Planning and Managing Your Assets

Planning for your Future

Farmers Trust can protect your assets, provide financial support for your family beyond your life and make sure your business affairs are in order.

Our Trust Administrative and Investment officers will customize an account to help you attain your financial goals.

Managing your account

Engaging the services of a professional to manage your assets is a wise decision. Whether you are seeking investment management, personalized trust services, problem-free estate settlement or employee benefits administration, Farmers Trust Company is able to assist.

From the planning stages, to daily management and account follow-up, we pride ourselves on open communication and frequent client contact, and are readily available for consultation.

Investment Management Principles

Farmers Trust Company believes that a prudent investment strategy must focus on the long term, and can best be achieved through diversification and asset allocation.

  • Buy and sell securities,
    adhering to strict guidelines
    and sound research
  • Keep complete records and
    provide timely statements
  • Hold all securities for safekeeping
  • Collect and distribute income
    as instructed
  • Consult with Beneficiaries

Estate Settlement

Choosing an executor for your estate is one of the most important decisions you will make. As your executor, we will:

  • Arrange for probate
  • Collect, inventory, value and protect your assets
  • Manage your assets during the estate administration period
  • Keep accurate records
  • Pay estate taxes, expenses and debts
  • Prepare and file tax returns
  • Distribute estate assets to beneficiaries
  • Follow the instructions in your will

Trust Administration

The effectiveness of a trust relates directly to the trustee’s administrative expertise and investment performance. Our experience in managing trust is both long and varied. Our duties include, but not limited to:

  • Investing trust assets
  • Distributing income and/or principal
  • Making tax decisions for the trust and filing appropriate tax returns
  • Keeping records of all transactions
  • Preparing statements of accounts
  • Assisting beneficiaries with advice on day-to-day financial matters
  • Providing an explanation of the trust's operations

Employee Benefits

Farmers Trust Company offers flexible, comprehensive investment management and record keeping for all types of retirement plans including 401(k), 403(b), Keogh and pension/profit sharing. Among the key services we provide are:

  • Trustee/custodial services
  • Plan design and implementation
  • Professional investment management or self-directed service
  • IRS sponsored prototype plan documents
  • Compliance and required annual government testing on all plans
  • Full service administrative support
  • Reporting and record keeping services
  • Comprehensive participant and educational meetings, including communication materials
  • Valuation of plan assets and issuance of participant statements
  • IRS annual reporting/5500/1099 preparation
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