Personal Financial Planning & Investment Services

Mutual Funds allow you to pool your money with that of other investors who have similar investment goals. These funds provide potential for long-term growth, professional money management, and diversification* opportunities for investment dollars.

A Unit investment trust (UIT) is a fixed portfolio—most often made up of stocks and bonds—that can distribute dividends and interest over a set amount of time.

Thomaston Financial Services offers access to the following annuities:

• Tax Sheltered Annuities, which are tax-qualified plans offered to employees of non-profit organizations and employees of public school systems.
• Fixed Annuities, which are tax deferred, allow you to safely take advantage of competitive fixed interest rates. A fixed annuity is a dependable insurance product that can provide you with steady income in the future.
• Variable Annuities, which combine the tax-deferral benefits of a fixed annuity with the flexibility and performance of an investment fund. You control the investment options and can take advantage of potential competitive returns through market exposure.

Your investment professionals at Thomaston Financial Services can place stock, bond, and treasury bill orders. All domestic stock exchange orders are available to our clients. We offer a broad range of bonds to help you meet your income needs, including Treasuries, Federal Agencies, corporate, municipal, and mortgage backed.

Thomaston Financial Services offers access to various banks CDs. CDs have characteristics that are common with bonds, but also include FDIC protection up to the applicable limits. They should be held to maturity to avoid loss of principal.

Insurance can provide financial protection for your family or business. The Infinex financial advisors at Thomaston Financial Services offer term, whole life, wealth transfer and long-term care.

REITs are companies that own and manage a portfolio of various real estate. REITs can sell like stocks on major exchanges and can provide diversification and long-term capital appreciation. Enjoy the benefits of real estate ownership without the associated difficulties of a landlord.

Thomaston Financial Services can help facilitate College Savings Plans, which can be used to pay tuition, fees, room and board, books and required supplies. It’s never too early to start saving, and your advisor can go through the possibilities with you as well as tax advantages of 529 Plans.

No matter your age, planning for your financial future is always a good idea. At Thomaston Financial Services, you can make sure you understand all of the choices that are out there. Get access to Traditional Individual Retirement Accounts (IRAs), Roth IRAs, and Simplified Employee Pensions (SEP) plans, in addition to 401(k) and 403(b) plans.

Do you know what it takes to secure your retirement? Use Thomaston Savings Bank’s Retirement Planner to calculate your savings.