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Investments & Retirement Planning

We go beyond banking. Our Private Wealth team can help you navigate all the stages of building, preserving, and transferring wealth.

Investments & Retirement Planning

We go beyond banking. Our Private Wealth team can help you navigate all the stages of building, preserving, and transferring wealth.

Financial Planning

A personalized financial planning strategy starts with understanding your unique needs and aspirations:

  • Together, we assess your current financial position and develop goals.
  • Next, we analyze your financial information and establish a comprehensive plan.
  • Finally, we implement the plan and continuously monitor its performance.
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Financial Planning

Investment Management

We will collaborate closely with you to pinpoint your goals, identify suitable solutions, and implement a comprehensive plan.

Your personalized portfolio may encompass a range of advisor-managed solutions, including:

  • Retirement Plans
  • Stocks
  • Bonds
  • Mutual Funds
  • Exchange-Traded Funds (ETFs)
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Investment Management

Essential Factors for Your Investment Plan

Your advisor will guide you through four essential factors that will form the foundation of your personal investment policy statement:

  • Goals: Are you planning for early retirement or saving for your children’s education?
  • Timeline: How long until you require access to your funds?
  • Liquidity: How much should be set aside for short-term goals or unforeseen emergencies?
  • Risk: What level of market risk are you comfortable with?
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Essential Factors for Your Investment Plan

Retirement Accounts

The type of lifestyle you enjoy during retirement is determined by the financial decisions you make today. Your employer-sponsored retirement plan may be your single largest source of retirement income. Our Private Wealth team will monitor the vitality of your retirement plan and help you make smart decisions through varying market cycles. We can help you take advantage of retirement plan solutions like these:

A traditional IRA offers tax-deferred investment earnings and tax deductions for annual contributions. Eligibility includes anyone with earned income or with a spouse who has earned income. Annual contribution limits based on income apply.


  • Investment earnings are tax-deferred to help grow your savings faster
  • Annual contributions may be tax-deductible, subject to eligibility criteria
  • Annual contributions are fully deductible up to your contribution limit or income threshold, and non-deductible contributions are still eligible for tax-deferred growth

Roth IRA contributions are made with after-tax income, so you won’t owe taxes when you withdraw them (under current laws). In addition, you won’t be taxed on any earnings generated on those assets, provided you meet certain conditions. Eligibility includes anyone, of any age, with earned income or with a spouse who has earned income. Maximum income limits apply.


  • Contributions are made with after-tax income and can be withdrawn at any time with no tax penalties
  • Investment earnings are tax-free
  • Tax-free income distributions start at age 59½ (if account is at least 5 years old)
  • Contributions can continue past age 70½ if you’re still earning income
  • Wide range of investment options

401(k) to IRA Rollover: Rolling over a 401(k) plan or other employer-provided qualified retirement plan to an IRA often allows for tax advantages, more investment choices, and a greater degree of control over your financial future.

IRA to Roth IRA Rollover: A Roth IRA provides the advantages of tax-free investment earnings and distributions.


  • Investment earnings are tax-deferred/free
  • Greater degree of control over your retirement capital
  • Wide range of investment options
  • Traditional IRA: Tax deductions for annual contributions, up to specified limits
  • Roth IRA: No penalties for contribution withdrawals, tax-free income distributions starting at age 59½

For small business owners and self-employed individuals, a Simplified Employee Pension (SEP) IRA offers a low-cost retirement plan that is easy to set up and maintain.


  • Investment earnings are tax-free
  • Tax deductions for annual contributions
  • High annual contribution limits
  • Flexible annual contribution requirements ideal for self-employed individuals and small businesses with variable cash flow

Employer-sponsored retirement plans offer employees a convenient, tax-advantaged method to save for retirement. These plans are crucial for attracting and retaining talent, while also providing employers with tax benefits and other financial incentives.

Managing company-sponsored retirement plans comes with significant responsibility and liability under the Employee Retirement Income Security Act (ERISA), which governs the administration of qualified retirement plans.

Our team specializes in assisting companies with the development, implementation, and monitoring of employer-sponsored retirement plans.

Our Services

  • Reviewing and overseeing all plan investments, including the selection and monitoring of designated investment options
  • Providing customized participant communication solutions, such as group and individual educational workshops
  • Analyzing all plan fees and expenses to support due diligence in administering and managing the retirement plan
  • Conducting periodic reviews of service providers and platforms to capitalize on marketplace changes and opportunities

Which plan is right for you?

We will help you determine which plan makes the most sense for you and your organization:

  • 401(k)
  • 403(b)
  • Roth 401(k)
  • Non-Qualified Deferred Compensation
  • SIMPLE (Savings Incentive Match Plan for Employees) IRA

Ask us how you can reduce your corporate and personal liabilities through safe harbor provisions and through the use of a corporate trustee for your plan.

Contact a Wealth Advisor Today

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Securities and Investment Products offered through the Minster Bank Private Wealth Management Group: Not FDIC insured. May lose value. Not financial institution guaranteed. Not a deposit. Not insured by any federal government agency.

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