Wilber National Bank

Trust & Investments

Wilber National Bank�s
Trust & Investment Center

Retired or still actively pursuing a career?
Work for yourself or for someone else?
Married or single?
Have a portfolio already or want to build one?

Chances are that our Trust & Investment Center has a product or service that can help you build your financial security and independence, manage your present portfolio or help you plan for the future transfer of wealth to younger generations. For questions about the information below, call us at 607-433-4122 or 1-800-374-7980.

Here are some of the important ways we can help:
Trusts	Estate Settlement
Investment Management	Estate Planning
Mutual Fund Advisory Service	Investment Services

Trusts

Trusts are not just for the ultra-wealthy. During your lifetime, with Wilber as your trustee, a trust can serve as an excellent vehicle for the management of your assets. A living trust can provide you with the peace of mind that comes from knowing that even in the event of catastrophic illness or other disability, your bills will be paid, and your general financial affairs carried on through the supervision of our personal trust experts. A living trust is a flexible estate planning instrument that can be used to minimize estate taxes and maximize the management of assets that pass to younger generations. A trust is an effective tool for planning gifts to charity that allow a present or future benefit to you or your family. Trusts created under your Will can achieve many of the same benefits for your surviving spouse or other younger beneficiaries.

Investment Management
Many people prefer to ease into a long-term relationship with Wilber through an Investment Management account or Custodian account relationship. Under either service, our personal trust and investment experts provide the same professional, personal attention to the management and safekeeping of your assets as is given to our trust relationships.

As your investment manager, we will safekeep your securities, collect and disburse interest and dividend income pursuant to your instructions, and recommend stock and bond strategies as may be appropriate to your objectives and risk tolerances. Periodic transaction statements provide current market valuations of your portfolio and itemize daily activity in your account.

A Custodian account offers the same asset safekeeping and income collection/disbursement activities of an Investment Management account, however you direct the investment strategies and trading activity of the portfolio.

Mutual Fund Advisory Service
Are you confused by the myriad of claims of top performance proffered by the thousands of mutual funds and fund companies? Wilber�s Mutual Fund Advisory Service may help you cut through confusion and take advantage of a diversified portfolio of top performing, no-load mutual funds designed specifically to achieve your financial objectives. Providing all of the services of our Investment Management account, the Mutual Fund Advisory Service creates a portfolio of funds that will work to maximize your investment return while balancing risk through asset allocation techniques. Our management fees are well-below industry averages for highly personal and professional service.

Estate Settlement

The job of the Executor or Personal Representative you name under your Will generally requires someone with acute accounting skills and knowledge of the most current estate and income tax rules and regulations; someone with the investment expertise to manage a portfolio of stocks, bonds, mutual finds and any other investments that you�ve accumulated during your lifetime; someone with the skills and knowledge necessary to understand the various rules regulating SEPs, IRA Rollovers, 401Ks, defined benefit or defined contribution plans, deferred compensation; someone with the ability to ensure the family business continues to operate; someone with the experience and maturity to listen while your family grieves, but maintaining the neutrality of a referee to ensure your wishes are accomplished. This is an enormous responsibility to burden a family member with. Our estate settlement professionals have more than 75 years experience available to you. And, since New York State defines the rate of payment by statute, we receive no more for this service than the family member you might now be considering.

Estate Planning
Is your last Will dated prior to 2000? Has your family grown from the birth of a child or grandchild since your Will was written? Have you retired? Has a family member passed away? Have you moved recently or are you contemplating a move in the near future? If your answers are yes to any of these questions, it is possible that your current estate plan is outdated and needs to be reviewed. The estate planning experts in our Trust & Investment Center can help you determine whether your current plan is adequate in serving your family�s changing size and status and ensuring that your plans maximize tax saving opportunities.

Investment Services
Are you ready to start buying stock or needing to sell stock? Would you like to know more about mutual funds or how an annuity might provide the best current interest and future cash flow? Our investment professionals can answer your questions and help you transact the purchase or sale of an investment without having to endure the high-pressure sales of a broker � and all through the comfort of the bank you�re used to doing business with!

Investments held in accounts may not be FDIC insured, may not be obligations of Wilber National Bank and may be subject to investment risks, including loss of principal.