Personal Wealth Management

Central Bank can help you reach your financial goals by providing an integrated approach that combines investment counseling, banking, estate planning, trust management and insurance.

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Financial security requires a step-by-step process to reach your ultimate goal. It is a journey based on a sound plan, expert advice and careful attention to detail.

We charge no fees based on buying and selling assets. Our fee structure is based on a simple principle: We are successful when you are. We use a purely open-architecture approach and accept no fee rebates from the mutual fund companies we select. And it’s important for you to know we do not use any proprietary Central Bank products.

At Central Bank, our Wealth Management Group is here to assist you. We’re right here, near you, working face to face and providing a single, comprehensive relationship for your most important personal decisions.

Learn more about Central Bank Wealth Management.

What We Do

For individuals, families and business owners with complex banking needs, the Central Bank Wealth Management Group offers local commitment, consistent processes and dedicated service to help uncover solutions for your financial needs.

We act as a fiduciary on your behalf, always acting in your best interest. You determine the amount of risk you are comfortable with, and we will help you manage that risk. As professionals, we have the accreditations and credentials to ensure we are always current with ever-changing laws and regulations.

Investment Management

Investment management begins with the fundamentals of sound investing. In a personal meeting, we will assess your tolerance to risk, time horizon and investment objectives. With these three things in mind, we can suggest an asset allocation strategy that will meet your long-term needs. This solid base will allow us to build a portfolio that meets all your objectives.

Risk Tolerance

Your tolerance to risk is an important part of the base for deciding what goes into your investment portfolio. We talk to you about risk parameters and how they can affect asset management. The management and tolerance of risk are considered within your time horizon to determine the quantity and type of investment products within the portfolio.

Time Horizon

The span between when you are considering an investment decision and the time when the investor will need the money is considered the time horizon. It can usually be categorized as short, medium or long, as follows:

Category	Time
Short	1–3 years
Medium	4–9 years
Long	10 years or more

Investment Objectives

Most likely, you have a clear understanding of what you are saving for. Our investment specialists can help guide you, using risk tolerance and time horizon, toward meeting your investment objective, whether that is saving for a house, saving for retirement or putting your children through college. The objective is important and can only be reachable if you have a clear idea of what it will take. The job of the Wealth Management professional is to explain the path needed to successfully reach your investment objective.

Asset Allocation Strategy

After risk tolerance, time horizon and investment objectives are determined, an investment professional can help you decide what asset allocation is needed to achieve the desired results. Portfolios are typically comprised of a mixture of investments dependent on your risk tolerance and time horizon. And, the investment team at Central Bank & Trust Co. has put together several models to help make selecting an asset allocation strategy easier.

Private Banking

Central Bank’s Private Banking is a comprehensive blend of financial services. It is designed to offer our clients one point of contact and assist them in managing the financial services needed to achieve financial security.

Services Include

Cash management
Home equity lines
Risk analysis and management
Tax planning and preparation
Gifting strategies
Family asset management
Development and review of stock-option strategies
Diversification of large blocks of low-basis stock

Contact Us

Greg Shewmaker

859-253-6377

gshewmaker@centralbank.com

Certified Financial Planning

A Certified Financial Planner (CFP) can assist you with planning in a multitude of areas.

Services Include

Investment Analysis
Retirement Planning
Educational Planning
Life Insurance Review
Disability Insurance Review
Long-Term Care Insurance Planning
Estate Planning

Trust & Estate Planning

As a part of our approach, our Wealth Management Services team provides comprehensive estate planning to help you understand the complexities of taxes, trusts, investments and a host of other factors. They have an in-depth knowledge of the latest developments in the fields of federal and state tax laws, trusts, wills and estate settlement.

Services Include

Estate-planning strategies
Wealth preservation and transfer strategies
Charitable giving options
Estate settlement services
Agent for the executor
Professional investment management
Rollover IRAs

If specialists are needed, additional tax and estate-planning expertise is always available to our clients.

Retirement Accounts

Save for your retirement by employing a savings plan that can also give you tax advantages.⁸

Traditional IRA

Your contributions may be tax-deductible.

Roth IRA

If you meet certain requirements, withdrawals may be tax-free.

Simplified Employee Pension

A savings plan designed for small businesses and self-employed individuals.

Get started

Call to learn more

Matt Frank, CFP® Vice President, Business Development Officer