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Trust & Financial Services

 

Do you have a plan for managing your wealth?  Are you satisfied with it?

The quality of your plan will have a lasting impact on your financial security and peace of mind and that of your family.  It's not something that you can handle alone.  In the increasingly unpredictable world in which we live, your wealth management plan needs the steady, stabilizing influence of a corporate fiduciary, such as us.

What is a corporate fiduciary?  That's the legal term covering our services as Trustee and during estate settlement.  What can a corporate fiduciary do that other investment advisors can't?  That's the purpose of this guide, to introduce you to our services and the ways in which you and your family may benefit from them.  However, these are not cookie-cutter, one-size-fits-all solutions.  Your trust-based financial plan will need to be tailored to your family's unique needs and objectives.

Interested in learning more about the scope of our trust and financial services?  Contact an Investment Professional to receive this free, full-length guide.

Trust Account Online Access (PAL)

Welcome to the Trust & Financial Services Department Portfolio Account Link (PAL).  We are pleased to offer FREE 24-hour, 365-days a year online access to account information through this interface.

Trust & Financial Service clients, who have been issued a PAL User ID and password, you may login to your account here.

If you are a current Trust & Financial Services client, but have not been issued a PAL User ID and password, complete the Trust Account Online Access Application to obtain access to your account and investment information.  Once completed, please send in as follows to gain access to your secure account information.

  • Fax:  906.482.0629
  • Mail:  PO Box 450, Hancock, MI 49930
  • Drop-off:  235 Quincy Street, Hancock, MI 49930

Online Access to Account and Investment Information:

Through PAL, you have instant access and detailed reports for all of your trust accounts.

Features:

  • Account summaries and transaction activity
  • Investment detail
  • Tax lot listing
  • Online statement availability
  • Strong password protection with dual-factor authentication

We are committed to ensuring the security and confidentiality of your financial information.  Should you experience any issues logging into PAL, please call the Trust & Financial Services Department at 906.482.0404.

Helpful Links:

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Investment Management

Our professional Trust & Financial Service Officers will work with you to identify your financial needs and develop an investment strategy suited for you, taking into consideration your age, risk tolerance and goals.

Investment Solutions:

Our experienced investment officers can provide financial expertise for your personal or business needs that are tailored to meet specific goals and objectives.

  • Personal
    • Building a portfolio
    • Managing assets and investments
    • Retirement planning
    • Rollovers
    • Estate planning and administration
  • Corporate & Municipal, Foundation
    • Short-term cash management to perpetual investing
    • Develop and maintain investment policies
    • Work closely with boards and committees

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Trust & Estate Administration

Let Superior National Bank’s Trust & Financial Services Department be your prudent administrator for both Trust and Estate settlement.

Trust Administration:

Acting as your agent to care for daily administrative tasks as needed.

  • Pay bills
  • Provide detailed financial accountings
  • Manage real estate and payment of property taxes
  • Work closely with CPAs and attorneys

Trustee Services:

Providing you a tailored solution to carry out the terms of your trust with integrity and confidentiality.

  • Serve as and work with the Trustee and/or Successor Trustee, as designated
  • Custody services
  • Trust accounting
  • Tax review and filing
  • Record keeping services
  • Investment management
  • Asset distribution

Estate Administration:

Serving as personal representative or executor when a person passes away requires competence and sensitivity.  We are your estate solution in carrying out the decedent's final wishes.

  • Collect and secure assets
  • Communicate with and distribute assets to beneficiaries
  • Pay debts, expenses and taxes
  • File tax returns

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IRAs and Rollovers

Traditional IRAs and Rollovers:

Self Directed IRA

  • Contributions may be deductible
  • Full array of investment options
    • stocks
    • bonds
    • certificates of deposit
    • precious metals
  • 2017 contribution limit: up to $5,500 ($6,500 for those aged 50 and older)
  • Tax deferred growth

Roth IRA:

Self Directed IRA

  • Contributions are made on a nondeductible basis, but withdrawals are tax free with certain limitations
  • Full array of investment options
    • stocks
    • bonds
    • certificates of deposit
    • precious metals
  • 2017 contribution limit: up to $5,500 ($6,500 for those aged 50 and older)
  • No minimum distribution rules

Helpful Links:

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Brokerage Services

Providing the products you need to achieve your financial goals.  Enjoy the best of both worlds, a high-powered industry-leading brokerage, Cetera Investment Services LLC, partnered with local, personal service through the Trust & Financial Services of Superior National Bank.

Offering a wide variety of products and services:

  • Mutual funds
  • Stocks
  • Bonds
  • Money market funds
  • Tax-advantaged investments
  • Self-directed traditional and Roth IRAs
  • 401(k) and retirement plan rollovers
  • SIMPLE, SEP, 403B retirement plans
  • 529 College Savings Plans and Coverdell Education Savings accounts
  • Tax-deferred fixed and variable annuities
  • Life insurance policies and analysis

Helpful Links

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Check the background of this investment professional on FINRA’s BrokerCheck. 

http://brokercheck.finra.org

Disclosure:

Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA / SIPC.  Advisory services are offered through Cetera Investment Advisers LLC.  Neither firm is affiliated with the financial institution where investment services are offered. Investments are not FDIC insured, may lose value, not financial institution guaranteed, not a deposit, and are not insured by any federal government agency.

Financial Professionals are registered to conduct securities business and licensed to conduct business in limited states.  Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements.  The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

View Cetera Investment Services Privacy Policy and other important information.