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Individual Retirement Accounts
Since they were created in 1974, Individual Retirement Accounts (IRA) have allowed millions of Americans to accumulate billions of dollars for their retirement.
There are currently a wide variety of IRA arrangements that respond to specialized needs. Community Bank offers Trust and Investment Services as an appropriate alternative for those clients who have a minimum of $250,000 in IRA assets held in the form of:
- Rollover Individual Retirement Accounts
- Contributory Individual Retirement Accounts
- Roth Individual Retirement Accounts
- Properly combined Rollover/Contributory Individual Retirement Accounts
We provide investment services to those clients who seek our assistance in the management of their IRA's as well as people who wish to have a more direct involvement in directing their retirement funds.
When assigned the responsibility for managing your portfolio we work with you to establish an investment program suited to your needs and risk tolerance. We then call upon our investment resources to manage your assets using up-to-date information and technology.
In accounts where Community Bank of San Joaquin has investment discretion, no part of our compensation is based upon transaction-generated charges. Our motivation is to provide you with the best return consistent with your investment risk comfort level.
Obviously no investment plan can ensure profit or protect against loss.
If You Wish To "Self-Direct" Your IRA:
Some clients wish to make investment decisions on their own, but still wish to have the benefits of an independent IRA custodian.
When you select us to be custodian of your Self-directed IRA you can be sure that we will provide you with the exceptional level of service that you have come to expect from Community Bank of San Joaquin.
Because we are independent, we are able to shop the markets to achieve very favorable executions of your buy and sell decisions. Equities that we purchase on your behalf are done on the basis of "cents per share". Fixed income purchases can be made on the basis of our doing the work of obtaining several different offerings, allowing us to settle on the best return for your account.
With the Self-directed IRA we will still provide you with consultation within the scope of our responsibilities, complete and accurate collection of income due your account, interim investment of cash received, complete and timely statement of your account and timely tax reporting.
For more information about how we can assist you in the maintenance of your Individual Retirement Accounts, please contact us by telephone, e-mail, or in person.
COMMUNITY BANK OF SAN JOAQUIN
Trust and Investment Services
22 West Yokuts Avenue
Stockton, CA 95207
(209) 955-8709
Products offered by Community Bank of San Joaquin Trust and Investment Services are:
- Not insured by the FDIC;
- Not deposits or other obligations of, or guaranteed by Community Bank of San Joaquin;
- Are subject to investment risk, including possible loss of the principal amount invested.
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05-09-2005