Wealth Management

Wealth Management

Plan Today, Be Confident in Tomorrow

You’ve earned what you’ve built and it’s important that you find the right financial partner to help your money work for you. It’s not business. It’s not a transaction. It’s personal and your future depends on it. We understand that—you are investing not only your money with us, but also your aspirations for the future.
 
Wealth Management at First National 1870 is built around a fiduciary-based approach. This means that we always put your interests first. We do not offer proprietary products, so we do not encounter conflict-of-interest situations where we try to balance what is truly best for you and what is best for the growth of our organization. We continually focus on what is best for you.    
 
When it comes to financial planning and investments, every strategy has to be unique.  For some, financial planning and investments fuel the dreams of a comfortable retirement, travel, or the finer things in life. For others the goal may be to provide for a grandchild’s college education, give to worthy charities, or establish seed money for the business you want to start.
 
No matter what your financial objectives are, your private wealth management partners at First National 1870 are here to listen and help you design a strategy, tailor made to your unique goals and needs.
 
Upon partnering with you to design your financial plan, we will start with the following steps.

  • Listen – This is where we begin. We want to learn more about your current financial situation and your goals for the future. Are you retirement-ready? What is your comfort level with investment risk? We’ll ask these questions and more.
  • Investment Philosophy – Our unique approach takes not only your risk tolerance into account, but also your risk capacity, fees, and your current investment concentration so that we can help avoid unnecessary tax consequences.
  • Ongoing Review – We meet with you regularly to learn of any updates to your situation and our portfolios are designed to rebalance so that we continually stay on-track with the plan designed with you in mind.

Our suite of wealth management services include:

  • Private Wealth Planning 
  • Individual Retirement Planning
  • Goals-Based Planning
  • Cash Flow Planning
  • Wealth Transfer & Trust Strategies
  • Estate Planning
  • Private Banking

Our process includes:

  • Asset Allocation Modeling
  • Manager Due Diligence & Selection
  • Personalized Portfolio Management
  • Active Tax Management

We know what it means to build long-term relationships founded on sound principles and trust.
Independent Advice
Independent Advice

Far too often, investment advisors sell their customers products that seem to be a better fit for the advisor rather than the investor. We cannot offer you potentially conflicting financial products because we do not sell them. Our advice is always founded on what is best for you, not on the promotion of the latest product on the market. Our team of dedicated wealth management professionals work for your interests, plain and simple. We remain free of conflicts because that is how we do business. Our financial guidance is geared toward your unique goals and objectives.
 
Time Tested Investment Principles
 
Selecting an investment vehicle based on past performance doesn’t always work out as well as people hope. The highly experienced private wealth management team at First National 1870 utilizes time tested and sound investment principles in order to realize the most dependable results for your specific goals and objectives.      
 
Cost Effective Solutions  
 
The expenses incurred by participating in some investment products tend to be excessive and thwart better financial results.  The wealth management client professionals at First National 1870 focus on offering you products that not only meet the objectives of your financial goals, but also are designed to minimize fees, taxes, and other operating costs.  
 
For nearly 150 years, First National 1870 has been providing our loyal customers with personalized service and banking products, tailor fit to your unique personal and business needs. This has been and will be our business philosophy for the next 150 years. Contact us today to learn more about how together, our wealth management client solutions can help you achieve your financial aspirations.

 

 

Investment and insurance products are not FDIC-insured, are not a deposit or other obligation of, or guaranteed by the bank or an affiliate of the bank, are not insured by any federal government agency and are subject to investment risks, including possible loss of the principal amount invested.​