Investment &
Retirement Services -
Trust Services -
Insurance Services -
Specialists
Wealth Management at Peoples Bank offers access to investment
management, financial consulting, estate planning and retirement benefit
plans tailored to your particular needs.
We can assume responsibility for your financial affairs or simply assist
with your decision-making. Peoples Bank offers many investment options
including:
 | Mutual funds |
| Annuities |
| Stock or Bond investments |
| US Treasury investments |
|
Our full spectrum of services
provides safekeeping for your securities, timely collection of income and
regular, accurate reports for tax purposes.
Investment Management Account
An Investment Management Account at Peoples Bank is a personalized portfolio
based on your goals and anticipated needs. A Peoples Bank Investment
Specialist can formulate a number of strategies to meet our customer’s
financial objectives. We can assume full responsibility for your financial
affairs, or simply help guide your decisions.
Investment Management Plans are also useful for the eventual distribution to
your beneficiaries. Choose from a wide variety of options:
| Estates |
| Guardianships |
| Living trusts |
| Insurance trusts |
| Testamentary trusts |
|
Retirement Planning
When it comes to retirement planning, Wealth Management offers an array of services to help
clients realize a comfortable retirement. Whether you are an individual or
business owner, Peoples Bank can help assist you in setting up retirement
plans for you and your employees.
There are a number of products to enhance the earnings potential of your
retirement funds or your IRA Rollover funds:
| Traditional IRA |
| Roth IRA |
| Profit Sharing |
| 401(k)s |
| Solo 401(k)s |
| Self-directed IRAs |
| Annuities |
|
IRA Consolidation Services
Multiple retirement accounts from other financial institutions can also be
combined into one IRA. Consolidating these
accounts in one place will provide convenience as well as peace of mind.
401(k) Rollover
If you are receiving a disbursement from your former employer retirement
plan, a Peoples Bank Wealth Management professional can help avoid
unnecessary taxation by placing the funds in an IRA Rollover account. A
variety of investment alternatives are available and accounts may be self
directed or managed by experienced advisors.
Annuities
Peoples Bank offers both fixed and variable rate annuities. Depending on
your goals, an Investment Officer can help you choose the product that’s
right for you.
Fixed Annuities
Fixed Annuities are an ideal vehicle for protecting your assets and
providing a steady source of retirement income. These products are also
ideal ways to defer taxes during the growth stage of the annuity and provide
fixed benefits for your lifetime.
Variable Annuities
Variable Annuities are highly adaptable because they offer sub-accounts with
various mutual funds to select from - it’s easy to change investment
direction at little or no cost to the investor. Variable Annuities also
offer:
|
Income for life |
|
Asset protection |
|
Tax deferral of investment gains, similar to an
IRA |
|
Business Services
First class retirement plans are available for business owners to
reward and recognize their most valued employees. We have many options to choose from, plus these unique advantages:
| Larger contributions can be designated for select
employees |
| Employees can choose their own contribution
levels |
| Plans offer multiple fund families to choose from
with a wide variety of risk and return options |
|
Peoples Bank has valuable
experience in managing and supervising Qualified Retirement Plans. We
continually address the many IRS regulation changes affecting these plans
and can offer our expertise on changes. An investment advisor will
monitor your plan’s growth and safety to produce maximum results from your
investment. A few of our innovative products include:
| Profit Sharing |
| Solo 401(k) for self-employed individuals |
| SEP's |
|
For today and tomorrow, you can trust Peoples Bank to help you make the best
financial decisions. We invite you to call us at (219) 853-7080 to set up an
appointment or contact us online for additional information.
Wealth Management Specialists
