Dramatic increases in consumer wealth have been paralleled by heightened customer expectations and increased competition. As a result, banks continue their evolution into the broader wealth management and trust arena to stay competitive and seize related opportunities. A report by the Chicago-based SpectremGroup reveals the number of affluent and millionaire US households in 2007 continued to grow for the fifth consecutive year. Growing affluence across the country translates into growth opportunities for the trust business. Nationally, trust assets have grown 16% annually over the past five years to more than $70 trillion. While increasing numbers of customers have higher net worths, they also have higher expectations. Today's more affluent customers are much more engaged than in the past. Today's customers are seeking trusted advisors who can offer comprehensive wealth management solutions, whether that comes in the form of business planning, retirement planning, charitable planning, estate planning, investments, insurance or trusts.