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Trust
and Investment Services at First County Bank offer all phases of estate
planning, estate settlement, trust administration, and investment
management.
We combine a high degree of professionalism and expertise with an
emphasis on friendly, flexible service. We know our clients and their
goals, because each relationship is direct and personal. The result
is that our role as fiduciary or advisor is both proactive and highly
responsive.
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Unlike many other larger institutions, First County Bank makes Trust
and Investment Services available to individuals and families whose
accounts range from modest to highly substantial. Our long history
of service in our community over generations reflects our respect
for the needs of every client.
Not only are we dedicated to the continuing financial wellbeing of
all of our clients, we are active participants in the wellbeing of
our community. The Bank’s dedication to mutuality – which
means we are owned by our depositors and have no stockholders –
continues to be an important key to our success.
As we continue to grow, we also continue to seek those financial products
and services that will benefit our customers and help them meet their
financial objectives today and in the future. We invite your inquiries
and look forward to being of service to, your family and your clients.
Personal
Trust & Investment Services
We offer a wide range of trust and fiduciary services for individuals
and families, from highly sophisticated tax and estate planning
to serving as experienced trustee or executor.
Our Trust Officers will meet with you to analyze your total
financial situation including insurance coverage, retirement
and estate planning, and college funding. We will structure
a plan to help you reach your goals. |
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Financial
Planning Services
Today’s financial choices can be confusing. We offer experience
and perspective to assist you in making the best choices and then
managing them to the greatest benefit.
Trusts
- Testamentary / Living Trusts
- Guardian and Conservator
- Agent for Fiduciary
- Supplemental Needs Trust
Retirement Planning Services
Our experts can guide you to the most tax efficient ways to invest
for a secure retirement, assist you in handling a 401(k) rollover
and advise on pension and IRA distributions.
- Pension and Profit Sharing
- Rollover IRAs
Other Investment Services
- Agency Accounts
- Custodian Accounts
- Foundations, Endowments, Charitable Organizations
Insurance Planning
Do you have enough life insurance? Is the coverage on your home,
automobile and other assets adequate? We can help you answer these
important questions.
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Investment
Management
Investing your assets appropriately for your
goals is more challenging than ever. Our professional opinion
on your current portfolio can be an important tool in maximizing
your net worth.
We combine professional investment management with responsive,
personal service. Our relationships with top investment managers
allow us to provide each client with a superior package of
investment research, advisory and analytical services.
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Each investment
portfolio is tailored to meet the client’s specific investment
objectives, based on individual securities, mutual funds or a combination
of each.
For the smaller investor, we offer a program of three separate managed
allocation mutual funds through Federated Investors. Each fund is
broadly diversified and represents a life stage, from tuition funding
to retirement.
Since we offer no proprietary products, our advice is completely independent
and unbiased. We do not make markets in stocks, underwrite securities
or rely on multiple transactions and commissions. Our investment decisions
are made strictly in the best interest of the client.
Personal
Administrative Services
Our experienced team is dedicated to understanding the client’s
financial goals and tailoring asset management to achieve investment
objectives.
Regularly scheduled conferences are held with each client to assure
the ongoing achievement of these objectives. In addition we provide
support services to ensure smooth functioning of each account.
- Coordination with investment, legal and tax services
- Custody and safekeeping of assets
- Maintenance of tax cost information
- Collection of income and automatic reinvestment or payment
- Regular portfolio appraisals and transaction statements
- Annual tax services related to the account
- Networking with other banking services General
Fee Policy
Agency Services
When acting as full service Investment Manager, Advisor or Agent
for the Fiduciary, the Bank will compute a fee commensurate with
responsibilities. Specific services may vary according to the relationship.
Custodian Services
When acting as Custodian, the Bank will hold securities for an individual,
organization or corporation, collecting and disbursing income as
directed. Other basic services include periodic statements and portfolio
appraisals as well as the processing of security sales and purchases
as directed.
Agent / Custodian for the Fiduciary
When acting as a full service Agent or Custodian for the Fiduciary,
the Bank takes on a broader responsibility, involving the high standards
of a responsible financial institution. We can work directly with
the Fiduciary, Accountant, Attorney, and Financial Planner to provide
guidance on matters ranging from Investments to Estate Settlement
Procedures.
Testamentary / Living Trusts, Guardian or Conservator
When acting as full service Trustee, Guardian or Conservator or
Agent for same, we will compute a fee commensurate with responsibilities.
Specific services may vary according to the relationship.
A composite schedule of our customary fees is available. Please
consult a Trust Officer with regard to charges.
Contact
Information
For
more information or to speak with a financial expert from our Trust
and Investment Services Department, please call (203) 462-4200.
David M. Metzgar, CFP, CTFA
Vice President, Sr. Trust Officer
203-462-4267 Phone
dmetzgar@firstcountybank.com
Paul
J. Bubniak
Vice President
203-462-4294 Phone
pbubniak@firstcountybank.com
Maria
L. Sturges, CTFA
Vice President
203-462-4228 Phone
msturges@firstcountybank.com
IMPORTANT! PLEASE NOTE:
This form will be sent via email and that emails are not secure transmissions.
Please DO NOT SEND account numbers, social security numbers or any other information you would like to keep private to First County Bank or anyone else in an email message. Thank you!
IMPORTANT INFORMATION
Trust & Investment Products:
Not FDIC Insured - May Lose Value - No Bank Guarantee |
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