Investment planning
If you need help sorting through the overwhelming investment options that exist today, we have advisors who can show you comparisons and help you make those important decisions. We can also custom design an investment plan for you that will monitor and maintain your comfort level for risk, and your goals for income.
Investments with safety built in
We have a variety of investment products that can help meet your investment goals and match your risk tolerance, including investments that can protect your principal and provide a minimum growth.
Insurance Planning
We have many insurance plans available that can help protect your assets, your income, and, most importantly, your family. Our advisors can provide level term insurance that you may use to cover mortgage loans. And income insurance not normally available at a bank, and we also have plans that will protect your assets from the devastating cost of long-term care…without annual costs and with benefits to your family even if you never need long-term care.
Retirement planning
At Byron Bank Financial Services we can help you manage your retirement money by establishing a planned income program. Let our advisors create and watch over a plan that is just right for you…letting you get on with the joy of retirement.
Business planning
If you are a business owner, we can help you shop the employee benefit plans available, helping you to control costs while providing your employees with enhanced plans. We can also show you how HRA, FSA, and MSA medical savings plan can help reduce costs and reduce future premium increases. Further, we can help you find a TPA administration of COBRA, HIPPA and retirement plans, and we also offer 401(k), 403 (b), 457, SIMPLE IRA, SEP and defined benefit plan.
College planning services
We can provide custodian accounts, education IRAs (Coverdell) and 529 college savings plan. We also have a service that will analyze and calculate the EFC for parents of high school students who want to go to the best colleges possible, with the lowest out-of-pocket costs possible. This service will also complete FAFSA forms for you.
We offer a wide range of financial products:
- Individual Retirement Accounts (IRAS) [Traditional, Roth, SIMPLE and Rollover IRAs]
- Tax-deferred annuities
- Securities
- Mutual funds
- Unit investment trusts
- Municipal bonds
- Individual stocks and bonds
- Managed accounts
- Financial and estate planning (no fee basis)
Securities are offered by UVEST Financial Services, MEMBER FINRA, SIPC. Insurance products are offered by UVEST Investment Services, a licensed Insurance agency. UVEST and Byron Bank are independent entities.