Central Trust Bank

The Central Trust Bank provides discretionary and non-discretionary portfolio management services tailored to the specific objectives, guidelines, and restrictions of each client. The firm utilizes asset allocation, security selection, portfolio construction, and ongoing monitoring of client accounts. The firm does not provide financial planning, estate planning, or insurance planning services directly, though such services can be referred to Central Trust Company personnel. The firm primarily serves institutional clients, including retirement plans and insurance companies, but also manages individual accounts. The firm does not sponsor or participate in wrap fee programs and generally recommends Fidelity for brokerage services, utilizing Central Trust Company as a related-person qualified custodian.