Wealth & Retirement Planning The right investments allow you to live life the way you want.

Get in touch

It’s never too early to save for retirement. At Cadence Bank, we have a range of wealth planning services, tools, and accounts to help you save for life after work.

Our philosophy is to work closely with you to identify your goals and aspirations. From there, we can help you choose and implement financial strategies to meet your needs, while considering your risk tolerance and time horizon.

Plan for Your Future

The prospect of retirement raises many questions: At what age can I comfortably retire and continue to enjoy my current lifestyle? Will I outlive my resources? How should my retirement assets be allocated?

The first step is to review your current retirement assets, including IRAs, 401(k)s, deferred compensation plans, pensions and non-qualified accounts. By analyzing your current assets, cash flow and spending habits in light of your goals, we can develop a comprehensive retirement plan with you that meets your goals while at the same time takes into consideration taxes and inflation.

Our investment professionals have the knowledge and expertise to design and administer many types of solutions, including:

  • 401(k) Rollovers (traditional, safe harbor, Roth and simple)
  • IRAs
  • Inherited IRAs
  • Employee stock ownership plans (leveraged, non-leveraged and non-qualified)
  • College planning
  • Profit sharing plans
  • Pension plans
  • Stocks and bonds
  • Mutual funds

Additionally, we can set up monthly distributions to be deposited directly to your checking account from any bank, withhold federal income tax upon request and establish monthly contributions through bank drafts.

Individual Retirement Accounts (IRAs)

An Individual Retirement Account (IRA) from Cadence Bank can help you build enough money to support your dreams of retirement. With IRAs, you can be well on your way to enjoying some of the best years of your life.

Trusteed IRA

A Trusteed IRA, also known as an Individual Retirement Trust (IRT), combines the tax advantages of saving and investing in an IRA with the flexibility and long-term control of a trust. With this type of investment, you can combine your estate planning and retirement goals within a single framework.

An IRT can be very helpful in executing a strategy that allows you to take care of the next generation without having to spend down all inherited IRA assets as outlined in the new SECURE act.

Roth IRA

This non-tax-deductible account features tax-free withdrawals for certain distribution reasons after a five-year holding period.

Many investors open both a traditional IRA and a Roth IRA because the combination lets you customize your own blend of tax-deductible and nondeductible contributions to your retirement accounts. A Cadence Bank advisor can help you decide which is a greater priority: reducing your taxes now through deduction or reducing your taxes in the future with tax-free earnings.

Rely on our financial advisors to help you understand your options so you can make educated decisions about your investment and retirement savings accounts to support your wealth planning goals.


Infographic Retirement Strategies by Age: 20s, 30s and 40s

Learn more

Article What You Need To Know About Individual Retirement Accounts

Learn more

Contact one of our Wealth Advisors today.

Father playing with daughter Retina

Not Insured by FDIC | Not Bank Guaranteed | May Lose Value | Not Insured by any Federal Government Agency | Not a Bank Deposit

dot image