INDIVIDUAL TRUST SERVICES
Each individual has unique and very personal financial needs. Clinton National Bank trust professionals can work closely with you to design and manage programs to meet you and your family’s long-term financial needs.

INVESTMENT ACCOUNTS

For individuals who do not have the time, expertise or desire to manage their own investment portfolios. Learn more.

For individuals who want access to a wide range of mutual funds or who prefer to make their own investment decisions. Learn more.

For individuals who want Clinton National Bank to provide all the administrative, custody and record keeping services, but who want to manage their own portfolios or choose someone else to manage their investments. Learn more.

RETIREMENT ACCOUNTS
In addition to qualified corporate retirement accounts, pension and 401(k)s, offered by Clinton National Bank, Individual Retirement Accounts (IRAs) are a great way to save for the future. Many people are looking to invest their IRA assets for diversification purposes and for the potential of producing greater return over time. Clinton National Bank can assist you in making the most of these attractive, tax advantaged accounts by helping you establish a new IRA or rollover your current IRA, 401(k) or other qualified retirement plan assets.
 

Contributions may be tax-deductible based on income. Earnings are tax-deferred, with limited penalty-free withdrawals. After age 70 1/2, contributions are disallowed and distribution becomes mandatory. Learn more.
  Contributions are not tax-deductible but earnings can become tax-free on qualified distributions for accounts open five or more years. There are income limitations and limited penalty-free withdrawals. Contributions can continue after age 70 1/2 with no mandatory distributions. Learn more.
  If you are changing jobs or wish to consolidate existing IRA accounts into a single IRA, Clinton National Bank can help. Rollover or transfer retirement funds from a former employer’s plan or other IRA accounts into a Clinton National Bank IRA account. Learn more.

Asset Allocation is choosing the right types of investments and is crucial to achieving your financial goals. We offer a variety of tools to help you select and maintain the right mix of assetsto meet your objectives.

Monitoring your portfolio is easier than ever because all your investments can be viewed over the Internet with TrustReporter. With TrustReporter you can access your account at any time to obtain portfolio summaries, account holdings, market values and transaction information.
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PERSONAL TRUST SERVICES
An increasing number of people are working with their attorneys to establish a personal trust, which can be an effective tool for asset management and protection, tax and estate planning. Clinton National Bank provides trustee services. Learn more.

An index of common fiduciary terms and definitions.
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Some items to consider before selecting your trustee.
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A guide through the various tasks in creating a trust.
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ACCOUNT ACCESSIBILITY

Monitoring your investments is easier than ever, because all your investments can be viewed over the Internet through TrustReporter. You can access your account anytime to obtain portfolio summaries, account holdings, market values and transaction information. Learn more.