Family offices
Cash that works as hard as the portfolio.
How family offices protect operating liquidity and opportunistic cash above the FDIC limit, earn competitive rates, and keep one consolidated view.
Why cash is often under-protected
- Large liquidity across entities
- Multiple banking relationships to manage
- Desire for yield without market risk
The FDIC insures up to $250,000 per depositor, per bank, per ownership category. Everything above that at one bank is uninsured.
One account. 300+ insured institutions.
- Insured placement across entities
- Rates that have averaged 5–9x the national average‡
- CD ladders for planned liquidity
- One login across accounts
Ampersand, Inc. is not a bank. Ampersand acts as administrator in placing deposits at FDIC- or NCUA-insured institutions; deposit insurance is provided by those institutions, subject to standard limits, aggregation rules and pass-through requirements. Eligibility of specific fund types depends on applicable law, governing documents and program terms. ‡ Program rates have averaged 5–9x the FDIC national average savings rate, as of 10/15/2026; averages are not a guarantee of any client’s rate. Rates vary and are not guaranteed. Not legal, tax or fiduciary advice.