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Investment Management

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When developing our investment recommendations, we examine the clientís short-term and long-term objectives, risk profile, and investment goals. We combine this information with our outlook for the economy and financial markets to develop a custom tailored asset allocation. We then develop a portfolio of stocks, bonds, mutual funds, and alternative investments, personalized to each clientís goals.

Investment Planning

As your assets increase, you may find that you need an experienced investment manager to assist you in the development of a diversified investment portfolio. Individuals, businesses, and charitable organizations will find the expertise they need at Southern Financial Group. Our professionals can create a custom investment portfolio designed to meet the needs, goals and objectives of each individual or business.

Financial Planning

Having a plan will help you to obtain your financial goals. Whether you are planning for retirement, saving for your childís college education, paying down debt, starting a gifting program, or thinking about your estate plan, we can help determine if you are on track to meet your long-term financial goals.


We address the unique challenges facing municipalities by having a thorough understanding of municipal investment guidelines, and policies, and an in-depth knowledge of the financial markets.

For more on these and other related topics, read our helpful brochure about Southern's investment management and trust services.









Products provided by Southern Michigan Bank & Trustís Wealth Management department are not FDIC insured. They may lose value and there is no bank guarantee.