Texas Capital Bank Private Wealth Advisors

The overwhelming majority of clients are introduced through the bank's commercial lending relationships. When a Texas Capital banker is already providing credit to a founder's operating company, the Private Wealth Advisors team is positioned to help that founder — and often the founder's family office — manage liquidity, trust structures, and portfolio assets. The bank does not operate a mass-market wealth acquisition funnel; its model is banker-led and referral-based.

The group uses an open-architecture framework. Clients typically gain access to a CIO-directed suite of separately managed account strategies provided by both internal investment teams and external managers. The platform also facilitates access to third-party mutual funds, ETFs, and private-market opportunities — often the same alternative investment products made available through the bank's institutional relationships.

The parent bank's roughly $30 billion balance sheet is a core component of the value proposition. Private Wealth Advisors clients can obtain custom lending solutions — including aircraft loans, art-secured credit lines, commercial real estate acquisition financing, and liquidity lines structured against concentrated business equity — that a standalone RIA or smaller trust company would need to source externally. Those loans are underwritten inside the commercial bank, not outsourced.

The bank's trust services and certain managed-account programs operate under fiduciary standards, consistent with Texas trust law and applicable regulations. However, as a bank-affiliated wealth group, some parts of the relationship — particularly brokerage services executed through Texas Capital Securities — function under suitability standards rather than an ongoing fiduciary obligation. The specific standard depends on the account type and service agreement.

The group maintains an in-house trust and estate team that administers Texas-situs trusts, which have historically been attractive for families seeking to avoid state income tax on trust income and to benefit from Texas's asset-protection and dynasty-trust statutes. The firm coordinates estate planning, tax preparation, and intergenerational transfer strategies through this internal trust division rather than referring those services entirely to outside law firms.