Investment Management Services

Managing financial assets can be a complex and time consuming effort. In today’s changing economic climate, investments must be acted upon quickly and decisively, based on detailed research and analysis.

Our expert staff will supervise your investments by analyzing the entire investment marketplace, including changing tax structures and economic conditions, in order to provide the best return for you.

As Investment Manager, we will carefully review your investment assets, formulate appropriate objectives, and then develop an individual investment program tailored to your needs. We avoid speculation in security selection and instead rely on detailed economic research and fundamental analysis. We execute security transactions at low commissions due to our excellent relationships with the broker dealer community.

The investment management account can be utilized for traditional investment management needs, roll-over IRAs, revocable trusts, charitable trusts, foundations and many other situations.

Investment Management Benefits

• Professional investment management advice
• Custody of securities
• Income collection
• Accurate records for tax returns
• Periodic statements
• Regular review of securities
• Competitive fee, often tax-deductible

Types of Investment Management Accounts

Investment Management (Discretionary) Account

First Bank & Trust will provide investment management and advice. We offer superior stock selection and low-risk bond portfolio management in keeping with your goals and objectives. We will base all decisions on mutually established guidelines.

First Bank & Trust will also perform the administrative duties of accounting, record keeping, and income collection, and will provide safekeeping facilities for your assets.

Investment Management (Non-Discretionary) Account

First Bank & Trust will continue to offer investment management advice and administrative services, but you will retain the right to make final decisions regarding purchases and sales.

IRA Rollover

First Bank & Trust provides full investment management, safekeeping and administrative services.

Custody Services

A custody account at First Bank & Trust permits you to maintain control over your portfolio while eliminating the administrative work involved. We hold your stocks and bonds, collect your dividends and interest payments, execute securities transactions, keep the records and advise you of all transactions. However, we do not provide investment advice or management.

Personal Trust Services

First Bank & Trust has the experience and expertise to handle the complexity of fiduciary and investment decisions, with proper attention to your individual needs and requirements. We will prepare an investment strategy to meet your objectives. We will take responsibility for the management of your portfolio and the administration of your assets. You will receive regular account statements and have periodic face-to-face meetings with your account manager to review your situation in light of current market conditions.