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Trust & Investments
Products and Services Menu
• Investment Accounts (Agency Accounts for individuals, churches, businesses, etc.)
• Targeted Investment Accounts (Agency Accounts for Retirement, College Savings, etc.)
• Financial and Estate Planning
• IRAs, IRA Rollovers and Direct Transfers
• 401(k) Plans and Retirement Plans (Large and Small Employers), SEPs & SIMPLEs (Small Employers)
• Executor under Wills
• Trustee for Living & Testamentary Trusts
• Attorney-in-Fact for Financial Powers of Attorney
What tough financial questions do you need to have answered? What do you need (or want) to do financially?
Our business at Two Rivers Financial Services, Trust Division, is to help guide you to the answers to such questions as:
• “Will my assets last through my retirement?”
• “How can I accumulate enough to have a comfortable retirement?”
• “How can I, as an employer, provide for my own retirement and also attract high quality employees?”
• “Who can provide conservative investments for my church’s endowment account?”
• “What will happen with my finances and assets if I become incapacitated or die?”
• “How can I save for my children’s college expenses?”
• “How can I make sure my assets are managed and preserved for my loved ones in a manner of my own choosing?”
• “What are my options when I want to relax and not worry about managing and investing my assets?”
Even if you don’t know where to start, we can help you analyze your financial situation and guide you based on what you want the end result to be!
Like to get started? Email us today or give us a call at 319-753-9130.
Connect to Your Accounts Online
Two Rivers Bank & Trust is pleased to provide you with online access to your trust, custody, or individual retirement account information. If you have a Personal Trust Account (including IRA's) and would like to access your account online, please contact your account administrator and request a user ID and password. Once your ID and Password have been issued, you will have access to Participant Web or Portfolio Online. Both of these may also be accessed from our home page.
Investment Accounts
(Agency Accounts for individuals, churches, companies, etc.)
Benefits of using our Investment Agency Services:
• Professional help determining your goals
• Professional asset allocation based on your risk tolerance, needs, and time horizon
• Professional investment management saves you time and gives you peace of mind
• Systematic approach and record keeping eliminates concerns regarding proper accounting/tax preparation
• Fees are based on value of assets managed (not on how many transactions occur)|
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Targeted Investment Accounts
(Agency Accounts for Retirement, College Savings, etc.)
Benefits of using our Investment Agency Services:
• Professional help determining your goals
• Professional asset allocation based on your risk tolerance, needs and time horizon
• Professional investment management saves you time and gives you peace of mind
• Systematic approach and record keeping eliminates concerns regarding proper accounting/tax preparation
• Fees are based on value of assets managed (not on how many transactions occur)
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Financial and Estate Planning
Benefits of using our Financial and Estate Planning Services:
• Professional analysis of your current financial situation
• Professional help determining your goals
• Professional development of plans to meet your goals
• Professional guidance as to implementation of the plans
• Availability of products and services to meet your goals
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IRAs, IRA Rollovers and Direct Transfers
Benefits of using our IRAs:
• Unlike some companies offering IRAs, we do not dictate who you can name as beneficiary(ies)
• Professional help determining your goals
• Professional asset allocation based on your risk tolerance, needs and time horizon
• Professional investment management saves you time and gives you peace of mind
• Systematic approach and record keeping eliminates concerns regarding proper accounting
• Fees are based on value of assets managed (not on how many transactions occur)
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401(k) Plans and Retirement Plans
(Large and Small Employers), SEPs & SIMPLEs (Small Employers)
Benefits of using our services for 401(k) Plans and Retirement Plans (Large and Small Employers), SEPs & SIMPLEs (Small Employers):
• Administration of a wide variety of different retirement plans, so we can help you choose the one which best fits your needs
• Local and available for on-site employee meetings
• Quick response to employer questions and problems
• Daily valuation of accounts
• Online access to participants
• Quick turnaround time on reports and statements
• More flexibility on investment choices
• Over 45 years of combined professional experience with ERISA
• A Certified Retirement Services Professional on staff
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Executor under Wills
Benefits of naming us as Executor in your Last Will and Testament:
• Professional asset management
• Training and experience – an executor has many duties which most individuals do not have the training and experience to perform
• Time commitment – the duties are not just ceremonial – we do not have to take time off from our work to handle the estate, it is our work
• Impartiality – one member of the family is not put into a position where they have to handle family disagreements
• Fees – we charge the same fees which an individual named as executor is entitled to request under the Code of Iowa
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Trustee for Living & Testamentary Trusts
Benefits of naming us as Trustee in your Living or Testamentary Trust:
• Professional asset management
• Training and experience – a trustee has many duties which most individuals do not have the training and experience to perform
• Time commitment – the duties are not just ceremonial – we do not have to take time off from our work to handle the trust, it is our work
• Impartiality – one member of the family is not put into a position where they have to handle family disagreements
• Continuity – trusts are sometimes in effect for a number of years – an individual named as trustee can become ill, incapacitated or die – our department continues to work without those drawbacks
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Attorney-in-Fact for Financial Powers of Attorney
Benefits to using our services as an Attorney-in-Fact for your Financial Power of Attorney:
• Professional asset management
• Training and experience
• Time commitment – the duties are not just ceremonial – we do not have to take time off from our work to handle your financial matters, it is our work
• Impartiality – one member of the family is not put into a position where they have to handle family disagreements
• Continuity – an individual named as attorney-in-fact for your financial power of attorney can become ill, incapacitated or die – our department continues to work without those drawbacks
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