Retirement Planning

Retirement Planning Made Simple—For a Life Well Lived

Retirement may seem straightforward—you stop working for a living and start living your dreams. But achieving a well-planned and well-managed retirement requires more than simplicity; it demands strategy, foresight, and expert guidance.

At 1^st National Bank, we help you navigate both pre-retirement savings and retirement income planning so you can enjoy financial security and peace of mind throughout your golden years.

Pre-Retirement: Building Your Nest Egg

Your retirement savings strategy should be as unique as your goals. We’ll work with you to:

• Set Realistic Savings Targets: Determine how much you need to save to retire on your terms.
• Adapt to Economic Changes: Account for shifting tax laws, market fluctuations, and inflation.
• Plan for Rising Costs: Prepare for the increasing costs of healthcare, living expenses, and more.

Our customized approach ensures your savings plan aligns with your lifestyle and aspirations, providing the foundation for a secure retirement.

Living in Retirement: Enjoying What You’ve Built

Retirement is your time to relax and thrive, but careful management of your assets remains essential. We help you create an income plan that:

• Balances Income Sources: Strategically integrates withdrawals, Social Security, pensions, and investments.
• Minimizes Taxes: Considers tax implications to maximize your income.
• Accounts for Rising Costs: Plans for healthcare, everyday expenses, and inflation.
• Preserves Assets: Strives to protect your savings for the future while supporting your current lifestyle.

Your Retirement. Your Way.

Whether you’re years away or already enjoying retirement, we’re here to help you live comfortably and confidently. With our expert guidance, you can focus on enjoying this exciting phase of life while leaving the complexities to us.

Contact Us Today to start planning the retirement you deserve.

Investments are not FDIC insured. May Lose Value – No Bank Guarantee. Member FINRA / SIPC

Insurance products issued by Principal National Life Insurance Company (except in NY), Principal Life Insurance Company^®, and the companies available through the Preferred Product Network, Inc. Securities and advisory products offered through Principal Securities, Inc., Member SIPC. Referenced companies are members of the Principal Financial Group^®, Des Moines, IA 50392.  1^st National Wealth Management is not an affiliate of any company of the Principal Financial Group^®.

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Principal Securities Form CRS, Relationship Summary

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP® and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.