OFFERING PERSONALIZED RETIREMENT PLANS FOR YOUR BUSINESS

At Community Bank, we pride ourselves in the relationships we have cultivated with our business customers. It’s that personalized service in banking, insurance and investments that sets us apart from our competitors. The relationships we created with our community are how we got our name and how we continue to grow.

Types of Business Retirement Plans:

• 401(k)
• Simple IRA
• SEP IRA

Benefits of Business Retirement Plans

• ATTRACT BETTER EMPLOYEES BY OFFERING THIS ADDED BENEFIT
• REALIZE THE TAX BENEFITS THAT RETIREMENT PLANS CONTAIN*
• PERSONALIZE YOUR PLAN TO FIT YOUR INDIVIDUAL NEEDS
• ENHANCE YOU AND YOUR EMPLOYEES FUTURE

Services Provided

• HELP ESTABLISH ACCOUNTS FOR NEW EMPLOYEES
• EDUCATING EMPLOYEES WITH ONE-ON-ONE SIT-DOWNS
• RETIREMENT PLANNING FOR INDIVIDUALS ENTERING THE NEXT STAGE OF LIFE
• QUARTERLY NEWSLETTERS THAT GIVE QUICK 401(k) TIDBITS

*Please consult a tax accountant for full details.

Nobody wants to be working for the rest of their lives. Individual Retirement Accounts and Roth Individual Retirement Accounts are vehicles that have been established to help people to save for retirement. IRAs and Roth IRAs have annual contributions limits and can be very beneficial to invest into from a tax standpoint* every year. Whether your employer offers a retirement account or not, setting up an IRA or Roth IRA may be the best way for you to create a more comfortable future and retirement.

*Please consult a tax accountant for full details.

Managed accounts are one of the largest growing types of accounts in the industry. Accounts that meet certain minimum account values can be placed in a managed account where either the rep or a 3rd party manages the funds to fit the suitability of the client while trying to get the most return that the client is comfortable with. Periodic fees are associated with these accounts. For more information, please contact Levi to look into the many managed opportunities that Levi and LPL offer.

Check the background of investment professionals associated with this site on FINRA’s Broker Check

Broker Check

Investment Options:

• Stocks & Bonds
• Mutual Funds
• Annuities
• Structured Products
• College Funding (529 plans)
• Retirement Planning
• 401(k) & Qualified Plans
• CDs*

*CDs are the only product listed that are insured by the FDIC.

Disclosures

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).  Insurance products are offered through LPL or its licensed affiliates.  Community State Bank and Community Financial Services are not registered as a broker-dealer or investment advisor.  Registered representatives of LPL offer products and services using Community Financial Services, and may also be employees of Community State Bank.  These products and services are being offered through LPL or its affiliates, which are separate mentities from, and not affiliates of, Community State Bank or Community Financial Services.  Securities and insurance offered through LPL or its affiliates are:

The LPL Financial Registered Representatives Associated with this site may only discuss and/or transact securities business with residents of the following states: NM, IA, IL, MO, NE, FL, MT, SD, CA, CO, KY, AZ, OH, MN      

Community State Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html or scan the QR code below for more detailed information.

Community State Bank Investment products only offered at FINRA approved branches (below).

        1812 Hwy Blvd
        Spencer, IA 51301 

        208 Main St
        Albert City, IA 50510

Brokerage accounts clear through LPL Financial. They allow you to buy many different types of products (e.g. stocks, bonds, mutual funds) and keep them all organized in one account. Brokerage accounts have very small minimum value and they can be set up for the following types of accounts:

• Individual
• Joint
• Individual TOD
• Joint TOD
• IRA
• Roth IRA
• SEP IRA
• Simple IRA
• Beneficiary IRA
• Guardian IRA
• Guardian Roth IRA
• Education Savings
• Trust
• Estate
• Corporation
• Non-Corporate
• Partnership