• Phone
    Locations:
    St. Peter: (507) 931-4000
    Mankato: (507) 625-1121
    Gaylord: (507) 237-5521
  • Hours
    Lobby:
    Mon-Thur: 8:30am to 4pm
    Fri: 8:30am to 5:30pm
    Drive-up:
    Mon-Fri: 7:30am to 5:30pm
    Sat: 7:30am to 12pm
  • Directions

Investments

As an investor, you need to get from point A, where you are today – to point B, your ultimate financial goal. Whether you are investing for a new home, for your retirement, or the cost of a college education, we can help. Through the First Investment Center, we can help keep you on track to reach your financial goals. Together, we can develop a plan that includes the blend of investments that offer you the flexibility, growth potential, and diversification you need.

Please contact Investment Advisor Representative Daryl Snow for more information:
Mankato Branch: (507) 386-4133 or St. Peter Branch: (507) 931-5211

First National Bank MInnesota St-sm
St. Peter
First National Bank Minnesota Mankato Branch-sm
Mankato

 

 

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First Investment Center

Whether you are investing for a new home, for your retirement, or the cost of a college education, we can help.  Together, we can develop a plan that includes the blend of investments that offer you the flexibility, growth potential, and diversification you need. Investment services are offered through Cetera Investment Services, LLC. An experienced brokerage firm, Cetera Investment Services provides services and products to the customers of nearly 500 financial institutions.

 

Retirement Plans

Plan for a confident financial future – for yourself and your company. The right retirement plan may help you build loyalty and keep your staff where you need them.

Benefits of a retirement plan:

  • Tax benefits.
  • Employee benefit. Attract and retain quality employees.

 

Retirement plan choices : Simplified Employee Pension (SEP) Plan; Savings Incentive Match Plan for Employees (SIMPLE) IRA; Qualified Plans (Profit Sharing and Money Purchase); 401(k)

To open your account today, or to get more information about SEP, SIMPLE IRA, or Qualified Plan, please call (507) 931-5211, or stop into one of our First Investment Center offices located at 226 Nassau Street in St. Peter, MN or 500 Long Street in Mankato, MN.

 

College Funding

529 Plans available

A 529 Plan is an education savings plan operated by a state or educational institution designed to help families set aside funds for future.

Before investing, the investor should consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan.

 

 

Stocks, Bonds, & Mutual Funds

Municipal Bonds

IRAs and Stocks

Self Directed IRAs

  • A Self-Directed IRA account allows you to manage your Traditional, Roth, or Education IRA investments in the way that makes sense to you.

Stocks

  • Shares of stocks represent partial ownership in a corporation and as these corporations prosper, your investment has the potential to grow.

 Mutual Funds

  • Whether you’re a small or large investor, prefer conservative or aggressive investments, mutual funds work to give you an opportunity for capital appreciation or competitive yields, liquidity and relative safety. That is because mutual funds (companies that pool the assets of many shareholders) provide diversification-with the added benefit of professional management.

 

Whatever your investment objectives and desired level of risk, there are mutual funds to match. From conservative to aggressive; from immediate income to long-term growth; you choose the fund or funds that best meet your investment needs:

  • Money Market Funds
  • Fixed Income or Bond Funds
  • Equity or Growth Funds
  • Balanced Funds
  • Specialized Mutual Funds

If you are looking for a versatile investment that offers opportunities for everyone, consider mutual funds; the choice of many investors.

Mutual Funds are sold by prospectus. Investors should carefully consider the funds investment objectives, risks, changes and expenses before investing. The prospectus contains this and other information about the investment company. A prospectus is available from an Investment Executive. Please read the prospectus carefully before investing. 
Cetera Investment Services LLC is an independent, registered broker/dealer. Member SIPC/FINRA. Securities and insurance products offered by Cetera Investment Services: *Not FDIC/NCUSIF insured *May go down in value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency

 

Annuities

Tax-deferred Annuities

  • As an investor, you may find the key to tax control is annuities. You are given the opportunity to choose between fixed and variable annuities:

Tax control: All earnings grow tax-deferred until withdrawn. Your money works harder without the drain of current taxes. Access to your money: In most cases, you have flexible access to some percentage of your money.

  • Fixed Annuities: Fixed Annuities are backed by highly rated insurance companies which guarantee your principal amount deposited (Guarantees are based on the claims-paying ability of the issuing insurance company. Subject to the claims paying ability of the issuing insurance company). Because you earn compounded interest on the money that would have gone to pay taxes, savings grow faster than they would in a taxable investment at the same rate. Annuity proceeds are paid to name beneficiaries immediately upon death, without the delay, publicity, or expenses of probate.
  • Variable Annuities: A variable annuity is a long-term retirement investment vehicle. It’s an insurance contract that is specifically designed to build your retirement savings. When you’re ready a variable annuity can provide you with retirement income in several ways, including options that can help you receive an income stream that you cannot outlive. Most variable annuities offer a broad range of investment objectives among the portfolios, so that you can choose from relatively conservative portfolios with a lower level of risk, or more aggressive investment portfolios, so that you can choose from relatively conservative portfolios with a lower level of risk, or more aggressive investment portfolios with a higher degree of risk, having the potential for higher investment returns. Highly qualified, world-class portfolio managers professionally manage these investment portfolios. Keep in mind your annuity’s value will vary over time, according to the performance of the individual investment portfolio you choose. Variable annuities can be a valuable asset to your investment portfolio:
  • Defer paying taxes until your begin taking distributions
  • Take advantage of the marketing opportunities
  • Control the quality of your retirement
  • Receive monthly or yearly income that you cannot outlive
  • Ensure that your beneficiaries receive the full value of their inheritance on a timely basis

Discover how a variable annuity can help you achieve a well-deserved, comfortable retirement. Realize that withdrawals prior to 59 1/2 may be subject to a 10% IRS penalty and the amount withdrawn is subject to ordinary income tax. Variable Annuities are sold by prospectus. Investors should carefully consider the funds investment objectives, risks, charges and expenses before investing. The prospectus contains this and other information about the investment company. A prospectus is available from an Investment Executive. Please read the prospectus carefully before investing.  Surrender charges are deducted for redemption during the early years of the annuity contact.

 

Cetera Investment Services LLC is an independent, registered broker/dealer. Member SIPC/FINRA. Securities and insurance products offered by Cetera Investment Services: *Not FDIC/NCUSIF insured *May go down in value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency

 

 

 

 

 

Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. First Investment Center, 226 Nassau Street, St. Peter MN 56082
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Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information on this website is for U.S. residents only and does not constitute an offer to purchase brokerage services to persons outside of the United States.