• Estate Planning and/or Estate Settlement - Provides for carrying out the exact wishes of each customer as outlined in a will; minimizing estate and income tax burdens; professional asset administration. Heirs are provided for as planned, and they are not burdened with the numerous details of estate administration. Complete accounting and full reporting to beneficiaries provided.
• Personal Trusts - Enable a customer to have assets professionally managed and provide for protection of assets from misappropriation. Trustee can act on behalf of a customer to pay bills and file taxes. Can be made part of estate plan. Provides continuity in the event of incapacity of customer.
• Charitable Trusts - Professional management of assets for the benefit of a charitable entity. May be created by provisions under a person's will for a specific charitable purpose. May also be established by individual charity to be the centralized account of various donor's gifts in order to efficiently invest funds for maximum benefit to the charity.
• Guardianships/Power Of Attorneys - Professional management / administration of assets for those who are no longer able/care to manage their assets, collect their income and pay their bills. Relieves the burden from one individual having to completely manage another's life.
• Investment Management Accounts - A thorough analysis of the clients investment objectives, time horizon and risk tolerance will determine the investment plan utilizing a mix of equity and fixed income vehicles selected to meet the client's goals.
• Agent/Custodian - All record-keeping and administrative activity is handled by the agent/custodian. Customer directs investment decisions and retains control of portfolio.
• Retirement Accounts - IRA, Roth IRA, Education IRA, Simple IRA, Profit Sharing and 401(k) Plan and other retirement vehicles provide retirement planning utilizing trust department's professional investment abilities, or may be self-directed by client. Simplified Employee Pension Plans are also provided. (Self-employed, doctors, attorneys, farmers, etc.) Employee Benefit Trusts and Agencies are for those companies seeking pension plans, profit-sharing plans and 401(k) plans for their employees. Employee record keeping, detailed reporting and professional asset management are provided.

Financial & Retirement Services
A wide range of programs are available covering planned income at retirement, future financial security, federal and state tax savings, employee pension plans for small businesses, 401(k) plans, traditional and Roth IRA's, asset allocation accounts and investment portfolio analysis.

• Investment Portfolio Analysis - An objective review of your current investment holdings relative to your overall investment objectives.
• Asset Allocation Accounts - Establishment of the weighting in an asset allocation account is accomplished by a thorough analysis of the client's investment objectives. The account will be balanced quarterly or annually based on the client's direction and market directions. The investment choices will be made from a selected group of mutual funds and other investments.
• Investment Management Accounts - By carefully defining the client's investment objectives, time horizon and risk tolerance, the Trust Department will determine the investment plan utilizing equity and fixed income vehicles selected to meet the client's goals.
• Individual Retirement Accounts - IRA's provide tax and retirement planning for those individuals seeking additional funds for their golden years, or funds for their children's or grandchildren's education. Customers may direct their own investment choices or may utilize the Trust Department's professional investment management abilities.
• Simplified Employee Pension Plans - Smaller business people (self-employed, doctors, attorneys, etc.) can take advantage of sheltering current income for retirement years through these plans.
• Employee Benefit Trusts and Agencies - Available for those companies seeking pension plans or 401(k) and profit sharing plans for their employees. Employee record keeping, detailed reporting, and professional asset management are provided.

Contact our Trust Department at 717-436-2144

Please note that all of the above are but brief descriptions of the comprehensive services provided by our Trust Department. Please contact our trust representative at (717) 436-2144 ext. 2121, or stop in at our main office for specifics as to how we may be able to serve your trust, estate and financial services needs.

Investments with The First National Bank of Mifflintown's Trust Department may not be investments with The First National Bank of Mifflintown. Depending on the type of investment, your investment may be subject to fluctuations in market value. It is important to note that investments with The First National Bank of Mifflintown's Trust Department may not be FDIC insured, but can be in such investments like certificates of deposits. Certain investments with the trust department are not a deposit, not guaranteed by the bank, and not insured by any federal government agency and can be subject to a loss of principal.