First Security Bank (FSB) Wealth Advisors provides personalized wealth management, including a wide range of investment and insurance solutions.

We are committed to helping our customers and communities grow.

Retirement Planning

• Making the most of your employer-sponsored retirement plans and IRAs
• Determining how much you need to retire comfortably
• Managing assets before and during retirement

Retirement Income Planning

The first phase of retirement planning is accumulating enough assets to happily retire.  The accumulation phase is just the beginning of the overall retirement planning process.  The next phase is creating and generating a steady and recurring stream of income while in retirement.  FSB Wealth Advisors will create a personalized income strategy while in retirement.

Investment Planning

• Determining your asset allocation needs
• Helping you understand your risk tolerance
• Recommending the appropriate investment vehicles to help reach and exceed your goals both in the short and long term
• Some of the tools we can use to help achieve these goals include:
  • Stocks and Bonds
  • Managed Investment Solutions
  • Closed End Funds
  • Exchange Traded Funds
  • Mutual Funds
  • Fixed and Variable Annuities
  • Rollover IRAs
  • Roth IRAs
  • Traditional IRAs

Risk Management

• Reviewing existing insurance policies and recommending policy changes when appropriate
• Discussing and reviewing potential needs for disability and long-term care coverage
• Tools for risk management may include:
  • Life Insurance
  • Long Term Care
  • Disability Insurance

Education Planning

• Recommending investment and accumulation vehicles to help pay for your child’s education
• These may include:
  • 529 College Savings Plans
  • Coverdell Plans
  • UTMA/UGMA

Employer Solutions

We serve sole proprietors, corporations, and every entity in between by offering investment options, retirement plans, succession planning and group benefits. We prefer and encourage a team-based approach with your tax and legal professionals along with our internal commercial experts to best serve your business needs. Our investment and group benefit products for businesses include:

• SEP IRAs
• SIMPLE IRAs
• 401(k), 403(b), 457 and other employer-sponsored retirement plans
• CBAI 401(k) MEP
• EASY K Multiple-Employer Plan
• Group Life Insurance
• Health Insurance
• Group Disability Insurance

Charitable Investment Account

Donor Advised Fund (DAF) is a type of charitable investment that allows individuals (Donors) to donate cash, stocks, or other assets to support charitable causes.  The DAF is directed by directed by the donor.

• Benefits of the DAF
  • Tax deductible – Donors can receive an immediate tax deduction on contributions
  • Tax-free growth – Contributions can grow tax free
  • Charitable Recommendations – The donors can advise how to direct and where to send grants. All grants will be qualified by the administrator.
  • Continued Contributions – Donors can continue to contribute to their DAF until it is closed.
• Consideration of the DAF
  • Contributions are irrevocable
  • Administrator has final say on the grant to ensure the grant is qualified.

First Security Bank Wealth Advisors is a division of First Security Bank (FSB).  Securities are not Insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested.  Securities, Insurance, and Investment Advisory Services are offered through Midwestern Securities Trading Company, LLC (MSTC).  Member FINRA/SIPC.  Midwestern Securities Trading Company and First Security Bank are not affiliated.

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