INVESTMENT PRINCIPLES
- A sound investment plan is
grounded in realistic long-term goals and objectives. We believe in
diversification and quality. Your portfolio is handled with patience
and discipline. Our conservative approach, executed by seasoned
professionals, delivers strong performance at a competitive fee.
IMPLEMENTATION -
We
work with clients to determine their goals and objectives. We
execute by leveraging our experience and offering a wide range of
investment products and market management resources. You will find
an emphasis on responsive, personal service that is rare today.
SIMPLIFIED
EMPLOYEE PENSION (SEP) PLANS -
As a
business owner, whether incorporated or not, you can establish
Simplified Employee Pension (SEP) plans for yourself and your
employees. A SEP can be a prominent source of retirement income. You
may contribute a certain percentage of your compensation into your
plan each year. For your eligible employees, a uniform percentage of
each employee's compensation would be contributed. And, monies you
contribute for yourself and your employees, within the IRS limits,
are generally deductible as a business expense.
Funding
Options and Flexibility
While you must adhere to contribution limits, the source of SEP
contributions can be from any business cash supply, including
current income, savings or loan proceeds.
Your
choice of options to fund your SEP:
●
Lump sum
or periodic contributions
●
Transfer
from any of your eligible accounts in the Trust
and Investment Division
●
Low interest term loan with a one year cleanup feature in
order to maintain your business cash flow
Our lending professionals work hand-in-hand with the retirement plan
representatives in our Trust and Investment Division to deliver a
seamless loan process for SEP funding purposes.
Investment
options for your SEP include a wide range of mutual funds*, stocks*,
bonds*, EFTs*, or FDIC insured CDs.
Our Trust
and Investment Division professionals have over 100 years of
collective financial services experience.
To
explore your investment growth possibilities, use our
Investment Calculators.
*Investments with the Trust and Investment Division are not FDIC or
bank insured and may lose value
Before
investing, consider your investment objectives, risks, charges, and
expenses. Contact a Professional in the Trust and Investment
Division for the appropriate prospectus or relevant information.
Read it carefully.
