Peoples Bank

Retirement planning involves an analysis of the choices you have available today that will impact your retirement future. You need to determine, as close as possible, your retirement income needs, and then look at the retirement saving option(s) available that will help you fulfill those needs.

There are two important steps needed to determine your retirement income needs:

Evaluate your current circumstances – Income, Expenses, Assets, Liabilities, etc.
Consider your future circumstances – Social Security, Pensions, Retirement Plans

Retirement Savings Options Include:

IRA’s (Individual Retirement Accounts) – Traditional and Roth
Employer Sponsored Retirement Plans – 401(k), Simple, SEP
Profit Sharing and Money Purchase Plans – totally funded by employer
Non-Qualified Deferred Compensation Plans – deferral of income until retirement or a specific time
Stock Option Plans – Ability to purchase company stock in the future at today’s price.

Developing a personal investment plan can help you with your retirement goals. At Peoples Financial Advisors we can help you determine your retirement goals and income needs. We are available to assist you in choosing the retirement savings options that meet your retirement income needs and keep you on track to reach your goals. If you are an employer, we can help you design a retirement plan that will benefit you and your employees, offering tax savings and employee retention.

If you believe you could benefit from Retirement Planning or would like to learn more, click on the link below.

Peoples Financial Advisors is a division of Peoples Bank, National Association. Peoples Bank and it's affiliates are independent of RJFS.

OSJ:138 Putnam Street, Marietta, Ohio 45750 * Phone (877) 376-7576 * Fax (740) 376-7112 * Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, www.finra.org and www.sipc.org, an independent broker/dealer * Insurance products offered through Peoples Insurance Agency, Inc. * NOT FDIC Insured * NOT GUARANTEED by Peoples Bank * Subject to risk and may lose value.

Trust, Estate and Investment Management Services offered through Peoples Asset Management.

Each account custodied by Raymond James & Associates is protected for the net equity of the client's securities and cash positions.

Raymond James & Associates is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $100,000 for claims for cash). An explanatory brochure is available upon request or at sipc.org or by calling (202) 371-8300.

Raymond James has purchased excess SIPC coverage through various syndicates of Lloyd's, a London-based firm. Excess SIPC is fully protected by the Lloyd's trust funds and Lloyd's Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub-limit of $1.9 million per customer for cash above basic SIPC for the wrongful abstraction of customer funds.

Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.

Raymond James' Financial Advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Are Not FDIC Insured

May Lose Value

Are Not Bank Guaranteed

Not a
Deposit