Find the Right Investments to Meet Your Goals

Whatever your objectives are, our process begins with your Financial Advisor taking the time to listen to you to gain a clear understanding of your needs. We call it the Client Experience, and it guides every interaction we have with you.

Our services and products are designed to meet a wide variety of investment objectives, including, but not limited to:

• Capital appreciation
• Income generation
• Diversifying portfolio concentrations
• Tax minimization
• Protecting your future with  long term care and insurance programs

Find your Financial Advisor at a nearby branch.

Professional Portfolio Management

There comes a time when many investors want to delegate responsibility for their investments to qualified professionals. For investors who desire a professionally managed portfolio, we offer asset allocation, strategies, and investments that suit their needs.

Your Financial Advisor will help you define a strategy based on your investment objectives, time frames, and comfort level with risk. You can choose from various professionally managed investment programs and enjoy:

• The comfort of knowing your investments are professionally managed.
• Ongoing monitoring of outside managers by investment professionals.
• Personalized asset allocation for your managed accounts.
• Automatic portfolio rebalancing.
• The services of a qualified Financial Advisor who guides you through the process and provides ongoing support.
• The flexibility to change with your evolving needs.

Note: For discretionary investment services, trust services, estate settlement services, and estate planning services, refer to Frontier Bank’s Investment, Trust, and Estate Settlement Services.

Save for Retirement

You can start planning today for a financially independent retirement. And business owners can help employees do the same. Your Financial Advisor can help you:

• Pick an IRA that’s right for your needs.
• Invest your retirement plan assets with a SEP or rollover IRA or 401(k).
• Start a retirement plan for your employees.

Start estimating how prepared you are for retirement – use our Retirement Calculator.

Insurance and Annuities

Offering insurance and fixed annuity products from various well-known insurance companies, your Financial Advisor can help you:

• Select life insurance products that can protect your loved ones if you should die prematurely.
• Appropriately pay for long term care expenses.
• Select annuities that can protect your retirement by generating guaranteed payments designed to last as long as you live. (Guarantees are based on the claims-paying ability of the insurer.)
• Use annuities to provide tax-deferred accumulation, which can be a smart alternative to CDs. Your Financial Advisor or a Frontier Bank licensed branch employee will help you understand how annuities can fit into your investment plan.

*Annuities involve market risk and should be considered as long-term investments. Withdrawals are subject to income taxes and may be subject to penalties if withdrawn before age 59 ½.

Choose the Best Account for Your Needs

We realize that no single approach to wealth management suits every investor. That’s why we offer several ways for you to work with your Financial Advisor and do business with us.

Our client relationships can be divided into two broad styles with different pricing methods:

• Transaction-based
• Asset-based

Transaction-Based Account Relationships

With this account relationship:

• Clients pay for the services they request, such as buying and selling stocks, bonds, mutual funds, and annuities.
• Payment may be in the form of:
  • Commissions or other fees for each transaction.
  • Deferred sales charges.
  • Built-in expenses in products such as mutual funds, variable annuities, and fixed annuities. Clients can conduct transaction-based business with us through investment, education savings, retirement, trust, and other accounts we offer.

Asset-Based Account Relationships

In asset-based relationships:

• Clients pay fees on a quarterly basis rather than commission on transactions.
• Fees may cover a variety of services.
• Fees are based primarily on the amount of eligible assets in the account.

Our asset-based accounts can be divided into three categories:

• Client directed brokerage accounts.
• Investment management consulting, where assets are invested in a mutual fund asset allocation program or managed by investment managers.
• Client directed advisory accounts.

Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II and in the client agreement.