Wealth Management Products and Services

Wealth Management Products and Services

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Summary

THE IMPORTANCE OF INVESTING

You've worked hard for what you have and deserve to have the future you want. Your financial future depends in large on decisions you make today. When you take the time to build a financial plan you are taking the first step in achieving your goals and we will be there with you every step of the way.


WHY INVEST?

Developing an investment plan requires you to quantify your goals and could greatly improve your chances of achieving the retirement you have dreamed of. It could help maximize the chances of meeting the objectives in your financial plan that best aligns with your financial goals.


Regardless of the state of your current financial picture, it's always a good idea review your financial plan and understand how it relates to your financial goals and be aware of the options you can take that can help your financial well-being.


WHY HAVE A FINANCIAL ADVISOR?

Having the support and knowledge of a Financial Advisor may improve your chances of having a more secure future for you and your loved ones. We can help guide you through the process and navigate you through the steps you should be taking that best align you to reach your financial goals. You may even discover new opportunities that you didn't think of or better understand the ones you do have and how you can improve them to better fit your specific needs.



Call Marshall Today and Schedule Your Complimentary Consultation



MARSHALL JOHNSON - Vice President, Investments


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Call Marshall Today and Schedule Your Complimentary Consultation


Phone: 563.928.6268

Email: marshall.johnson@invpro.com



We invite you to visit with Marshall Johnson in any of our Community Savings Bank offices at no cost to you. Marshall will answer important questions that can affect your long-term financial security. Individual services or comprehensive planning is available based on your preferences and comfort level.*





*In most cases the initial consultation is complimentary. Fees for your financial plan are determined by the level of service requested, your needs and the experience and credentials of the Financial Planner.


About our Broker/Dealer Partner

Investment Professionals, Inc.

Founded in 1992, Investment Professionals, Inc. (IPI) is a full-service broker/dealer providing a broad range of investment products and services to individual and business clients. Our 20 year record of success is grounded in our ability to build the strong foundation of trust that drives mutually successful relationships. As a client, you will have access to IPI's full team of experts, including financial and retirement planning, insurance and annuities, stocks, fixed income, estate planning, and trust services. NO BANK GUARANTEE | NOT A DEPOSIT | NOT FDIC INSURED |NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | MAY LOSE VALUE. All Securities and Advisory Services offered through Investment Professionals, Inc. (IPI), a Registered Broker/Dealer & Registered Investment Advisor and member FINRA & SIPC. The investment services offered by IPI under the name Community Wealth Management are in no way affiliated with or offered by Community Savings Bank, nor is Community Savings Bank a registered broker/dealer. Customers working with Community Wealth Management will be dealing solely through IPI with respect to their investment, brokerage and securities transactions. IPI does not offer or provide legal or tax advice. Please consult your attorney and/or tax advisor for such services. The products offered by Investment Professionals, Inc. are not insured by the FDIC, the NCUA or any other agency of the government, are not deposits or other obligations for the bank or guaranteed by the bank and involve investment risks, including possible loss of principal amount invested.

About Our Financial Advisor

ABOUT OUR FINANICAL ADVISOR


MARSHALL JOHNSON - Vice President, Investments


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Call Marshall Today and Schedule Your Complimentary Consultation


Phone: 563.928.6268

Email: marshall.johnson@invpro.com


BIO

Marshall Johnson draws on 21 years of professional experience in financial and investment planning in order to help individuals and business owners reach their financial goals. Marshall takes a multi-strategy, risk-managed approach to portfolio management. He seeks to bring investment, retirement, insurance, estate, tax, and education planning into one efficient financial plan designed to minimize gaps that can leave clients under-prepared and under-protected.


As an Investment Adviser Representative with Investment Professionals, Inc., Marshall can help you define your long-term investment objectives and build a personalized investment portfolio designed to achieve those goals. He recognizes the importance of getting to know you - your financial needs, your financial goals and your lifestyle. The focus is to create unbiased, customized investment strategies to help build, protect and transfer your accumulated wealth. Marshall is committed to helping individuals and families meet and exceed their life goals.


Our dynamic wealth management approach is customized to meet your unique financial needs and objectives. We follow a comprehensive process designed to determine the optimal approach to managing your assets through utilizing risk adjusted asset allocation strategies.


Ongoing portfolio analysis and review is the cornerstone to successful long term investment planning. Regularly scheduled portfolio review meetings allow for the necessary ongoing fine tuning of your asset allocation. Marshall is committed to providing a level of professionalism and expertise beyond your expectations


Personally, Marshall and his wife Julie reside in the area with their three children. He earned a B.A. in Business Administration with a major in Finance from Wartburg College in Waverly, Iowa. Marshall holds FINRA Series 7, 24, 31, 63, and 65 licenses and is licensed to provide life insurance and annuities. With over 20 years of providing professional investment consulting, Marshall is able to deliver the expertise you expect and the integrity you deserve.


"My primary focus is on helping clients achieve their financial goals. I encourage active client involvement in plan development and focus on managing risk adjusted expectations rather than chasing performance. You can count on me to offer practical solutions, explain complex issues, and to become your valued and trusted wealth management partner."

-- Marshall E. Johnson

Products and Services

• Retirement Planning

• Legacy Planning

• Insurance

• Education Planning

• Financial Planning

• Private Asset Management

• Equities

• Fixed Income Securities

• Fixed & Variable Annuities

• Mutual Funds

• Structured Products

• Tax Advantaged Investments

• Business Investment Services

• Employee Benefits Planning

Financial Planning

Our objective is to ensure that your portfolio is diversified and aligned with personal circumstances and long-term goals in an effort to achieve the best possible outcome in any market scenario. We will take the time to understand your goals and work to help you enjoy life today while planning for tomorrow – dreams included.


LIFE STAGES FINANCIAL PLANNING

The investment strategies and tactics for achieving short-term goals are very different from those used to accomplish long-term ones. Managing for tax efficiency plays a key role every step of the way.


ACCUMULATE

In the accumulation phase you are working hard to build assets, support the household, save for college and, hopefully, set aside money for retirement. When it comes to investing in this phase, every dollar counts because dollars invested early will work hardest for you later.


SPEND

Phase two is retirement. During this phase, you're likely living on a reduced income but now have the time to do things you enjoy. If you've planned adequately and factored in the potential for higher medical expenses along with your monthly bills, you should have enough extra money for a good quality of life.


RELEASE

The release phase begins upon your death when your heirs and charitable organizations can benefit from your generosity. Tax-efficient estate planning gives you the satisfaction of offering a leg-up to your children and grandchildren or a little bit of hope to the less fortunate.


HOW DO YOU GET THERE?

Below we outline the steps in the financial planning process, which is modeled on the recommendations of the Certified Financial Planner Board of Standards, Inc.


ESTABLISH OBJECTIVES

• Discuss goals, means, dreams, time frame, risk tolerance & benchmarks


GATHER INFORMATION

• Documentation

• Work through objectives & build planning consensus


ANALYZE + EVALUATE

• Analyze assets, liabilities, cash flows, insurance & tax strategies

• Discuss likely scenarios & degree of comfort to achieve goals


REVIEW RECOMMENDATIONS

• Discuss & agree on approach

• Finalize start plan


IMPLEMENT PLAN

• Allocate existing holdings to reflect investor profile

• Buy and/or sell financial instruments for allocation plan

• Acquire and/or retire insurance policies as per plan

• Set up automatic savings and/or investment plans


REVIEW, MONITOR, + ADJUST

• Monitor performance regularly

• Review goals & objectives

• Review new opportunities as they arise

• Update plan as changes occur in life circumstances, goals & means