Personal Investing with Central Trust Company

We create and manage a customized investment plan based upon your individual goals, needs, risk tolerance, and time horizon. Importantly, we adhere to the fiduciary standard and you can be assured that the advice we provide and the investment plan that we craft is free from conflicts of interest.

The financial planning process takes a holistic approach; reviewing all of your assets and liabilities and specifically reviewing retirement, education, insurance, income tax and estate planning. We also analyze your existing investment portfolio to determine whether or not your asset allocation meets your objectives and risk tolerance.

As the sponsor of your company’s retirement plan, you often assume significant liability. First and foremost, the plan sponsor must act as a fiduciary for the employees enrolled in your plan. Our team of experienced retirement professionals can help your business meet its fiduciary responsibility and, importantly, reduce some of the liability.

It is important to the future of your family to make sure your wishes are carried out as you intended. We assist our clients with a review of their estate plan and serve in various capacities such as trustee, co-trustee, and personal representative.

Business sales and succession are typically complex. Beyond income tax and estate tax implications, you will have to make decisions about who will take over when you are no longer involved in the business. Additionally, is a stock sale or asset sale best for your situation? Over the years, we have guided our clients through the business succession planning process ensuring that you are prepared for your next chapter.

Decisions about how best to make charitable gifts and what structure have become ever more complicated. Is a Private Foundation best for you or are you better served by a Donor Advised Fund? We take the time to analyze your unique needs and goals to help you make the best decision for all concerned. Further, we assist non-profit organizations through customized investment management, endowment management, cash flow needs, grant applications and even foundation management.