Coral Gables Trust Company

What Coral Gables Trust Company does

Coral Gables Trust Company is a privately held, Florida state-chartered trust company founded in 2004 and headquartered in Coral Gables. It provides wealth management, trust administration, investment management, and financial planning services to high-net-worth individuals and families, business owners, foundations and charitable organizations, institutions, and special needs trust beneficiaries across South Florida, with stated capacity to serve clients nationwide and internationally. The firm operates through four South Florida offices (Coral Gables headquarters, Fort Lauderdale, Boca Raton, and a Palm Beach location on Bankers Row opened in May 2026), with a relationship-driven, senior-advisor-led distribution model and no proprietary products or in-house custody assets, relying instead on Depository Trust Company and Reliance Trust Company for institutional-grade custody.

The product portfolio is structured around Trust & Estate Services and Investment Management as core offerings, with Directed Trusts, Special Needs Trusts, Financial Planning, Cash Management, Escrow Services, and Estate Settlement Services as complementary modules that span the wealth lifecycle from accumulation to intergenerational transfer. The platform is differentiated by its independent, owner-as-client alignment model (stockholders, directors, and senior officers are also clients), its willingness to handle complex or illiquid assets that larger institutions often decline, and its fiduciary regulatory standing under the Florida Office of Financial Regulations.

The business model is fee-based and recurring, generating revenue from asset-based fees on trust and investment management services rather than from product commissions or proprietary product sales. Assets under management and administration have grown from $1B (2017) to $2.5B (late 2024) and surpassed $4B by mid-2026, supported by office expansion and leadership additions across the C-suite and Senior Vice President ranks. The firm operates with 44 employees and is privately held with no parent company, institutional outside investors, or public listing.

Name

Coral Gables Trust Company

Legal name

The Coral Gables Trust Company

Website

https://cgtrust.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Coral Gables Trust Company is a privately held, Florida state-chartered trust company founded in 2004, providing trust administration, investment management, and financial planning services to high-net-worth individuals, families, foundations, and institutions across South Florida, with $4 billion in AUMA.

Ownership category

akta.pro rank

Product category

Wealth Management and Trust Services

NAICS

Trusts, Estates, and Agency Accounts (52592), Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (525920), Funds, Trusts, and Other Financial Vehicles (525)

akta.pro primary industry

Corporate & Institutional Trust Services (FSAAANAB)

akta.pro secondary industries

Personal & Family Trust Services (FSAAANAA), Trust Administration & Fiduciary Accounting Services (FSAAANAF), Directed Trust & Trust Advisory Services (FSAAANAK), Estate Planning, Trust Structuring & Governance (FSAAADAF), Corporate Trust Services (Trustee, Agent & Escrow Roles) (FSAEAKAB), Trust & Estate Tax Planning & Compliance (FSAEAKAE)

Keywords

• Trust administration services
• Wealth management services
• Estate planning services
• Fiduciary investment management
• Private trust company

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Trust and Wealth Management Services: Fees from managing trust assets, investment management, estate planning, and fiduciary services for high-net-worth clients including families, foundations, and institutions

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

The Coral Gables Trust Company is a Florida state-chartered trust company that delivers trust and estate administration, investment management, directed trusts, special needs trusts, financial planning, escrow and cash management, and estate settlement services to affluent individuals, families, business owners, foundations, charitable organizations, and institutions. It charges fee-based, recurring compensation for fiduciary and wealth management services, holding client assets in custody through DTC and Reliance Trust, and concentrates on complex and illiquid assets that many larger competitors avoid.

Product overview

Coral Gables Trust Company offers an integrated suite of wealth management and fiduciary services centered around its core trust administration platform. The product portfolio is organized around a multi-module service model led by Trust & Estate Services and Investment Management as primary offerings, supplemented by specialized trust products including Directed Trusts for advisor-managed investment scenarios and Special Needs Trust for beneficiaries requiring government benefit preservation. Financial Planning, Escrow Services, Cash Management, and Estate Settlement Services round out the ecosystem, enabling the firm to serve affluent individuals, families, foundations, and institutions across the full wealth lifecycle from accumulation through intergenerational transfer.

Differentiator

Problem solved

Functional benefit

Products and services

• Trust & Estate Services Comprehensive trust and estate administration services for affluent individuals and families, including multi-generational wealth transfer and fiduciary management.
• Investment Management Investment management services for high-net-worth individuals, families, foundations, charitable organizations, and institutions, designed to align with multi-generational wealth goals.
• Directed Trusts Directed trust services that allow outside advisors to retain investment control while Coral Gables Trust manages the trust administration and fiduciary responsibilities.
• Special Needs Trust Special needs irrevocable trusts designed to safeguard settlement proceeds while maintaining eligibility for government benefits such as Medicaid and SSI.
• Financial Planning Financial planning services addressing wealth management, asset protection, estate planning, and retirement needs for affluent individuals and families.
• Escrow Services Escrow services for various financial transactions in which the firm acts as a neutral fiduciary.
• Cash Management Cash management services for clients of the firm, helping manage liquidity and short-term cash positions.
• Estate Settlement Services Estate settlement and administration services for beneficiaries and executors, supporting the orderly transfer of assets through probate and trust settlement.

Quantifiable outcome

• Surpassed $4 billion in AUMA in June 2026, growing from $1 billion over accelerated timeline

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Depository Trust Company (DTC)coreTechnology or IntegrationClients' assets held in custody at DTC, the world's largest securities custodian providing services to most US financial services companies. Ensures secure asset custody and regulatory compliance.
• Reliance Trust CompanycoreTechnology or IntegrationSub-custodian arrangement for client assets through the Federal Reserve. Reliance is the largest independent trust company in the United States. Provides institutional-grade custody infrastructure.
• Adrienne Arsht Center for the Performing ArtsminorOthersCommunity involvement and sponsorship of performing arts programs and cultural events in Miami-Dade County
• Baptist Health FoundationminorOthersCommunity support for healthcare initiatives and philanthropy in South Florida
• United Way of MiamiminorOthersCommunity involvement supporting United Way's initiatives to improve education, income, and health in Miami-Dade County
• University of MiamiminorOthersSupport for University of Miami through Alumni Association and Citizens Board involvement, having raised over $339 million for the university
• Chapman PartnershipminorOthersSupporting homeless assistance programs in Miami-Dade County; Mason Williams serves as Chairman of Investment Committee

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/CGTrust
• YouTubeyoutube.com/channel/UCAB_5qktOJcxZDgbe48dJug
• Facebookfacebook.com/CoralGablesTrust
• LinkedInlinkedin.com/company/coral-gables-trust-company
• Instagraminstagram.com/coralgablestrust

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coral Gables Trust Company