The best financial planning services are an investment in your own peace of mind. Decisions you make about things like education planning, debt management and risk management can help you build wealth and long-term financial independence.
At CSB, financial planning isn’t just about numbers — it’s about clarity and confidence in every decision. You get real-time access to insights about your financial life, including net worth, individual accounts (even those outside of CSB), your risk protection products, debt oversight, and future projections on your investment growth and cash flow well into retirement.
Here are just a few ways financial planning services at CSB can benefit you:
Debt Management
Debt can be an anchor on your financial life or a strategic tool, depending on how you use it. We can help you analyze how business,
personal and real estate debt is structured. We can also help you best manage debt by evaluating interest rates, payment terms and your cash flow.
Insurance and risk management
Life isn’t always predictable. Planning for the unpredictable is a part of smart financial planning. We can help protect you and your family with
recommendations for life and disability insurance, long-term care insurance and other tools to support stability even if the worst happens.
Tax planning
As your financial life evolves, taxes often become much more complicated. But making the right choices early can have a big impact on your financial
situation later. We can help manage your tax burden through income and capital gains strategies, saving and withdrawal strategies, asset location,
Roth IRA conversions for tax-free growth, and through charitable planning.
Education planning
Using smart education planning strategies can save your family — and future generations — money. We can help with 529 plans, custodial accounts,
trusts for funding education and more. Investing in education doesn’t have to come at the expense of your retirement, or other goals. Let us
help you plan smart.
The best financial planning in Des Moines and across the Midwest begins with you. Our financial planning services are built on partnership. Let’s talk about what a smarter financial future looks like for you.
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.