• INVESTMENT MANAGEMENT
• INDIVIDUAL RETIREMENT PLANS
• ESTATE PLANNING
• TRUST ADMINISTRATION

INVESTMENT MANAGEMENT

• Personal Investing. Community Trust offers a wide range of investment products not available at a typical community bank such as mutual funds, stocks, bonds and government securities.



1. We will help you develop a customized asset allocation plan by discussing and understanding your risk tolerance, your personal needs, and your cash flow and investment objectives.
2. We will review your account regularly to discuss performance and to make any adjustments necessary to ensure compliance with your investment objectives and goals (“rebalancing”).
3. We will handle for you: The investing of your account assets; collecting and distributing income and/or principal to you or your beneficiaries; keeping records of all transactions; preparing and providing you with quarterly account statements; and preparing and issuing tax reporting data to assist you with preparation of your income tax return.
4. Our fees are very competitive and are based on the value of the account assets, and not on the number of investment trades made.


• Business and Institutional Investing. Community Trust offers automatic cash management services, more commonly known as “daily sweep” services. We utilize very safe, short-term investments and money market mutual funds to provide the liquidity you need, when you need it, while providing a reasonable return on your “excess” cash assets.

INDIVIDUAL RETIREMENT PLANS

Community Trust offers the same wide range of investment products and options regardless of whether you choose to make your own self-directed investment decisions or instead choose to have Community Trust manage your investments for you. There are several types of Individual Retirement Account (IRA) and we can help you choose the best plan for your needs, or help you to consolidate several of your old employer-sponsored plans into one easy-to-manage retirement account. By doing so, you can have more control over your investment choices while still maintaining the tax-deferred status of your retirement account. We can help you with your Traditional IRA, Roth IRA or Rollover IRA.

ESTATE PLANNING

Community Trust recommends that all of our clients accomplish some level of estate planning, sooner rather than later, even if that means simply having a Will and a Healthcare Power of Attorney. Without this minimal level of planning, then at your death, it will be the courts (not your family) that will decide who is to receive your property. Moreover, without estate planning that may include establishment of a living trust or perhaps making lifetime gifts or purchasing life insurance, a significant amount of your wealth may end up being paid out in the form of estate taxes, rather than to your children / grandchildren. We will help you understand your options and can refer you to an estate planning expert if you do not already have a trusted attorney as part of your financial “team”. Typically, your team of financial advisors will include your tax accountant, attorney, insurance agent and trust officer.

TRUST ADMINISTRATION

In the event that your estate plan includes the establishment of a trust, Community Trust has been helping families achieve their financial goals for the past 16 years including the administration of numerous types of trusts.

• South Dakota Dynasty Trust
• Testamentary Trust (Trust Under Will or Pourover Will)
• Revocable Living Trust (RLT)
• Marital Trust, i.e., QTIP
• Credit Shelter Trust
• Irrevocable Life Insurance Trust (ILIT)
• Charitable Trusts, i.e., CRT, CLT
• Third-party farm management services
• Conservatorships
• Endowments / Foundations

Non Deposit Investment Disclosure: Products of Community Trust are not FDIC insured, may go down in value, not financial institution guaranteed, not a deposit and not insured by any federal government agency.