Fees and Services – Sunstone Trust Company

Fees and Services.

We will provide you with individualized service and attention. We take the time to understand your needs, goals, and family dynamics. We specialize in handling unusual assets and complex situations. We work with your advisors to administer your assets in a tax-optimized way.

No client is exactly like another client. Therefore, the services we provide and the fees we charge vary from client to client. We will be clear and transparent about the fees we will charge you. Please call us or make unlimited use of our intelligent website chat service and we will answer all of your questions!

All services and fees are customized to you.

In general, the more assets you entrust to us, the lower percentage your fee will be. Below is a partial summary of fees that we would charge with respect to a typical portfolio of stocks, bonds, ETFs and mutual funds. Please keep in mind that additional or different fees will apply to you based on your exact circumstances and the exact fee arrangement we customize for you.

You ask Sunstone Trust Company to:Exercise our discretion and actively manage your IRA portfolio.

You or your independent investment adviser:Make the investment decisions and we act as corporate trustee for the trust holding those assets, including providing administrative, safekeeping, accounting, and other services for your trust.

Marketable Value

Annual Fee

On the first $1 million

1.25%

On the first $1 million

.65%

On the next $4 million

1.00%

On the next $4 million

.55%

On the next $5 million

.75%

On the next $5 million

.40%

On the next $15 million

.50%

On the next $15 million

.25%

On the next $25 million

Customized

Over $25 million

Customized

Market Value	Wealth Builder Annual Fee (minimum $1,000 annual fee)
Less than $1 million Wealth Builder accounts Unique in the trust and fiducary industry, we are pleased to welcome clients regardless of their account size. For our clients with less than $1 million in assets, we will provide them with true fiduciary, active management services and transition these clients to our AI-powered digital website chat service for all customer service needs. We expect that our digital chat service will be available in early 2022.
First $100,000	1.35%
Next $400,000	1.15%
Next $500,000	1.00%
Over $1 million	Move to our regular fee schedule with in-person service

Here are some examples to help you understand the range of services we provide and the fees we charge. These examples are illustrations only and do not describe actual clients.

Remember, all services and fees are customized to your situation.

Wealth Builder Example — Christine saved $350,000 in her Individual Retirement Account (IRA) and wants us to professionally manage her account:
Christine will pay us an annual fee of approximately 1.20% to manage her IRA on a fiduciary basis. Our team of investment specialists will invest the IRA assets based on when Christine plans to retire
and Christine’s other needs and goals.

Special Needs Trust Example – A family has a child with special needs and the family has set aside $1.1 million in assets to provide for the child’s needs. Sunstone Trust Company is
happy to act as trustee for a special needs trust. For a special needs trust of this size, we would charge an annual fee of 1.50% plus certain annual fees and setup fees. (These are specialized trusts and require additional care and attention.)

High Net Worth Family Example – The Nguyen family trust owns a portfolio of assets, including commercial real estate, rental residential real estate, a securities portfolio and a closely-held business with a total portfolio value of $50 million. The family wants Sunstone to act as corporate trustee for the family trust and to provide full fiduciary asset management services. Our professionals will evaluate each of the assets carefully and discuss the family’s needs and goals in depth. In situations like these where the assets are complex, several types of fees apply. However, a blended rate of approximately 0.60% would be typical.

Sunstone is a trust company chartered by the State of California (Certificate of Authority No. 2676). Sunstone is also a member of the Association of Trust Organizations, the Long Beach Area Chamber of Commerce, and the Greater Irvine Chamber.

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Sunstone Trust Company
18881 Von Karman Avenue
Irvine, CA 92612

+1 (949) 266-9349

Fees and Services.

All services and fees are customized to you.

Ensure Your Legacy.