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Wealth Management

As Benjamin Franklin said, “By failing to prepare, you are preparing to fail.” A great plan is key to ensuring your financial life has as few surprises as possible.

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Comprehensive Planning Services

You wouldn’t start driving without a destination in mind. So why do the same with your money? Planning for all aspects of your financial life is an important step in realizing your goals and living the lifestyle you’ve always envisioned.

Our certified professionals listen to your wants and needs, analyze your situation, develop and implement a plan for retirement, a child’s education and all other financial goals you have.

Tax Information

Click the button below for the latest tax information on your securities held at City State Bank Trust & Investments.

Supplemental Tax Information

Investment Management

Our belief has been to always act as a fiduciary because it is right, not because it’s a rule.  Doing what is in your best interest is in our best interest.

We manage your investments using:

  • Stocks, bonds, ETFs and mutual funds to create a diversified portfolio based on your goals
  • Unbiased research
  • Only non-proprietary, quality, independent investment options
  • Low-cost, institutional, no-load funds
  • No hidden costs or fees

Retirement Planning

Am I ready to retire? Do I have enough money saved up? Will I outlive my money? The right retirement plan and trusted financial partner guiding you every step of the way provides comfort that these questions are answered.

We guide you through the complex maze of investment and insurance products to develop an asset allocation that will be simple to understand and provide the retirement income you require.

  • IRA Planning
    • Inherited IRA
    • Roth Conversion
    • Rollover IRA
    • Roth vs Traditional
  • Personal After-Tax Investment Accounts

When it comes to planning for your retirement, you don’t have to go it alone. Entrust your financial future to local professionals and an institution that has helped hundreds of people like you for over a century.

Education Planning

A quality college education is the path to greater financial opportunity, but it is also is a huge investment in your child’s future.

Our education planning services help you set aside money tax-efficiently for post-secondary education of a child or grandchild. As a fiduciary, we will direct you to the education savings plan that best suits your savings needs.

Insurance Planning

Life insurance, disability insurance, and long-term care planning are often overlooked as wealth management tools. However, they are crucial in helping you prepare for the unexpected and protecting the future that you envision.

Start Planning Today!

Contact our Trust & Investments Department to schedule your initial appointment to discuss any of your financial needs today.

Use our Calculators to Help You Plan

Not FDIC insured · Not deposits or other obligations of bank and are not guaranteed by bank · Are subject to investment risk, including possible loss of principal.

To the extent that this material concerns tax matters, it is not intended or written to be used and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law.  Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.  These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable.  We cannot assure the accuracy or completeness of these materials.  The information in these materials may change at any time and without notice.

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