Estate and Financial Planning in IOWA

When it comes to estate and financial planning, sometimes the hardest part is knowing where to begin. At Leighton State Bank, we’re here to help. Simply call our Investment Services at 641-628-1021 to start a conversation about the questions that matter most to you—your future, your family’s security, and your financial well-being. Our team will guide you every step of the way.

Estate and financial planning can be complex, but you don’t have to navigate it alone. It’s important to work with a team of professionals who can help you make the best decisions for your unique situation. Leighton State Bank is ready to be part of that team, collaborating closely with your trusted legal, tax, and financial advisors to ensure your plan is comprehensive and well-executed.

At Leighton State Bank, we recognize that no two clients are alike. That’s why we take the time to listen to your needs and goals before developing a personalized financial plan that meets your specific objectives. Whether you’re planning for retirement, securing your family’s future, or making charitable donations, we’ll tailor your plan to fit your priorities.

A well-crafted estate plan helps ensure that your assets are distributed according to your wishes and minimizes potential tax burdens. Our estate planners will guide you through the various options, including wills, trusts, powers of attorney, life insurance, and gifts. We will work closely with your legal and tax advisors to ensure your estate plan is set up for maximum efficiency and protection.

Key estate planning tools include:

• Wills and Trusts: These legal documents allow you to transfer wealth, protect assets, and maintain your charitable goals. We’ll help you understand how to structure these documents to minimize taxes and provide ongoing management for your affairs.
• Powers of Attorney: Designate someone to make important financial or medical decisions on your behalf if you are unable to do so.

Life Insurance: Protect your family’s financial future by ensuring they are provided for in the event of your passing.

When it’s time to settle an estate, Leighton State Bank can act as your executor or co-executor, providing professional estate administration services. Our Trust professionals carry out your wishes with integrity and care, ensuring that all financial and legal aspects of the estate are managed efficiently. We also offer support and guidance for your family during an emotional time, relieving some of the burdens of estate settlement.

Navigating today’s fast-paced markets requires expert knowledge and strategic planning. At Leighton State Bank, we work with individuals, businesses, and non-profits to develop investment portfolios that align with your goals and objectives. Our investment philosophy focuses on long-term growth, reduced volatility, and consistent returns.

We offer a range of investment services, including:

• Equity Investments: We focus on large-cap domestic stocks with exposure to small-cap, mid-cap, and international equities to enhance diversification.
• Fixed Income Investments: These provide stability, predictable returns, and higher income flows than equities.

Agency Accounts: For clients who prefer more flexibility, we offer custodial and investment management accounts, allowing you to manage assets based on your specific guidelines.

When you choose Leighton State Bank as your trustee, we prioritize protecting your assets. Our team provides expert trust management for revocable, irrevocable, charitable, and special needs trusts, ensuring your wishes are fulfilled.

Our trust services include:

• Revocable & Irrevocable Trusts: These trusts allow you to manage assets during your lifetime and protect them for future generations. Irrevocable trusts cannot be changed after they are signed, while revocable trusts can be amended during your lifetime.
• Charitable Remainder Trusts: These trusts provide income to the donor while leaving the remaining assets to a charity of your choice.
• Special Needs Trusts: We help ensure that your loved one with special needs can benefit from a trust without jeopardizing their eligibility for public assistance programs.

Conservatorship: If necessary, we can help manage the financial affairs of individuals who require court-appointed oversight.

Since 1911, Leighton State Bank has been dedicated to serving our community and helping individuals, families, and businesses achieve their financial goals. As a true community bank, we take the time to understand your specific needs and tailor our services to help you build and protect your financial future. Our experienced team is ready to work closely with you and your advisors to implement a plan that provides peace of mind for you and your family for years to come.

Contact us today to begin your journey toward a secure financial future. We look forward to getting to know you and helping you grow financially strong with Leighton State Bank.