Home Federal Bank

Investment Services

Investment Services

Estate Planning

Life insurance, retirement planning, asset protection and other factors are intertwined and all play a role in minimizing taxes and maximizing protection for you and your heirs. From basic life insurance and asset distribution planning to complicated estate plans and trusts, John Parker, Financial Consultant, and Investment Professionals, Inc. (IPI) can help develop your personalized estate planning solution.

IPI planning software presents scenarios for you and/or your spouse with a will, medical directive and/or power of attorney. It addresses issues relating to life insurance, leaving money to beneficiaries (how much and over what period of time), business exit planning, provisions for charitable giving and the tax implications of each decision. Where appropriate, your financial consultant can coordinate the development of an estate plan with your banker, attorney and accountant.

In a May 2008 survey, AARP found that 27% of American workers aged 45 and older have postponed plans to retire and almost 25% of those surveyed said changes in the economy had prompted them to withdraw funds prematurely from 401(k)s, IRAs or other investments.

NO BANK GUARANTEE | NOT FDIC INSURED | MAY LOSE VALUE All Securities and Advisory Services offered through Investment Professionals, Inc. (IPI), a Registered Broker/Dealer and Registered Investment Advisor and member FINRA and SIPC. The investment services offered by IPI are in no way affiliated with or offered by Home Federal Bank, nor is Home Federal Bank a registered broker/dealer. Customers work solely through IPI with respect to their investment, brokerage and securities transactions. IPI does not offer or provide legal or tax advice. Please consult your attorney and/or tax advisor for such services. The products offered by Investment Professionals, Inc. are not insured by the FDIC, the NCUA or any other agency of the government, are not deposits or other obligations for the bank or guaranteed by the bank and involve investment risks, including possible loss of principal amount invested.

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