When it comes to managing your money and planning for the future, choosing the right investment partner is critical. But not every investment firm or financial services organization is the same. Corporate structure, compensation models, regulatory oversight and even the way they handle your investment goals can vary significantly from one firm to the next.
That’s where New Covenant Trust Company (NCTC) comes in. We’re structured as a limited-purpose national bank, federally regulated by the Office of the Comptroller of the Currency (OCC) with full trust powers. This gives us the flexibility and regulatory capability to operate across all 50 states and even internationally — something many firms simply can’t offer.
More importantly, it allows us to provide services and options that are uniquely aligned with your goals, values and circumstances.
Here are eight key things that set NCTC apart from other firms — and why that matters for you.
Portfolios Built Specifically for You
No cookie-cutter models here. At NCTC, we design fully customized and flexible investment portfolios for each client. We listen closely to your financial goals, values-based priorities and any other preferences to create a strategy that fits you and your organization perfectly.
Every account is tailored — down to the last detail.
We’re Free to Choose the Best Investments — Period
Many firms are limited by proprietary products or a narrow list of investment options. Not us. NCTC uses an open architecture platform, which means we can select any investment vehicle that we believe is right for you. We’re not incentivized to push specific funds or financial products. Instead, we focus entirely on what’s in your best interest.
Licensed to Advise, Not Just Sell
There’s a big difference between firms that sell products and those that are legally qualified and compensated to give fiduciary-level advice. NCTC is fully regulated to provide ongoing investment management services — not just a one-time recommendation. Our fee-based compensation model is designed such that NCTC benefits when our clients benefit.
That means you get a consistent, thoughtful strategy that evolves with your goals and the markets.
You Retain Full Ownership of Your Assets
When you invest with us, your money stays under your control. NCTC clients retain full title and ownership of their assets, always. There are no hidden lockups, opaque structures or limited-access accounts.
You have the transparency — and freedom — to see exactly how your money is being managed.
Access Your Money When You Need It
Flexibility is everything. That’s why we offer full liquidity within 1 to 3 business days under standard industry practices. Whether you need to make a withdrawal or receive a distribution, you don’t have to wait for a new month or quarter.
It’s your money. You should be able to access it — penalty free — when it matters most.
Portfolios That Adapt with Life’s Changes
Life doesn’t stay the same, and neither should your investment plan. At NCTC, we manage dynamic portfolios that can be adjusted any time your circumstances change — whether that’s a major purchase or sale or shifts in the economic landscape.
Your strategy evolves with you.
Your Values, Your Screen
Want to incorporate environmental, social, governance (ESG) screens? Your faith or specific values? Great — we’ll help you do that. But if you prefer a more traditional approach, we have the flexibility to leave screening out.
At NCTC, you decide how your investments align with your values. We simply implement and manage accordingly.
You Control the Spending Plan — We Make It Work
Unlike some firms that impose guardrails on what you can withdraw and when, NCTC empowers you to set your own distribution plan. If you would like support to determine an appropriate and sustainable distribution plan, we stand ready with a range of tools and resources to assist and advise.
Our job is to align your investment strategy with those goals, so that your funds are invested prudently, sustainably and in line with your long-term vision.
Why This All Matters
The bottom line? We put clients first — not just in words, but in structure, process and purpose.
Whether you’re an individual, a faith-based organization or a foundation, you deserve a partner who can walk alongside you with integrity, flexibility and expertise.
At New Covenant Trust Company, we’re proud to be your faithful steward and fiduciary partner — offering not just investment management services, but a relationship grounded in trust, values and customized advice.
Ready to work with a firm that aligns with your values and your goals? Contact us today to learn how NCTC can support your financial journey — with the freedom, flexibility and faith-based integrity you deserve.
CLICK HERE to set up a call with one of our experts.
*Investment products such as stocks, bonds and mutual funds are: NOT FDIC INSURED | NOT BANK GUARANTEED|MAY LOSE VALUE | NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL AGENCY | NOT GUARANTEED BY NEW COVENANT TRUST COMPANY (NCTC)