspects of the loan terms.

Acquisition Financing

Providing a transaction has financial merit, Malvern can offer a variety of structures for acquisition financing. Bridge financing, construction, and land acquisition loans are also available.

Credit Card

Expand your purchasing power with the Malvern Visa® Platinum credit card, plus earn rewards for every qualifying net dollar you spend. For protection while traveling, your Malvern Visa® Platinum card automatically provides Travel Accident Insurance and Auto Rental Collision Damage Waiver.*

* Subject to credit approval. See application disclosures for current terms, rates and fees.

 


Self-Directed IRA **

A self-directed IRA offers you a practically unlimited range of investment options, including:

  • Residential & Commercial Real Estate.
  • Raw Land.
  • Tax Lien Certificates, Foreclosed Property.
  • Promissory Notes.
  • Foreign Currencies.
  • Precious Metals.
  • Oil & Gas Investments.
  • Judgments and Structured Settlements.
  • Private Stock Offerings, Private Placements.
  • Stocks, Bonds, Mutual Funds.
  • Businesses–Limited Partnerships, LLCs and C Corporations.

With Malvern as your account administrator, you have greater flexibility with how you manage risk and the potential for a higher rate of return.

NOTE: Self-directed IRAs are complex legal structures that, if managed incorrectly, can lead to consequences and penalties from the Internal Revenue Service. Please consult your tax advisor for prohibited asset types.

** Not a Deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, and may lose value.

 


Trust and Estate Services

Malvern can offer forward-thinking advice and insight as you plan for the wealth-transfer process. As a corporate fiduciary, we provide unbiased administration as your trustee/executor. Our services are bundled in a cost-effective “turn-key” package and include:

  • Accounting and Monitoring.
  • Investment Management.
  • Asset Protection and Sheltering.
  • Tax-Related Responsibilities.
  • Obligations to Beneficiaries.
  • Oversight of Estate Settlement.
  • Avoiding Conflicts of Interest.
  • Record keeping.

NOTE: There are several estate-planning strategies to consider based on your estate’s value, types of assets, guardianship concerns, and whether the estate will pass through probate court or be protected by a trust.

 


Notices

Products offered are not FDIC insured, are not bank deposits, bank obligations or guaranteed by the bank and are subject to investment risk, including potential loss of principal.

 


The bank that does more.

Chartered in 1887, Malvern (NASDAQ:MLVF) serves as one of the oldest banks headquartered on the Philadelphia Mainline. We focus our lending activities on small- to medium-sized businesses, real estate developers, educational institutions, and high net worth individuals.

Our Private Banking Division comprises our Private Banking group and our partner firm, Bell Rock Capital, LLC. Together, they provide tailored deposit and credit solutions as well as financial services including: brokerage products, insurance and annuities, mutual funds, financial planning, estate and tax planning, trust, elder care and benefit plan administration.