Active Investment Management

You assign us discretion to manage investments. 


We work with you to arrive at an appropriate asset allocation.

  • We focus on diversifying portfolios.
  • We invest using a variety of options (stocks, bonds, mutual funds, ETFs, alternatives and others).
  • We monitor the account and investments to ensure that they are meeting your goals and expectations.

Types of accounts

  • Taxable (agency accounts)
  • IRA
  • Roth IRA
  • SIMPLE IRA
  • Municipality
  • Foundation
  • Endowment
  • 401(k)

Tax Management

  • Awareness of short-term and long-term capital gains.
  • Analyze appropriateness of taxable vs. tax-free income.
  • Employ tax swaps and tax loss harvesting when appropriate.

Custody Capacity

  • Hold assets for safekeeping, but do not manage the assets. 

 

Southern Michigan Bank & Trust Wealth Management professionals provide an intense focus on understanding our clients and the goals they seek to achieve and in collaboration with our investment partner, we leverage their outstanding investment skills and decades of experience to construct and manage portfolios designed to achieve each client’s investment goals within their risk parameters. Together we deliver a depth and breadth of client service and investment management expertise commonly found in only the largest institutions that often lack the local touch and attention that makes the client experience positive. We believe that the combination of expertise, industry-specific knowledge and experience and a personalized approach to developing fiduciary-quality investment solutions tailored to your needs and circumstances makes us a unique and valuable partner in supporting your financial goals.



Midwest Trust

  • SEC Registered Investment Advisory Firm
  • $17.9 billion in assets under management (12/31/2025)
  • 50 Associates
    • 31 Investment Professionals
    • 28 Portfolio Managers
    • 14 CFAs
    • 7 CFPs
    • 16 MBAs
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.
Consult your legal and/or tax advisors before making any financial decisions.