Investment services

Investing can be hard. Staying invested when markets are volatile is harder. Our licensed advisors can help choose the investments that are right for you and give you the guidance you need to weather the markets.

Talk to a Licensed Advisor Today

Part one is all about getting to know you. We want to spend the time learning what makes you, you!

Part two is learning about your income, expenses, savings, and goals. This is where we start to get a complete understanding of your personal needs.

Part three is the unveiling of your individualized plan. We take all the information you've provided and make unique investment recommendations that are tailored to your goals.

A Dedicated Financial Advisor

When you establish an account with ISB Trust and Wealth Management, you will get a dedicated advisor who knows you and your goals. Our advisors maintain small, dedicated books of business, allowing them to give each client the attention they deserve.

Comprehensive financial planning

Whether you need advice on which stocks fit best in your portfolio, what global news requires your attention, or how to best invest your inheritance, we are here to help!

Investment management

Investing is not a one and done process. We ensure that your investments continue to match your goals and risk tolerance and rebalance often, ensuring you don't take on too much risk. This ongoing process keeps your portfolio aligned with your objectives, allowing for increased stability through the years.

Tax-conscious investing

No one wants to pay more taxes than they must. We work to ensure that your investments don't become a liability come April 15th.

You Choose Your Investment Approach

Hands-On

You decide what is in your portfolio and we provide our expert advice on those choices.

Partnership

We work together to find the right investments and allocation that works for you.

Hands-Off

We make all investment and allocation recommendations and request your approval before placing trades.

Not all portfolios are created equal

Your allocation of stocks and bonds, along with the types of stocks and bonds, changes the stability and overall return of your portfolio.

Don't get stuck in a cookie-cutter portfolio. Get a personalized plan that fits your needs.

Past performance is no guarantee of future results.

When determining which index to use and for what period, we selected the index that we deemed to be a fair representation of the characteristics of the referenced market, given the information currently available.

For U.S. stock market returns, we used the Standard & Poor's 90 from 1926-3/3/1957, the Standard & Poor's 500 Index from 3/4/1957 through 1974, the Willshire 5000 Index from 1975 through April 22, 2005, the MSCI US Broad Market Index through June 2, 2013 and the CRSP US Total Market Index thereafter.

For U.S. bond market returns, we used the Standard & Poor's High Grade Corporate Index from 1926 to 1968, the Citigroup High Grade Index from 1969 to 1972, the Lehman Brothers U.S. Long Credit AA Index 1973 to 1975, the Barclays Capital U.S. Aggregate Bond Index from 1976 to 2009 and the Barclays U.S. Aggregate Float Adjusted Bond Index thereafter.

For U.S. cash reserve returns, we used the Ibbotson 1-Month Treasury Bill Index from 1926 through 1977, and the Citigroup 3-Month Treasury Bill Index thereafter.

Historical Return (1926-2018)

100% Bonds, 0% Stocks

Average Annual Return = 5.3%, Worst Year = - 8.1%

80% Bonds, 20% Stocks

Average Annual Return = 6.6%, Worst year = - 10.1%

50% Bonds, 50% Stocks

Average Annual Return = 8.2%, Worst Year = - 22.5%

20% Bonds, 80% Stocks

Average Annual Return = 9.4%, Worst Year = - 34.9%

0% Bonds, 100% Stocks

Average Annual Return = 10.1%, Worst Year = - 43.1%