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Retirement Security

There are a wide variety of vehicles to assist the employer in providing tax favored retirement security for employees. Through a number of strategic alliances, Community Bank of San Joaquin is able to assist in the creation and maintenance of these plans.

Plans can be simple or quite complex.  Depending upon your objectives, the plan can be specifically designed to meet your needs. This area of employee benefits is ever changing so it is to your advantage to ally yourself with an organization that continuously monitors events so that you will not miss an opportunity or new requirement.

Employee Benefit Plans that are currently popular include:

  • 401 (k) Plans
  • Defined Benefit Pension Plans
  • Money Purchase Pension Plans
  • Profit Sharing Retirement Plans
  • New comparability/rate Group Retirement Plans
  • Age-weighted Retirement Plans

Community Bank of San Joaquin is available to assist in the design, implementation, accounting and investment management of these plans. 

Trustee/Agent With Investment Responsibilities
We can also assume the Trusteeship of your Plan or simply act as your agent for accounting and/or investment management.

Under these arrangements you assign Community Bank of San Joaquin the full responsibility to manage and account for your retirement plan investment portfolio. 

Under this arrangement you can also retain final decision making as to specific investment changes.

Obviously no investment plan can ensure profit or protect against loss.

Trustee/Agent Without Investment Management Responsibilities
Community Bank of San Joaquin can also assume the position of custodial trustee. Under this arrangement you retain the investment responsibilities but we do the "detail" work on your behalf.

We can account for multiple investment managers, providing you with performance measurement reports that allow you to independently evaluate the performance of  your various managers. Our accounting system allows for us to provide statements for the individual manager's accounts as well as a combined statement including all elements of the plan.

For more information about how we can assist you in providing your employees with a comprehensive, professionally managed and economical retirement program, 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) 956-7000

 Privacy Policy

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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11-18-2009