Investment and Trust Services

The following services may be of value to you:

I. Retirement Planning Options for Individuals and Business

• Profit Sharing Plans
• 401(K) Savings Plans
• Money Purchase Pension Plans
• Defined Benefit Pension Plans
• SIMPLE (Savings Incentive Match for Employees)
• IRA (Individual Retirement Account)
• SEP (Simplified Employee Pension)
• Roth IRA
• Rollover options for retirement plans and / or IRAs

Our staff of trained and certified professionals will help you design and implement the plan that is right for you. Once the plan is adopted, we will monitor it to insure continued compliance with all legal and regulatory requirements. An investment strategy that meets the specific needs of the plan participants will be to maximize the total return within agreed risk parameters.

If you already have a retirement plan, you may want to compare it with what we have to offer. We may be able to provide superior service and better investment performance at a lower cost.

II. Individual Investment, Trust and Estate Planning

• Living Trusts
• Charitable Trusts such as Charitable Reminder Trusts, Charitable Lead Trusts, etc.
• Estate and Tax Planning that may minimize death taxes and simplify the estate transfer process
• Investment Management
• Insurance Trusts
• Generation Skipping Transfer Exempt Trusts

III. Estate and Probate Settlement

• Executors of your will
• Trustee of a Testamentary Trust Under a Will
• Agent for an individual who may be the named executor under a will

IV. Money Manager and Trustee for a Foundation, Endowment, or Charitable Trust

The Investment Management and Trust Services Division would like the opportunity to talk with you. Please call us at (731) 287-4239, or email us at trust@firstcitizens-bank.com.

NOT FDIC INSURED