Returning Wealth Management Clients

Sussex Investment Services

Building a sound financial portfolio requires careful consideration of many different issues, including risk tolerance, current and future lifestyle needs, fees and potential penalties. Please be sure to consult with a qualified Financial Representative* at Sussex Bank for additional details about each service.

Investment Services... Setting a course for your financial future

An annuity is an insurance product in which earnings are tax-deferred until you begin withdrawing the money. In some cases, the principal invested in an annuity is tax-deductible (such as an IRA annuity). A fixed annuity provides a set rate of return, backed by an insurance company. For additional information on annuities please contact your Financial Consultant* at Sussex Bank.

A broad selection of programs employers may wish to offer employees as a part of a benefits package. Examples include Simple IRAs and Self-Employed Pension Plans.

If you qualify, an IRA is a retirement savings plan that allows individuals to make tax-deductible contributions each year. Taxes on contributions and earnings are deferred until the money is withdrawn. Withdrawals prior to age 59 1/2 may be subject to an early withdrawal penalty and applicable taxes. For specific tax advice please consult a qualified tax professional.

Unlike a traditional IRA, contributions to a Roth IRA are not tax-deductible. Qualified distributions are tax free if you satisfy the requirements. Certain conditions apply to withdrawals, which if not met, may result in penalties. Please consult a qualified tax professional for specific advise regarding your situation.

This product is increasingly popular with individuals who wish to set money aside for college expenses. It offers a number of advantages and restrictions, which can be explained by your Financial Consultant* at the Sussex Bank office. Investors should consider investment objectives, risks, and charges associated with Section 529 plans prior to investing. Contact your investment representative or carrier for more information about municipal fund securities which is available in the issuer's official statement or plan disclosure document which should be read carefully prior to investing. M... Read More

Term Life Insurance is a policy in which coverage is offered for a specific period of time. At the conclusion of the contract, the policyholder is no longer covered, and holds no equity in the policy. Whole Life Insurance offers protection in which a cash value accrues, allowing the policyholder the flexibility of borrowing against the account if need be. Loans or withdrawals from life insurance may reduce the death benefit or cause the policy to lapse.

Long-Term Care Insurance is guarding against the costs of services necessary to assist someone who experiences reduced physical and/or intellectual functioning. These services may be provided to the individual at home, in the community or at a residential facility.

Typically utilized by individuals who conduct their own financial research and make their own investment decisions. Self directed online brokerage allows the individual to invest in the stock market without being subject to the commissions of a full-service broker.


A self directed online brokerage is intended for knowledgeable investors who acknowledge and understand the risks associated with the investments contained in a self directed account.

A 401(k) is a retirement plan that is available to employees of some private corporations. The employee chooses an amount to be deducted from his/her paycheck to be placed into a managed investment account. The employee directs the investment selection on the basis of risk tolerance. Employers may offer to match up to 50% of the employee contribution. Contributions reduce the employee's taxable income, with taxes deferred until the money is withdrawn.

A 403(b) is available to employees of some non-profit organizations. The employee chooses an amount to be deducted from his/her paycheck to be placed into a managed investment account. The employee directs the investment selection on the basis of risk tolerance. Employers may offer to match up to 50% of the employee contribution. Contributions reduce the employee's taxable income, with taxes deferred until the money is withdrawn.

Whatever your financial goals might be, we want to help you get there. Contact us today for a no obligation consultation.

BROKER CHECK http://brokercheck.finra.org

Wealth Management Services Are

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 Sussex Investment Services are in no way affiliated with or offered by Sussex Bank, nor is Sussex Bank a registered broker/dealer. Customers working with Sussex Investment Services 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. 

BROKER CHECK | http://brokercheck.finra.org

 https://www.netxinvestor.com/web/netxinvestor/login