Taxes

• Avoiding Probate
  Designating a POD beneficiary is an excellent way of facilitating quick distribution of the money in an Account in the event of the death of the last Account holder. It may help you to avoid probate. If you have questions on POD arrangements and/or probate, consult with your attorney. To set up a POD beneficiary on your Account, ask your Associated Banker for the proper forms. The number of POD beneficiaries on an Account may help to increase FDIC deposit insurance coverage. See your Associated Banker for details.
• Roth IRA
  The Bank offers a variety of products for IRA, Roth IRA, HSA and CESA plans. Please consult a professional tax specialist for IRS rules governing HSAs, CESAs and IRAs (including differences between Traditional IRA and Roth IRA tax treatment and potential IRS penalties on funds withdrawn from such plans).
• Tax Deductions
  As you pay off your mortgage, you build equity—the difference between your home value and loan amount. A home equity line of credit lets you use that equity to make purchases. The advantage of a HELOC over traditional loans or credit cards includes competitive rates, low closing costs and possible tax deductions. Consult your tax advisor.
• Income Tax
  *All annuities are subject to the claims paying ability of the insurer. Ordinary income taxes apply to withdrawals of earnings. Withdrawals prior to age 59 1/2 are generally subject to a 10% IRS penalty tax. Consult your tax adviser to consider your personal tax circumstances.

Investment

• Investment Management
  Associated Bank and Associated Bank Private Wealth are marketing names AB-C uses for products and services offered by its affiliates. Securities and investment advisory services are offered by Associated Investment Services, Inc. (AIS), member FINRA/SIPC; insurance products are offered by licensed agents of AIS; deposit and loan products and services are offered through Associated Bank, N.A. (ABNA); investment management, fiduciary, administrative and planning services are offered through Associated Trust Company, N.A. (ATC); and Kellogg Asset Management, LLC® (KAM) provides investment management services to AB-C affiliates. AIS, ABNA, ATC, and KAM are all direct or indirect, wholly-owned subsidiaries of AB-C. AB-C and its affiliates do not provide tax, legal or accounting advice. Please consult with your advisors regarding your individual situation.
• Mutual Funds
  The presence of an HSA account or the presence of an investment account(s) including annuities, mutual funds and brokerage accounts for customers of Associated Investment Services (AIS).

Accounting

• Accounting Services
• Payroll Services

Planning

• Retirement Planning
  Retirement planning —The sooner you start saving for retirement, the more time your money has to grow. Choose from several options to put your retirement on track.
• Annuities
  An annuity is a contract with an insurance company that can be funded with a lump-sum or a series of payments. The contract can offer growth opportunities through a fixed/guaranteed rate of return, a return linked to the performance of market indexes, or unlimited growth based on market performance of underlying investments. Annuities also allow the contract value to be turned into a lifetime income stream and can offer protections that ensure the full amount of premiums paid (at a minimum) are returned to beneficiaries at the time of the owner’s death.
• Long Term Care
• Asset Management