Let's Talk About You
You are unique. So why should your financial plan be any different? CSB’s wealth management team is different from most others. We learn about you. Your family. Your goals. Your vision. Then we develop a plan to help you turn your vision into reality. No preplanned investment models. No risk-profiled portfolios. Just a plan 100% unique to you. That’s wealth management services from CSB.
Why Wealth Management Services?
Some of the financial decisions you make aren’t decisions you make often. And some can have a significant impact that lasts a couple years, or even a few decades down the road.
Partnering with CSB’s wealth management team can help you design an individualized plan to match your financial vision today and years from now. It’s not just about making prudent investment decisions, although that’s important. It’s also about retirement planning, estate planning, tax planning, legacy planning, business succession planning and more. In a nutshell, you have a vision of what life should be.
Wealth management provides the financial road map to bring that vision to reality. That’s how we approach wealth management at CSB.
How to Choose a Wealth Manager
Choosing a wealth management team is a very big investment in your future. If you don’t feel a high level of trust, confidence and comfort when working with them, it might not be the right fit. Here are a few questions to help you determine if you’re making the choice that’s right for you.
Wealth managers at CSB are fiduciaries. That means they are legally bound to act in your best interest.
At CSB, our wealth management fees are a percentage of “assets under management,” meaning the money we manage for you. That means we benefit when you do. We make our fees as transparent as possible. Our incentive is to help you preserve and grow your wealth.
Wealth management at CSB is comprehensive. We can help with retirement planning, trusts, tax strategies, estate planning and more.
Our team has decades of experience and certifications that demonstrate a broad range of expertise.
CSB doesn’t have investment models. We personalize your investments based on your unique needs. If you’re offered an investment model or platform, you’re probably not getting the unique considerations you deserve.
At CSB, the answer is “you’re looking at them.” If you’re not working directly with the people actually investing your money, are you really getting personalized service?
Let Us Introduce Ourselves
What makes CSB wealth management services unique? One difference is that you work directly with our team. No paying extra for someone to “manage the relationship.” And no buffers between you and the people doing the work. We believe you working directly with our team eliminates miscommunication and allows us to understand your vision more clearly. Here’s the team you’ll work with.
A few ways wealth management services from CSB can benefit you:
- Develop retirement plans, including Social Security and Medicare consulting, investment management, tax-efficient withdrawal strategies and long-term cash-flow projections.
- Provide strategies, including trust recommendations, that can help you pass wealth on to future generations.
- Establish charitable giving strategies that align with philanthropic values and tax benefits.
- Plan giving strategies that provide for family members during your lifetime— when it may be more beneficial — rather than afterward.
- Serve as third-party executor/trustee for family trusts when family members can’t or don’t want the responsibility of administering the trust.
We’ll be honest. We may not be the right wealth management team for everybody. We strive to offer a distinctive approach to wealth management that combines personalized service and deep local experience – something our clients in Des Moines and Central Iowa can value.
Sign and Switch
Whether you're managing your own accounts or ready to transfer accounts over from your current financial advisor, we make switching to CSB as easy as signing a few documents. You don’t even have to talk to anyone at your current provider.