Personal Investing
Brokerage Services
Simple investing for life and retirement powered by solid advice and the latest in financial technology.
Wealth Management
Tailored, comprehensive banking, credit, investment and trust solutions addressing all your financial needs.
Saving For the Future
First PREMIER Bank Savings and CDs offer an FDIC insured environment to grow your nest egg.
- A simple, easy and convenient way to save
- Keep funds safe and within reach
- Savings options available for all life stages, from college to retirement
- Competitive interest rates and terms
- Personal bankers available to help find the best plan for you
Which IRA Is Best For You?
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Traditional IRAMake contributions with money that you may be able to deduct on your tax return. Earnings would grow tax-deferred until retirement withdrawal. |
Roth IRAMake contributions with money on which you've already paid taxes. Funds can potentially grow tax-free until retirement when certain conditions apply. |
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TAX BENEFITS | Tax-deferred growth with tax-deductible contributions. | Tax-free growth with tax-free qualified withdrawals. |
CONTRIBUTION RESTRICTIONS | Contribute until you're 70½. | Contribute at any age |
INCOME REQUIREMENTS | Income does not determine how much you can contribute | Income impacts how much you may contribute |
WITHDRAWAL TAXES | Pay taxes when you withdraw pre-tax contributions and/or when you withdraw any earnings. | No taxes when you withdraw your contributions or earnings, as long as the five-year aging requirement has been met. |
EARLY WITHDRAWAL PENALTIES | Making withdrawals before age 59½ may result in a 10% penalty. | Make withdrawals before you're 59½ and you may pay taxes on your earnings plus a 10% additional tax. |
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Make contributions with money that you may be able to deduct on your tax return. Earnings would grow tax-deferred until retirement withdrawal. |
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Make contributions with money on which you've already paid taxes. Funds can potentially grow tax-free until retirement when certain conditions apply. |
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Investing Made Easy
Retirement PlanningBuild your retirement nest egg with a 401(k) plan, traditional and Roth IRAs, IRA Savings or CD.
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Managing Your Wealth
Our Wealth Management team excels in financial planning, investment and portfolio management.
- Customized, banking, credit and investing solutions
- Concierge banking for higher net worth individuals
- Comprehensive financial planning
- Managed investing with a dedicated wealth professional
- Preserve your legacy with estate and succession planning
Planning for Retirement
Are you planning for retirement? Our interactive module will help you plan today for the life you want in retirement.
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Managed Investing
Investment and portfolio management support for busy, hard-working individuals and families.
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Disclosure
{1} Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are:
- Not FDIC/NCUSIF insured
- May lose value
- Not financial institution guaranteed
- Not a deposit
- Not insured by any federal government agency.
Check the background of our investment professionals on FINRA’s BrokerCheck
Click here to view Cetera Investment Services Privacy Policy, other Important Information and Business Continuity Plan.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site or visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.