Investing

Collaborate with an expert to grow your small business portfolio.

As a business owner, you’re working hard to succeed. Growing your business is challenging. Let us relieve your stress with our experience handling investments. We will provide you with expert advice and tools to maximize your business’s financial growth.

 

 

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401(k) Plans

Employers that offer a 401(k) plan typically match a percentage or fixed dollar amount that correlates to employee contribution. We want to work together with you to create a plan that works best for your business and employees.

Contributions made from both the employer and employee are tax-deferred. Our 401(k) will help you have a higher earning potential than other individual IRA plans.**




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SIMPLE IRA

Savings Incentive Match Plan for Employees (SIMPLE) IRA** plans are an easy way to offer a tax-advantaged, company-sponsored retirement plan. This plan may benefit your business if it employs 100 or fewer employees and doesn’t provide any other retirement options.

How can a SIMPLE IRA benefit my business?

  • Pay minimal administration fees
  • Easily match employee contributions or match a fixed percentage of eligible employees’ pay
  • Contributions are deductible from our business expenses



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SEP IRA

A Simplified Employee Pension Plan (SEP) IRA is a plan that offers flexibility. Every year, select a contribution amount to the SEP IRA on behalf of eligible employees. Contributions can be sent easily through data transmission.

How can a SEP IRA benefit my business?

  • Contributions made by you (the employer) will be tax-deductible*
  • Your employees will receive tax-deferred* earnings
  • SEP IRAs are easy to setup
  • Several investment products such as stocks, bonds, mutual funds, and bank products including FDIC-insured CDs and money market accounts



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Bond Accounting

Our fixed-income accounting and reporting system will provide you with professional support and customer service1. Paragon®, Bank Central’s solution for investment accounting and reporting, is designed to help customers meet compliance requirements. It’s also a helpful tool to stay up-to-date on portfolio performance. These resources will add efficiency and accuracy to your financial investment decisions.




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Central Investment Advisors

Create a retirement plan to benefit owners, managers, and employees. Our professional and experienced staff at Central Investment Advisors are here to help you along the way.2

Employers

  • You decide how much to contribute
  • You are entitled to tax deductions for contributions made to employee accounts

Employees

  • They control how much to contribute to their account
  • They may take benefits with them when they leave the company



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Central Trust Company

You’re working hard to grow your business, so let Central Trust Company provide you with the best tailored services. From endowment management, qualified plan management and administration, separate account management, and custodial services, we have you covered.3

We’ll help you customize your financial needs:

  • Objective Advice
  • Succession Planning
  • Investment Management
  • Retirement Planning



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Central Capital Markets

Central Capital Markets1 (CCM) offers a variety of fixed income products, trading desks, and platforms. CCM is an institutional division of Bank Central, and takes pride in offering personable service and advice at competitive rates. It’s a goal to understand your institution, structure, and vision for your investments.

Fixed Income Products

  • U.S. Treasury Securities
  • Government Agency Securities
  • Municipal Bonds
  • Certificates of Deposit
  • Mortgage-Backed Securities
  • Corporate Bonds
  • Asset Backed Securities
  • Commercial Paper

Contact us today at (719) 309-3339 to chat with a business banking representative, or you can visit your local Bank Central location to learn more.

*Please consult your tax advisor.
** In some cases, this service may consist of deposit and non-deposit products that may or may not be FDIC insured. Non-insured FDIC products are not considered a deposit of, obligation of, nor guaranteed by the bank, and are subject to investment risk including the possible loss of principal invested.
1 Coverage cannot be bound nor changed without speaking directly to a licensed insurance agent. Insurance products are not available in all states. Not a Deposit. Not FDIC Insured. Not insured by any federal government agency. Not guaranteed by the bank or any of its affiliates. May go down in value.
2 Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Central Bank and Central Investment Advisors are not registered broker/dealers and are not affiliated with LPL Financial.
The investment products sold through LPL Financial are Not Insured by FDIC or Any Other Government | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value. These products are not obligations of Central Bank and are not endorsed, recommended or guaranteed by Central Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.
The LPL representative associated with this website may discuss and/or transact business with residents of all states and the District of Columbia, except Delaware, Indiana, North Dakota, Rhode Island.
3 Products and services offered by Central Trust Company are not insured by the FDIC, are not deposits of or guaranteed by any depository institution or affiliate bank and are subject to investment risks, including possible loss of principal amount invested. Insurance products are available through and underwritten by non-affiliated insurance companies.