The bank seemed to suffer from the same dysfunction that nagged many other banks that Wayne Cutler had helped in recent years: The bankers and advisors couldn't get along.

"It was like we were working in the Cold War," he says of his first meeting with the staff of the southern regional bank. "I had literally all of the bankers on one side of the room, and then on the other side, you had all the wealth folks. It was incredible. It was like they were working for not only a different organization, but also different governments with different objectives."

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