Author: Christopher D. Martin, Attorney/Wealth Management Advisor

Life doesn’t follow a straight line. You build a career, start a family (or a business), support aging parents, face market cycles, and eventually turn savings into steady retirement income. Through all of it, the right financial advisor helps you move from good intentions to an actionable plan that adapts as life changes. PremierBank’s Wealth Management group adds something rare to that equation: deep trust and estate experience working hand-in-hand with investment guidance, so your financial plan, tax strategy, and estate plan all pull in the same direction.

Why advice matters at every stage

• Starting out: Set up cash-flow and savings systems, tackle student loans the smart way, build an emergency fund, and start investing with a risk level that fits both your goals and your sleep schedule.
• Growing family or business: Balance retirement savings with college funding, protect income with the right insurance mix, coordinate titles and beneficiary designations across core estate documents (trust, wills, and powers of attorney) that keep surprises from becoming setbacks.
• Pre-retirement: Stress-test retirement income, refine your allocation, evaluate Social Security timing and pensions, and consider tax-aware moves such as partial Roth conversions while you still control the timing.
• Retirement and legacy: Turn assets into sustainable income, simplify accounts, manage taxes across account types, and align giving and legacy goals with the way your estate will actually be administered.

Across all stages of life, great advice should be personalized, proactive, and ongoing with regular check-ins, timely adjustments, and clear accountability.

What a trust-and-estates-savvy advisor adds

When your advisor understands the legal mechanics of wealth—how accounts are titled, how trusts both protect and distribute assets, how step-up in basis works, and when beneficiary designations override a will—planning gets sharper and results more reliable. That shows up in:

• Coordinated estate design: Titling, beneficiaries, and trust terms that match your living plan, not just what’s on paper.
• Efficient wealth transfers: Strategies that anticipate taxes, charitable intent, special-needs planning, and probate/trust administration realities and, in doing so, reduce friction and surprises.
• Tax-aware implementation: Investment location (taxable vs. tax-deferred), withdrawal sequencing, gifting, and charitable tools—all chosen to support both growth today and efficient settlement tomorrow.

How PremierBank Wealth Management helps: Services at a glance

PremierBank’s Wealth Management team offers integrated services that span investments and the legal/administrative side of wealth, so your plan is cohesive from strategy to settlement:

• Investment management: A disciplined approach to building a portfolio aligned with your goals and risk tolerance; we assess, guide, and construct a personalized mix designed to fit your needs.
• Estate planning guidance: We collaborate with you, your attorney, and your accountant to select fiduciaries, avoid probate where appropriate, establish charitable gifts and bequests, nominate guardians, plan for heirs with special needs, and minimize taxes to reduce settlement costs.
• Trust administration and estate settlement: From serving as trustee (or executor under a will) to handling asset management, bill pay, scholarships, and custodial services (even oversight for minors and beneficiaries with special needs), we are equipped to carry your instructions through with care, clarity, and dignity.
• IRAs and retirement: Multiple IRA options and retirement planning support to help you choose the right vehicle for accumulating (and later distributing) tax-advantaged savings.

One team, one plan: Integrated planning reduces risk

Investment advice and estate planning often happen in silos. That’s where gaps arise—out-of-date beneficiary designations, conflicting instructions between a will and account titling, or a trust that never gets funded. Our model is deliberately different: advisors and trust professionals collaborate continuously, then carry the plan forward through trustee services and (when needed) estate settlement. The result is fewer handoffs, less confusion, and a smoother path from “what you want” to “what actually happens.”

Get started today

Not sure which advisor is right for you? No problem. Let’s start with a conversation, and we’ll guide you to the best fit. Call 920-563-6616 x3070 or email wealth@bankwithpremier.com to connect with our Wealth Management group.

Always consult with your tax advisor before making any decisions. Not FDIC insured. Not insured by any government agency. No bank guarantee. May lose value.