Our Investment
Services Department offers access to a wide variety of alternative
investments and protection products to help you plan for those
needs. No matter where you are in your financial lifetime, your
UVEST Financial Consultant at TheBANK will provide the convenience
you need and the level of personal service you deserve.
Contact
a Financial Consultant today at (618) 659-6559.
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Stage 1 - Growing Learning & Direction |
Financial
Goals/Focus |
Birth to 13
Health Insurance, Educational Funding
14 to 17
Scholarships, Grants for School
18 to 22
Student Loans |
Educational
Funding
- 529 Plans
- Educational IRAs
Mutual Funds
Tax Free Bonds
Stocks
Debt Management |
|
Stage 2 - Career, Family, Kids (Earning
Years) |
Financial
Goals/Focus |
23 to 30
Long-term Financial Planning, Life Insurance
31 to 45
Wills, Increase Life Insurance, Disability Income
46 to 60
Trusts, Long-Term Care |
Life Insurance
Disability Income
Long-Term Care
Mutual Funds
Tax Free Bonds
Stocks
IRAs-ROTH & Traditional
Annuities - 401 (k) |
|
Stage 3 - Retirement
Decisions, Travel, Vacation Home |
Financial
Goals/Focus |
61
to 65
Gifting, Estate Planning
66 to 70
Charitable Giving, Long-Term Care |
Educational/Grandchildren
Retirement
Estate Planning
Life Insurance
Long-Term Care
Mutual Funds
Tax Free Bonds
Stocks
Pension Planning |
|
Stage 4 - Protecting the Money You've
Earned |
Financial
Goals/Focus |
71
+
Securing your finances for the reminder of your life, Minimum
Distribution from IRAs. |
Estate Planning
Mutual Funds
Tax Free Bonds
Stocks
Establishing Trust
Charitable Gifting |
Educational
My how time passes. Doesn't
it seem like "just yesterday" that your son or daughter
took their first steps? With the costs of higher education
increasing at TWICE the average rate of inflation, every day that
passes costs you dearly in accumulating the funds that will be
necessary to send your children to college. Do the choices confuse
you? How does a "Unified Gift to Minors" account work?
What is this 529 plan? A little planning with us will go a long way
toward answering these and other questions.
Retirement
Proper planning can make the
difference between your ability to actually retire and enjoy life
and not being able to retire at all. A little time invested now can
save you from many sleepless nights in the future.
Estate
Would you like your kids to share in your good fortune from
years of hard work? Is there a charity or organization that you
wish you could do more for? Proper Estate Planning can help to
assure that those you hope to receive the remainder of your estate
will receive it without a huge tax bill. Could you use a tax
deduction now? How about a Charitable Remainder Trust? Do you plan on
gifting to children or grandchildren? Proper planning can assure
that your beneficiaries are taken care of.
Life Insurance
We offer Term
(temporary) and Whole Life or Universal Life (permanent) insurance.
With all of the choices that you've heard or read about, we can help
you clarify the benefits of the different types. With this
knowledge, you can then make the decision best for you and your
family or business.
Disability Income
Disability
Income is the protection of your single greatest asset, YOUR ABILITY
TO EARN AN INCOME. There are many different options and features to
customize a plan that fits YOUR INDIVIDUAL NEEDS BEST!
Long Term Care
Statistics
show that as many as 40% of people age 65 will need some care in
their aging years. The national average annual cost of nursing home
care is $52,000, that figure is expected to rise to as much as
$190,000 in less than 30 years. During the prime working years, most
people would have a difficult time paying these housing costs!
Planning earlier in life can provide protection for unforeseen
accidents and save thousands of dollars in premium costs over
waiting until later in life. We deal with over a dozen different
Long-Term Care Insurance companies, which allows us to customize a
plan that fits your needs, budget and situation best.
Sources: U.S.
Department of Health and Human Services, MetLife Market Survey of
Nursing Home and Home care Costs, The American Council of Life
Insurers
Mutual Funds
There are
over 10,000 different mutual funds: no loads, front loads, back end
loads. Confused? Invest some time today to sit down with one of our
Financial Consultants. They can help make sense of it all.
Tax Free Bonds
Can you
really benefit from this sort of investment? Are there bonds that
might benefit you more? Contact a Consultant at TheBANK to schedule
a no-obligations private session on Tax-Free and Corporate bond
issues.
Stocks
Do you want to invest in a specific company's
stock? With the help of one of our Financial Consultants we can
assist you. Plus, you can buy, sell, and trade stocks online with
our Brokerage Online service.
Anywhere you can access the Internet, you can do your
investing...seven days a week!
Option I
- Trade Online
- View Your Portfolio
- Perform Research
- Receive Quotes
Price: Free
Cost per online trade: $19.00 (additional fees may apply)
Option II
- View Your Portfolio Online
- Receive Quotes
Plus our expert UVEST Financial Consultants are only a phone call
away to perform research and complete your trading for you. You have
online access to only your portfolio view and stock quotes.
Price: Free
Securities offered
by UVEST Financial Services, Member NASD, SIPC. * NOT FDIC insured
* Not Bank guaranteed
* May Lose Value
* Not guaranteed by any government agency * Not a bank
deposit.
UVEST and TheBANK of Edwardsville are independent entities |
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