Kristine d’Esterhazy is Senior Vice President and Senior Trust Officer with Bank of America Private Bank. Kris has over twenty-five years of experience working with clients on financial, retirement, estate and tax matters.  She holds the CERTIFIED FINANCIAL PLANNER^® certification and the Certified Trust and Fiduciary Advisor (CTFA) designation, issued by the ABA Institute of Certified Bankers. Her broad legal and financial background spans the gamut, from implementing personal financial wealth strategies, to trust and estate administration, to preparation of complex individual, trust, and estate tax returns for high and ultra-high-net-worth families.As your Trust Officer, Kris focuses on service and administration of your investment and trust accounts. She will help you monitor and manage your estate, and will work with you and your family to implement your plan according to your wishes. Kris is the main point of contact for you and your beneficiaries when it comes to matters of trust administration, and will engage other Private Bank specialists to assist, as appropriate. At the Private Bank, we recognize that each trust and each beneficiary is unique, and we provide highly personalized service to help carry out your estate plans.Prior to joining Bank of America Private Bank, Kris worked as a Client Service Advisor with a Registered Investment Advisor. She enjoyed helping clients make informed decisions about common concerns such as retirement income, gifting and estate matters, elder care and aging in place.  Kris also served as a professional guardian through court appointment for individuals determined to be incapacitated. This fiduciary role requires the highest level of ethical conduct and decision-making on behalf of another person. In addition, she spent several years as a paralegal in boutique estate planning and trust litigation law firms in Jacksonville.Kris earned her Bachelor of Arts degree from Binghamton University, and her Master of Arts degree from Boston University. She served as co-chair of the Northeast Florida chapter of Bank of America’s Disability Action Network for six years, and for six years on the Board of Directors for Mainspring Academy, a dedicated school for special education.Certified Financial Planner Board of Standards Inc. owns the certification marks CFP^® and CERTIFIED FINANCIAL PLANNER^® in the U.S.