Planning Your Financial Check Up


Anytime is an ideal time to take some time and review your finances.  Some time spent can help you reach your financial objectives faster, perhaps save some taxes and give you some financial peace of mind.  Here are some areas to consider:



  • Have you chosen deductibles that provide lower premiums with an acceptable level of risk?
  • Do you have an umbrella liability policy for potential large damages?

Our experienced insurance representatives work with one goal in mind: to satisfy the needs of every customer. We take the time to review all of your individual insurance coverage and advise you toward making an educated decision that will protect your future.

*Insurance products are not guaranteed by Standard Bank and Trust Co., are not a deposit of Standard Bank and Trust Co., are not FDIC-insured, are not insured by any federal government agency, and may lose value.


  • Could you reduce your monthly mortgage payments by refinancing your mortgage?

Home Ownership is the American Dream…and yet it can be a complicated process.  Our Mortgage Consultants will help with one of the largest purchases you will ever make, one of the easiest purchases you ever make. We will guide you through the purchasing or refinancing process and find the best rate available for you.

Retirement planning

  • Have you calculated your retirement income and asset needs?
  • Are you taking full advantage of your employer’s 401(k) plan or other retirement plan?
  • Are you going to make an IRA contribution?  If so, make it before April 15th and it counts as a contribution of the previous year.
  • Should you consider converting your IRA to a Roth IRA?
  • Do you have enough life insurance including cheaper term insurance?
  •  Have you considered a life insurance trust to keep insurance proceeds out of your estate?

Our Wealth Management Team has the expertise to provide a customized plan that includes individualized strategies, from investment management and estate planning to trust administration.

Taking control of your financial future is an on-going process that requires some time and effort.  Just like your physical health, ignoring symptoms can often lead to larger problems down the road, so do yourself a favor and set aside some time for a financial check up at least once every six months.

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