Wealth Management at FNBT
First National Bank and Trust (FNBT) has been an independent bank since 1882, serving our community with pride. As a truly local bank, we operate locations throughout Southern Wisconsin and Northern Illinois, treating our customers like family. Explore how our comprehensive financial planning and trust management expertise can help secure your financial future.
by Steve Schou | FNBT Wealth Management Trust & Investments Officer
FNBT Wealth Management
FNBT Wealth Management, the investment arm of our Trust Department, offers a wide range of investment services. You don't need to have a trust to benefit from our wealth management expertise. Our fee-only fiduciaries work solely for your best interests, managing retirement accounts, IRAs, non-IRAs, and trusts.
Client-Centered Investment Approach
Our wealth management team builds long-term relationships with clients and their families, using a goals-based approach tailored to individual investment risk and diversification needs. Unlike other financial firms, our team is legally obligated to act in our clients' best interest.
Investment Diversification and Timely Strategies
Our experienced team employs a macro-economic perspective to implement diversified investment strategies. Leveraging advanced technology, we can quickly adapt to market conditions and economic trends, ensuring timely strategy adjustments without corporate delays. As an independently owned bank, we make swift investment decisions to enhance our clients' financial well-being.
Comprehensive Financial Planning
Beyond investment management and trust services, FNBT Wealth Management offers holistic financial planning, including estate planning and philanthropic advising. Our clients also gain access to our full range of banking services, such as various loan products, lines of credit, and specialized business financing, seamlessly integrated into their financial plans.
Stability and Oversight
While our wealth management investments are not FDIC guaranteed, our status in a heavily regulated industry provides stability and reassurance for clients, especially those with significant assets.
Trust Department Expertise
Our Trust Department is staffed with professional trustees who manage and administer estates and trusts. We offer unique services like guardianships and conservatorships, managing assets for minors or individuals unable to handle their financial affairs. Our team handles trust tax planning, minimizing tax liabilities, managing assets, and ensuring proper estate settlement through the probate process.
Continuity and Longevity
The FNBT Trust Department provides continuity and longevity, serving as trustees for generations and helping minimize potential family conflicts regarding trust management and asset distribution.
Your Trusted Partner
For peace of mind in managing your wealth and estate, consider FNBT Wealth Management and Trust Department. Our rich history, strong community connections, and commitment to personalized, fiduciary service make us the ideal choice for your investment and trust needs. We’re always here to prioritize long-term client relationships and always act in our clients' best interests.
Bio - Steve Schou
Steve joined First National Bank and Trust's Wealth Management team in 2020 as a Trust & Investments Officer, providing Sound Advice and expertise on investment strategies, retirement, and Social Security planning to FNBT clients. With over 30 years of financial experience, Steve's passion is to help guide people through the maze of long-term financial planning and investing. He believes in outside-the-box thinking using a holistic approach to retirement and estate planning. This approach addresses the emotional, psychological, and financial aspects of retirement. A Certified Financial Planner Practitioner™, CFP® since July 1994, Schou obtained the Accredited Wealth Management Advisor™, AWMA® in July 2018. During his career he’s been a partner in an independent investment firm, and has written many articles on the topics of investing, and retirement.