Wealth Management

Your tolerance to risk is an important part of the base for deciding what goes into your investment portfolio. We talk to you about risk parameters and how they can affect asset management. The management and tolerance of risk are considered within your time horizon to determine the quantity and type of investment products within the portfolio.

The span between when you are considering an investment decision and the time when the investor will need the money is considered the time horizon. It can usually be categorized as short, medium or long, as follows:

Most likely, you have a clear understanding of what you are saving for. Our investment specialists can help guide you, using risk tolerance and time horizon, toward meeting your investment objective, whether that is saving for a house, saving for retirement or putting your children through college. The objective is important and can only be reachable if you have a clear idea of what it will take. The job of the Wealth Management professional is to explain the path needed to successfully reach your investment objective.

After risk tolerance, time horizon and investment objectives are determined, an investment professional can help you decide what asset allocation is needed to achieve the desired results. Portfolios are typically comprised of a mixture of investments dependent on your risk tolerance and time horizon. And, the investment team at Central Bank & Trust Co. has put together several models to help make selecting an asset allocation strategy easier.

• Cash management

• Home equity lines

• Risk analysis and management

• Tax planning and preparation

• Gifting strategies

• Family asset management

• Development and review of stock-option strategies

• Diversification of large blocks of low-basis stock

• Investment Analysis

• Retirement Planning

• Educational Planning

• Life Insurance Review

• Disability Insurance Review

• Long-Term Care Insurance Planning

• Estate Planning

• Estate-planning strategies

• Wealth preservation and transfer strategies

• Charitable giving options

• Estate settlement services

• Agent for the executor

• Professional investment management

• Rollover IRAs

If specialists are needed, additional tax and estate-planning expertise is always available to our clients.

Your contributions may be tax-deductible.

If you meet certain requirements, withdrawals may be tax-free.

A savings plan designed for small businesses and self-employed individuals.

No, see your Central Banker for more information or to get started today.