Maximize Your ESOP

FROM OWNERSHIP TO RETIREMENT

Built on a Time-Tested Approach           



In addition to actively participating in Garney’s employee stock ownership plan (ESOP), and possibly saving outside of your plan, you still may not have the confidence that you will be able to enjoy the lifestyle you envision in retirement. 

A Commerce Trust advisor who understands the specifics of the Garney ESOP and benefits can help answer questions such as:

  • Can I retire early?
  • How much income do I need in retirement?
  • How will I pay for healthcare in retirement?
  • What do I need to know about Social Security and Medicare?
  • Can I continue to support an elderly or special needs family member?
  • What tax consequences should I consider?
  • Are my benefits portable?

The Commerce Trust team of over 100 practiced, credentialed investment professionals collaborate to act as your investment office.

A Team of Specialists Working Together For You

Led by your relationship manager, your multi-disciplinary team will collaborate to offer guidance on a wide range of wealth management needs that takes into account your holistic financial picture.

Wealth Management

Wealth Management Consultant


Initially evaluates your situation, gathers information, presents our capabilities and assembles the in-house team. 

In addition to retirement planning, Commerce Trust offers:

 

Investment Management Services

Investment Management

In-house portfolio managers build a mix of investments to suit your specific needs.

Financial Planning

Financial Planning

Professional guidance to help you identify your personal and financial goals, objectives, and risk tolerance to create a customized plan specific to your situation.

Private Banking

Private Banking and Cashflow Management

A full range of customized banking services to simplify your day-to-day financial management and optimize your complete financial picture as well as unique loan solutions tailored to your family’s needs.

Trust and Estate Planning-1

Estate Planning and Protection

An experienced advisor can help you recognize potential risks to you and your family, identify ways to minimize your exposure, and keep you in control of your financial future to protect your wealth and navigate the process of setting up a trust.

* Incorporating alternative investment, such as derivatives, hedge funds, private equity, REITs, and commodities, into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Before you invest in alternative investments, you should consider your overall financial situation, how much money you have to invest, your need for liquidity, and your tolerance for risk.

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