Financial / Retirement Planning

Do you have enough to retire? 

As a Wealth Management customer, you will gain access to:
  • Cash flow projections and analysis.
  • Simulations to help predict shortfalls or adjustments to retirement plans.
Assist with spending plan – all retirement assets are not treated equally.
  • We help determine which account to draw from on an annual basis, to minimize tax.
  • Assist with college funding/planning.

Estate Planning

We do not provide legal services, but we can work with you to ensure that your documents achieve your wishes.

Additional services:
  • Run estate flow charts to estimate estate tax ramifications.
  • Help interpret estate documents.

Risk Management

  • We can assist with evaluating life insurance coverage.
  • We can help identify gaps in other insurance coverages.

Tax Planning & Coordination with Advisors

 Our Wealth Management team can help analyze tax returns and coordinate with other advisors such as:
  • CPA's
  • Attorneys
  • Insurance Agents

Products provided by Southern Michigan Bank & Trust’s Wealth Management department are not FDIC insured. They may lose value and there is no bank guarantee.
Banking products are provided by Southern Michigan Bank & Trust. Member FDIC. Consult your legal and/or tax advisors before making any financial decisions.