Providing tailored services, impartial administration, and compassionate support to help trust beneficiaries gain clarity, confidence, and peace of mind.
140+
delivering premier trust and estate administration, education, and client service.
1300+
planning, preserving, and protecting their legacies.
$11B+
under our administration.
Cumberland Trust’s approach to personal trust administration can help to preserve wealth, protect harmony, and maintain trusted advisor relationships. Our service model is designed to deliver tailored, high-touch support with empathy, neutrality, and lasting reliability.
Our directed trust model integrates seamlessly with clients’ existing advisory teams. Working alongside clients’ chosen teams of financial, legal, and tax advisors, we provide experienced personal trust administration, compassionate hands-on service, and tailored support.
When clients need distribution decisions or strategic support, we provide creative solutions with care and efficiency, offering flexibility and attentiveness for time-sensitive needs.
As a corporate entity, we offer stability and longevity for lasting trust relationships. With more than 25 years of operations and executives averaging 30+ years in the industry, we deliver the continuity that helps protect legacy.
We act as a neutral trustee, implementing the grantor’s or testator’s wishes objectively and thoughtfully to help promote harmony.
We maintain fewer client relationships per trust officer than many larger institutions. This gives our professionals time to truly understand each beneficiary’s situation, answer questions thoroughly, and build the kind of relationship clients need. Beneficiaries have a reliable resource for questions, updates, and support.
We offer customized personal trust services to meet the needs of beneficiaries. Some examples of the types of trusts we administer include:
As an independent trustee, we administer trusts according to the terms and governing law for the benefit of the beneficiaries. We work with beneficiaries fairly and impartially with neutrality, consistency, and care.
As co-trustee, we serve alongside a family member or other individual. This setup is ideal for clients who want the personal involvement of a family member or individual with the objectivity and technical expertise of a corporate trustee.
As an estate executor or postmortem trustee, we ensure assets are collected and properly administered, obligations are satisfied, and property is distributed to or for the beneficiary(ies). This role eases the burden while ensuring estate plans are carried out.
As an agent-to-trustee or an executor, Cumberland Trust can provide technical support for duties such as fiduciary accounting, maintaining records, fulfilling distributions, and facilitating tax reporting.
We are headquartered in Nashville, Tennessee, with an additional 10 offices throughout the country. Our experienced team of 140+ professionals works with clients and their advisors nationwide.
SUCCESS STORY
For many high-net-worth clients, it’s not uncommon for family members to wear many hats. See how four families took control of their financial futures with the help of Cumberland Trust.
Whether you are evaluating trustee options or navigating current trust questions, our team can help. Connect with a Cumberland Trust professional to discuss your goals and explore personal trust administration solutions built around clarity, collaboration, and care.
Appointing a corporate trustee can be the right choice for grantors or beneficiaries looking for experience, continuity, objectivity, and minimized conflicts of interest. A corporate fiduciary like Cumberland Trust brings long-term stability to personal trust administration, works with modern family dynamics, and ensures the trust is administered per the terms of the trust instrument(s).
A directed trust separates trust administration from investment management. This allows beneficiaries to retain their existing financial advisor(s) while Cumberland Trust provides personal trust administration. Unlike banks or traditional trust companies, we do not compete with financial advisors for their business.
Yes. Cumberland Trust can serve as a co-trustee. The co-trustee arrangement allows for the duty of the trustee to be shared between Cumberland Trust and a family member or close friend. This structure can work well for beneficiaries, allowing for emotional insight from the individual co-trustee while we serve with experience, neutrality, and professionalism.
Fees for our personal trust administration services are separate from the investment management fees charged by a beneficiary’s financial advisor. Cumberland Trust charges for administrative responsibilities, which include, but are not limited to, relationship management, record-keeping, and tax filings based on the terms of the trust. This separation supports our role as an independent trustee and helps avoid the conflicts of interest sometimes found when the trustee also handles the investment management of the trust.
