Planning & Retirement

Your Individual Retirement Account (IRA) plays a very important role in your financial security after retirement. Properly managed, your IRA can contribute greatly to a comfortable lifestyle for you and your family.

FNBC Bank & Trust can help you manage your IRA investments by working with you to accurately identify your retirement goals, your desired lifestyle, risk tolerance, and your available resources. We can work with your legal and tax advisors to help you minimize taxes by correctly timing your IRA withdrawals and properly writing your IRA beneficiary designation.

IRA Rollovers

To get started, FNBC Bank & Trust can assist you with a direct Trustee-to-Trustee transfer from your existing IRA or retirement plan and help you move toward realizing your retirement goals. Please feel free to contact us to discuss how you might benefit from the use of our IRA Rollover Account Services.

  • Convenient to set up
  • Professional investment advice
  • Coordinate with overall retirement strategy
  • Properly structure beneficiary designation and withdrawals

Portfolio Design

Portfolio by De$ign is a service aimed at investors who are in the wealth building phase of their financial lifecycle.

This is an excellent choice for anyone seeking guidance and direction to start a college education fund, to save for retirement, or to manage an IRA rollover or recent inheritance.

FNBC Bank & Trust will help create a customized portfolio of highly rated, no-load mutual funds tailored to meet your specific investment objectives.

Summary

  • For investors in wealth building stage
  • Make an investment plan
  • Customized investments you help choose
  • Start an education fund
  • Save for retirement
  • Manage an IRA rollover

While there is no dollar minimum to open a Portfolio by De$ign account, the accounts typically range in size between $25,000 and $300,000.

Legal, investment and tax notice: This information is not intended to be and should not be treated as legal advice, investment advice or tax advice. You should under no circumstances rely upon this information as a substitute for obtaining specific legal or tax advice from your own legal or tax advisers.

Not FDIC Insured

May go down in value

Not insured by any federal goverment agency 

Not guaranteed by the state nor the bank 

Your work-free future awaits!