Trust Administration

Safeguard your wealth and secure your family’s future.  Properly drawn and executed, a trust can help ensure that your assets are professionally managed in the way you intend them to be, in the event that you are no longer able to do so yourself.  Our trust administration officers are from this community so they understand your specific needs and each administers no more than 100 accounts for the utmost in personalized service. (Account minimum: $150,000.)

Investment Management

We can help you create a portfolio designed to achieve your specific financial goals. Two distinct mutual fund investment approaches, individual portfolio management and strategic alliances with leading investment firms help ensure that your portfolio achieves your specific asset preservation, income and growth objectives. (Minimum investment: $50,000.)

Securities Custody Service

Ideal if you prefer to manage your own investments but also want to benefit from administration and custodial services, we provide complete, detailed transaction reporting, as well as bill paying services and Internet access to your accounts, creating a viable alternative to traditional brokerage.

Retirement Planning

• Retirement Plan Rollovers (IRAs). For IRAs with balances of $35,000 or more, this is a simple way to keep your retirement assets growing without interruption.  For accounts with $100,000 or more, individualized management also can be provided.

• Self-directed IRAs offer a variety of investment alternatives. With alternative investments including mortgages, real estate, Limited Partnerships (LPs), Limited Liabilities Companies (LLCs), promissory notes, and stocks and bonds you are sure to find the right mix to meet your specific objectives, timeframe, and risk tolerance.

Through the use of a Self-Directed IRA, the IRA owner can “think outside the box” of traditional investments. Self-Directed IRA investment options include:

• Commercial Real Estate
• Residential Real Estate
• Vacation Property
• Limited Liability Companies (LLCs)
• Limited Partnerships (LPs)
• Business Loans
• First Mortgages
• Second Mortgages
• Franchise Opportunities
• Tax Liens

Some restrictions may apply. Consult your tax professional before entering into any transaction that you are unsure about.

Investment products are not FDIC-insured.
No bank guarantee. May lose value.

Estate Settlement

For added peace of mind, we can act as your personal representative or agent. We gather, safeguard, appraise, value and invest the assets owned by the deceased and represent the client’s estate.

Business Trust Services

An integral component of our full range of business banking services our trust officers provide unparalleled professional service to business owners and executives of both for-profit as well as non-profit organizations. We:

• Manage assets of pension and profit-sharing plans. Such plans help you attract and retain quality employees, while offering you potential tax advantages. We coordinate our investment services with your plan administrator.
  
• Act as escrow agent for business transactions ensuring a smooth, seamless process. 
  
• Service as custodial agent for investment advisors, retirement plan trustees and non-profit organizations.

For more information or to make an appointment with a trust officer, call 561-207-6730.