# UMB Financial Services

UMB Financial Services is an Asset Manager based in United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** United States
- **Region:** North America
- **Assets under management:** Undisclosed
- **Website:** umb.com

## Regulatory record

- **CRD number:** 17073
- **SEC file number:** 801-62967
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/17073

## About

UMB FINANCIAL SERVICES, INC. is an SEC-registered investment adviser in KANSAS CITY, MO, registered since 2004. The firm manages approximately $5 million in regulatory assets. It has 55 employees and 54 investment advisers.

## Questions

### How does UMB Financial Services source clients and assets?

Asset flows arrive primarily through the parent bank's commercial, private-wealth, and institutional channels. UMB Bank maintains a concentrated branch footprint across Missouri, Colorado, Arizona, and Texas, and its private-wealth bankers refer business owners, corporate executives, and high-net-worth families into managed-account and mutual-fund programs. The bank's large health-savings-account custody business and institutional trust operations also generate ancillary investment-management opportunities.

### Who regulates UMB Financial Services and UMB Scout Investments?

Both entities are registered investment advisers with the U.S. Securities and Exchange Commission and operate inside a publicly traded bank holding company supervised by the Federal Reserve. This means investment policies, product governance, and fee disclosures are subject to overlapping bank- and securities-regulation frameworks that standalone asset managers do not face.

### Does the firm manage assets for institutional clients beyond high-net-worth individuals?

Yes. UMB Financial Services administers separate accounts and pooled vehicles for corporate pension plans, public retirement systems, and nonprofit institutions, often leveraging the intermediate-duration fixed-income and domestic equity capabilities built inside UMB Scout Investments. The institutional book is smaller than the private-client franchise but has been a steady contributor given the bank's regional relationships.

### How is UMB Financial Services different from a standalone asset manager?

The firm is not an independent partnership or publicly traded pure-play asset manager—it is the investment-advisory division of a regional bank. That structure means distribution is tied to the bank's deposit and lending relationships, compensation is corporate rather than carry-driven, and the product shelf must coexist with the parent's balance-sheet and trust operations. These constraints shape strategy selection, fee architecture, and talent retention in ways that differ from boutique or institutional-only managers.

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Last updated: 2026-06-03T20:00:00.000Z

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