Serious investing is a full-time job. Based upon your goals and circumstances, we develop an investment strategy for you. An asset allocation plan will be employed to optimize your portfolio, reducing investment risk through sound diversification. We will submit our recommendations for your approval, or execute them on your behalf, based upon your written objectives. You'll receive regular reports and reviews of the account's progress.
Some of our investment clients choose to have us serve as their agent, acting under a letter of instructions. Increasingly, however, clients prefer to set up revocable trusts. In the event of a client's illness or incapacity, the terms of a trust may authorize us to step in and provide full personal financial management services for as long as required. Revocable living trusts also may offer estate planning advantages.
People who sell their businesses or investment real estate generally have to pay income tax on their capital gains. By contrast, people receiving lump sums from company retirement plans can choose to pay income tax immediately or execute a tax-deferred rollover. With their tax-deferred nature, IRA rollovers present somewhat unusual investment issues, which need to be addressed in the context of a full review of financial resources.
A charitable trust can provide financial protection for you or your family members as well as substantial support for your favored charity. We will work with you and your personal attorney to help you determine how you may best meet your philanthropic goals.
The job of estate settlement is not simply an "honorary" one;it is a complex series of steps that need to be handled properly. Whether your estate will be large or small, you should not put this task into inexperienced hands. Your will can designate us to handle this critical responsibility.
A legacy in trust, whether for a surviving spouse, a child or other family members, can provide for a lifetime of financial security through careful, professional management.
People's United can assist you in your retirement planning in the following ways:
Custody and Investment Management Services for the following:
- Pension
- Profit Sharing
- Money Purchase
- IRAs, to include rollovers and SEPs
Coordination of administrative services in conjunction with your Profit Sharing and Money Purchase Plans.
We would be happy to discuss our Wealth Management & Trust Services with you personally. To arrange a convenient time, please contact Kathleen Morales at (203) 338-7153.
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