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At Southern Michigan Bank & Trust, our goal is to be your complete financial services provider.  To accomplish this goal, we established the Southern Financial Group with two divisions, Trust and Brokerage.  We continue to offer a group of trusted advisors with a broad array of products to fit your individual financial needs.  No two situations are alike.  If you would like help deciding which investment team best suits your situation, contact us today.  We can set up a no obligation appointment to review your options.

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Trust services provided by Southern Michigan Bank & Trustís Southern Financial Group Division are not affiliated with Raymond James and are not FDIC insured. They may lose value and there is no bank guarantee.

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, are: not deposits, not insured by FDIC or any other governmental agency, not guaranteed by Southern Michigan Bank & Trust, are subject to risk, and may lose value. Southern Michigan Bank & Trust and the Southern Financial Group are independent of Raymond James.

Raymond James financial advisors may only conduct business with residents of the state and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.  Raymond Jamesí Privacy Notice.



Check the background of this firm on FINRA's BrokerCheck

Check the background of this investment professional on FINRA's BrokerCheck