Trust Services - Overview

• Products and Services
  

• Help Ensure a Solid Customer Base
• Achieve Long Term Investment Goals
• Management Strategy
  • Customer’s Objectives and Risk Tolerance
  • Long-term Investment Time Horizon
  • Achieving Realistic Investment Goals
  • Diversification of Assets Within Classes
  • Controlling Total Portfolio Risk
• Enhanced Portfolio Return
• Systematic Portfolio Review
• Re-balancing of Asset Classes
• Objective and Efficient Placement of Funds
• Proven Performance Model Portfolios
• Maximize Portfolio Returns
• Consistent Investment Goals
• Conforming Risk Tolerance
• Five Portfolio Models
  • Control Risk Through Distribution
  • Distribution Based on Customer’s Risk Tolerance
    
• Employee Benefit Plans
  • Tailored to Specific Customer Needs
  • Create Satisfied, Loyal Employees
• Unqualified Benefits Plans
  • Board Member Plans
  • Attractive Retirement Plans
• Quarterly Progress Report
  • Activity Detail of Investment
    

Trust Services - Personal Trust

• “Our Executors are Committed to Avoiding Unnecessary Costs and to Finding Ways to Reduce the Overall Cost of Settling Estates”
• Establish Revocable Personal Trusts
• Irrevocable Personal Trusts
• Extensive Knowledge of Tax Matters
  • Record Keeping
  • Accounting
  • Real Estate
  • Investments
  • Fiduciary Laws

Trust Services - Employee Benefits

• High Degree of Professionalism
• Retirement Plans Experience
• Specifically Shaped to Fit Situation
• Employee Benefits Plans Offered
  • Profit Sharing
  • Pension
  • 401(k)
  • ESOP

Trust Services - Estate Services

• “With an issue as personal and sensitive as estate planning and wills, your customers will feel more comfortable coming to an institution where they already have an established relationship.”
• Highly Skilled Professionals
• Complete Wills and Estates
• Review Client’s Current Will
• Conduct Estate Plan
• Locate Witnesses to Will
• Administration of Current Estates
• Estate Value Maximization
• Provide for the Family’s Special Needs
• Eliminate Unnecessary Taxation
• Tax Year and Gift Tax Items
• Distribute Tangible Personal Property
• File Personal and Fiduciary Income Tax Return
• Provide for Small Business Transition

Products offered here are provided by a strategic alliance and are not products of RCB financial services. Insurance and investment products are NOT FDIC INSURED are NOT OBLIGATIONS OF, NOR GUARANTEED BY ANY FINANCIAL INSTITUTION and MAY INVOLVE INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF PRINCIPAL.