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Investment Management: |
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Our approach is simple: We take the time to find out about your financial, lifestyle and legacy objectives. After understanding your goals, we evaluate your comfort with risk, identify your assets and determine the return you need to meet your objectives. We then match your investment assets to a portfolio tailored toward your objectives by creating an asset allocation model balancing potential risk and return, and designed to meet your investment needs.
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Estate Planning: |
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Estate Planning is the process of analyzing your assets, projecting your future tax and financial needs, and devising a plan to preserve your assets for those who inherit your estate. Community First Trust Company works in conjunction with attorneys and other professionals to assist in your Estate Planning process. Your plan may include the establishment of one or more trusts or the creation of a newly revised Will. We look forward to discussing a number of options currently available for your estate planning.
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Executor: |
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When you select Community First Trust Company as your independent Executor and representative, we fulfill the directions outlined in your Will. It becomes our responsibility to administer your assets for the distribution, management and protection of your estate. We complete the estate-settlement process in a timely and efficient manner. Community First Trust Company sees that the financial needs of your family members are satisfied to the extent allowed by law and in accordance with the terms of your Will.
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Agent for Executor: |
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Should you be named the independent Executor in someone's Will, you become responsible for managing another person's estate and assume all the duties that responsibility involves. if you enter into this position, you might consider naming Community First Trust Company as Agent for the Executor. While maintaining your position as independent Executor, you can delegate to us all of the administrative and asset management duties. These services can be invaluable to both the executor and the estate's beneficiaries, as well.
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Irrevocable Trust: |
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Following your death, your trust may designate Community First Trust Company as trustee. This allows us to continue investing and managing your assets according to the guidelines you establish at the onset. Therefore, we distribute the assets for the benefit and protection of your family or other beneficiaries. Community First Trust Company will provide periodic statements to those beneficiaries and file the trust's income tax returns. We take our responsibilities seriously and are available to assist your beneficiaries.
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Custody Account: |
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A Custody Account is created to free you of daily investment details. Community First Trust Company assumes responsibility for record keeping, collecting and distributing income and executing the purchases and sales that you direct. We also provide periodic accounting and annual income tax information. Although this kind of account does not provide investment advice, you will have an administrative officer who is familiar with your account and is available to you whenever you have questions.
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Employee Benefit Services: |
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Community First Trust Company assists businesses of all sizes to establish and manage many types of employee retirement plans. We provide solutions to 401(k) administration by partnering with several major benefit providers, offering you access to the best products and technology. Operated efficiently, your retirement plan should insure that your employees will have a sound, solid foundation to last a lifetime.
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Managed IRAs: |
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This type of account is similar to the investment management account. We provide the same type of services such as sitting down with you and developing the best possible investment portfolio that will meet your investment goals. The Managed IRA account is easy to implement and simple to maintain. Community First Trust Company will provide you with periodic statements on your account,file any necessary forms with the government, assign an administrative officer to call whenever you have questions.
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Self-Directed IRAs: |
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With this type of account you may personally manage your IRA or IRA Rollover through investments in stock, bond or mutual funds. You direct your investments and the movement of funds within your account while Community First Trust Company executes those sales and purchases as directed. Community First Trust Company also assumes the responsibility for collecting and distributing account income while maintaining and providing periodic accounting and annual tax information.
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