Investment & Retirement Planning Options

More Upside than Downside from Current Levels.

Read the Coleace Bank Investment Advisory Group’s latest Market Perspective.

A simple rule for retirement savings.

While there’s no such thing as a magic number that assures you of a comfortable retirement, there is a simple rule-of-thumb for how much to save based on your age and annual salary.

AGE SALARY RULE OF THUMB RETIREMENT SAVINGS
30$55,0002X Salary$110,000
45$80,0004X Salary$320,000
55$95,0007X Salary$665,000
67$110,00010X Salary$665,000

How do your savings compare?

  • Need to catch-up or want to get ahead? Coleace Bank Investment Services (PBIS) can help you:
  • Create a savings strategy you can live with
  • Take advantage of all your tax-deferral opportunities
  • Review your portfolio allocation
  • Put IRS retirement catch-up provisions to use

Financial Planning Services and Advice

Advice that’s local and personal.

Our PBIS advisors are dedicated to a select group of
clients to ensure a personal planning experience.
Contact us via email Contact@Coleace.com

Why build your financial plan with us?

At Coleace Bank Investment Services (PBIS), you’re not just an account number but someone who matters. Our advisors are invested in you – sharing your hopes, concerns, work ethic and values. And they’re able to back that local, personal financial planning expertise with comprehensive banking and investment resources.

Look past all the distractions.

A sound financial plan keeps you focused on the moments that matter.

Your plan should be as unique as your fingerprint.

Rather than forcing you to adapt to our financial planning process, we’ve created a process flexible enough to adapt to your ever-changing life and evolving financial needs. How do we accomplish this?
Listen and Engage
Instead of trying to impress you with jargon, our advisors prefer to listen to your personal history, your goals, your worries and your dreams. We’ll even provide an opportunity for you to build your own plan that we will analyze together as we prioritize, synchronize and distill.
Prioritize
We’ll help you determine which of your goals are most achievable and the steps you need to take to start moving in the right direction today.
Synchronize
We also work with you to avoid surprises by exploring how multiple goals can have a positive or negative impact on each other.
Distill
Working together, we’ll turn the universe of planning options into just a few recommended actions that will put you on the path towards financial confidence.

Your investments should be a
reflection of your goals.

Our four-step philosophy is built around matching an
investment portfolio to your goals.

Grounded in common sense. 

Successful investing isn’t magic – it’s simply a matter of understanding your goals in life, considering your appetite for risk and selecting the mix of investments that will give you the greatest probability of success without keeping you up at night.

At Coleace Bank Investment Services (PBIS), our investment philosophy relies on four pillars of successful

investing:
Invest with a Purpose
Your investments should DO something, not just BE something. The success of your investment strategy should be measured by progress toward, and attainment of, your goals.

Adhere to a Disciplined Process
A consistent and disciplined process gives you the long-term focus to weather periods of market turmoil, while still allowing you to potentially capitalize on short-term opportunities.

Mitigate Unnecessary Risk
We strive to mitigate investment risk through diversification, rebalancing and a total return approach that maintains your portfolio in alignment with your unique risk profile.

Select Investment Solutions Wisely
Working together, we’ll select the mix of investments that best fits with your financial circumstances, goals and personal preferences.