Earn interest at higher rates than those offered by most traditional savings. Finance the cost of land, construction materials and labor. Every December, our downtown branch hosts a holiday open house with treats and hot. Providing financial resources as well as physical resources through volunteering helps to enhance the areas within LSB’s. Facebook (opens in a new tab) Twitter (opens in a new tab) LinkedIn (opens in a new tab) Instagram (opens in a new tab)About this app. Whether you need health, dental, or vision insurance, Lincoln Savings Bank IN IA is here to help. View account balances in real time. Pages within: Meet our Commercial Lenders. Enjoy the convenience and security of banking with Lincoln Savings Bank. Being a homeowner gives you the opportunity to put down roots, become part of a community, and build equity in your home for the future. Visit Lincoln Savings Bank in Adel, Iowa for full-service personal and business banking, mortgage loans, and more. Visit our website now to learn more about his background. An AST shareholder services representative can be reached at (800) 937-5449 between the hours of 8 a. October 17 2022. S. Lincoln Savings Bank is a full-service Central and Northeast Iowa bank dedicated to local customers and communities since 1902. alone over the past decade. #1 SBA Top Lender – Women-Owned. Attention: Lincoln Savings Bank. Complete the authorization form below. Lincoln Savings Bank proudly serves Central and Northeast Iowa. In his new role, Steve will serve as a senior Mortgage lender and lead the team of LSB Mortgage Loan Officers. Roofers can rely on LSB Insurance to cover your exposures. Today, our Contact Center provides. Make on-time loan payments. $2,500. The LSB Board of Directors accepted his resignation on Thursday, June 15, 2023. We regularly support local causes and organizations such as Butler County Fair, Relay for Life, Aplington-Parkersburg School District, the local food pantry and more. Ledger: Budget Tracker. An effortless way to pay while working out or just on the go. Lincoln Savings Bank is a full-service Central and Northeast Iowa bank dedicated to local customers and communities since 1902. Choose certificate terms ranging from three months to five years. Get a big-picture view of your budget with our free online tool. A recent update to e-statements will require users to re-enroll on or after July 17th. She can also assist with refinancing an existing home. We can help you make the most of every dollar. Office: (515) 777-7969. Pages within: Meet Our Insurance Agents. Equipment leasing often makes more financial sense than buying - especially if you need frequent updates to remain competitive. Learn more & enroll today!Lincoln Savings Bank proudly serves Waterloo, Iowa. 5%. Meet our team now! Lincoln Savings Bank (LSB) proudly announces its achievement as the leading Iowa Finance Authority (IFA) lender for the first half of 2023. Built for flexibility, these digital platforms let you create a course to best fit the unique needs of your curriculum and your students. Formerly known as The Hawkeye Bank of Allison, this location became our third Lincoln Savings Bank branch on February 5, 1987. Minimum deposit of $2,500 required to open a Companion Savings Account. The Land Title and Survey Authority of British Columbia (LTSA) would like to remind customers of its 2024 Public Holiday hours of operation. Learn about our innovative options or visit us in person at one of our convenient , Cedar Falls ( or. Make payments or send funds to almost any individual or business in the U. With a Certificate of Deposit account, you choose your savings schedule, lock in an attractive interest rate and then focus on other things while your money grows worry-free. As a dental professional, you possess the clinical expertise to create healthy and beautiful smiles. The USDA reported record-high agricultural exports in 2021. Lincoln Savings Bank is a full-service Central and Northeast Iowa bank dedicated to local customers and communities since 1902. Cedar Falls, Iowa. In her free time, Natalie likes to spend time with her husband and. Denny currently serves as the Executive Director and Secretary-Treasurer of the Iowa Farm Bureau Federation and Senior Vice President-Secretary of FBL Financial Group, Inc. Locate. and Vital Financial Services, LLC. Email. AST may be contacted as follows: Mailing Address: AST. We have 17 branches and our assets total about $1. 515-452-0719. Download our app or contact an IA branch. Specializing in residential mortgages, Christine loves helping people get into their new homes and sharing in their excitement. The WealthVision platform integrates financial planning and wealth management. This program is designed to help Iowa farmers purchase agricultural land, depreciable machinery or equipment, breeding livestock or buildings. Complete Financial Services Today, Tomorrow and Beyond. Lincoln Savings Bank is a full-service Central and Northeast Iowa bank dedicated to local customers and communities since 1902. College education expenses can be very high. Estate Planning. com Copyright © Lincoln Bancorp. Lincoln Savings Bank (LSB) opened for business in 1902. Des Moines, IA 50309. Get a big-picture view of your budget with our free online tool. At our Garwin branch, we offer full-service banking for individuals and businesses in Tama County as well as personal loans, mortgage loans, and commercial lending. In addition to all of the time-saving features of a modern checking account, its exceptional earning potential can make it a key part of your wealth management plan. . Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) Let Lincoln Savings Bank in Iowa plan for the unexpected or plan for the future with our insurance services and wealth management. About Teion: Teion is a mortgage lender with LSB specializing in all types of mortgage loans such as conventional loans, FHA loans, VA loans, and USDA loans. Sara Steinkamp is an insurance agent at Lincoln Savings Bank serving customers in and around Adel IA. We would like to show you a description here but the site won’t allow us. Digital Wallets. He came to the United States in 2000 as a foreign exchange student and attended Regina High School in Iowa City his junior and senior years. Visit Lincoln Savings Bank in Adel, Iowa for full-service personal and business banking, mortgage loans, and more. If real estate is part of the loan, but accounts for less than 51% of loan proceeds, a blended term is available. and more efficiently. No set term-limits. We will clearly and candidly explain the various options available to you such as wills, trusts, powers of attorney, life insurance, gifts, and more. Sr. We regularly support local causes and organizations such as Butler County Fair, Relay for Life, Aplington-Parkersburg School District, the. Built for flexibility, these digital platforms let you create a course to best fit the unique needs of your curriculum and your students. Contact one of our IA experts today for unique business tools and financing. Channel your teaching style. mylsb. Mr. About Mike: Mike is a native to the Cedar Valley area. With an SBA-backed 7 (a) or 504 loan, you can build. 50 monthly maintenance service charge is waived if a. Healthcare can be expensive. Written by Angela Evans. We will also provide ongoing advisory services for your estate plan, acknowledging changes in your family or estate and tax law changes. Lincoln Savings Bank is a full-service Central and Northeast Iowa bank dedicated to local customers and communities since 1902. 00 monthly maintenance service charge. About Mike: Schick now has over 20 years’ experience in the financial industry and has played a valuable role in the growth of Lincoln Savings Bank. Explore more online resources or contact us today. Clive, IA 50325. Members of these Boards serve you and Lincoln Savings Bank. Interested in talking with Adam about financing for business? Fill out the short form below. (800) 588-7551 • info@MyLSB. Mobile Banking. Come by and say hello! Opened in 2013, our Clive location offers full-service banking for individuals and businesses in West Des Moines as well as personal loans, mortgage loans and commercial lending. Just like Abe, we’re forward-thinking, innovative and passionate about what we do. Pay bills electronically and schedule automatic future and. Shara Chang is a chief legal officer in IA that serves on the board of directos for Lincoln Savings Bank. S. Abundant sunshine. All Rights Reserved. With insights on student performance, you can adapt your course to drive success. Ledger: Budget Tracker. For in-app messaging, open the ‘Profile’ tab in the app, select the 'Support' banner and then tap ‘Contact us. It requires dedication, hard work, and the right tools to navigate the ever-changing landscape of entrepreneurship. Our success in securing the top position for SBA 7 (A) loans, Exporting, Small business start-ups, and Women-owned businesses, as well as being the #2 SBA lender in Iowa for minority. , Farm Bureau Life. PwC provided robust independent assurance over the integrity of the efficacy statements in the MyLab Math for Developmental Math Product Efficacy. It’s free and you’ll save yourself more than one trip to a physical branch by being able to check your real-time balance, transfer funds between accounts, view statements, and pay bills and loans. We will reopen with normal business hours on Friday, November 24th. Better solution-seekers, relationship-builders and, yes, community bankers. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) With a free checking account from Lincoln Savings Bank in IA enjoy online banking, bill pay, a free debit card and no monthly fees. We're not just good - we're better. Get a big-picture view of your budget with our free online tool. Try Now. . We believe in building stronger communities by fostering kindness through service. Speed through checkout lines with one-touch transactions. Lincoln Savings Bank has been community-minded since 1902. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) Lincoln Savings Bank's LSB+ program helps Iowa customers achieve and provide for their families. In her new role, Inbody will be an exceptional partner to LSB’s teams by offering full Treasury Management services to business clients. , 10, 20 or 30 years) and generally pays a benefit only if the insured dies during that termFor over 100 years. Available to investors and owner-occupants. It supports our advisory process by providing a powerful engine capable of generating comprehensive financial planning analytics, calculating cash flow projections and modeling “what-if” scenarios. High yield savings, similar to a CD. Your insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement. Come by and say hello! Acquired in 2004, our Tama location offers full-service banking for individuals and businesses in Central Iowa as well as mortgage loans, personal loans, and commercial lending. Online Banking will be down from 5:00 PM on Friday, February 3rd, to 8:00 AM on Monday, February 6th. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) Nick Lang is an expert mortgage loan coordinator at Lincoln Savings Bank in IA. Call (800) 588-7551. Small Business Administration (SBA) partners with lenders like Lincoln Savings Bank to offer special financing programs to small businesses. Grant applications for 2023 need to be received by: February 7, 2023. Transfer funds between accounts. Amanda specializes in helping people build their dream homes through land and residential construction loans. Department of Agriculture loans can be used to purchase, build, repair or renovate homes in rural areas and certain suburbs. Choose certificate terms ranging from three months to five years. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) David Deeds is the vice chair of Lincoln Savings Bank board of directors and chief development officer of JSA. Website. 24. There are a good many reasons why you might need a bigger mortgage. Lincoln Savings Bank was awarded 2020 FinTech of the Year on Monday, beating out other Iowa-based technology companies such as Dwolla, Jack Henry & Associates, MakuSafe, and LenderClose. Operating Lines of Credit. With a tax-advantaged Health Savings Account, you can take some of the sting out of big medical bills by setting aside money in advance to cover treatment costs. Financing available for land or building purchases and remodeling or expansion of existing facilities. Complete Financial Services Today, Tomorrow and Beyond. Steven is a senior mortgage banker and has been with LSB since 2011. Department of Justice for website accessibility. This is due to an overall enhancement of the platform. Trust Client Portal. Contact her for help with investing, financial strategies and more. There's no charge. Personal Insurance. MyLab and Mastering are digital platforms that help you personalize the learning experience and improve results for each student with interactive course-specific content, online. But even with access to low-interest rate home loans, active-duty service members and veterans may have trouble saving for a down payment and closing costs. Our experienced lending team will take the time to explain all of our loan options, and then go the extra mile to make sure you get financing that fits nicely into your budget. Presnall received a degree in Business Education from the University of Northern Iowa. We will reopen with normal business hours on Friday, November 24th. Lincoln Savings Bank is a full service bank that serves both and in Central and Northeast Iowa. Learn about our innovative options or visit us in person at one of our convenient , Cedar Falls (. Mobile Deposit. With MyLab and Mastering, you can connect with students meaningfully, even from a distance. Our myLTSA… read more. The VA home loan is a lifetime benefit and can be used multiple times. $50. based in Northeast Iowa. You’ll have Kara’s cell phone number and work directly with her throughout the. Options include: live chat, email, telephone, and in-branch. With MyLab and Mastering, you can connect with students meaningfully, even from a distance. Today, our Contact Center provides exceptional customer service to all of our customers and branches. From life and health insurance to coverage for your vehicles and more, the friendly and experienced agents with LSB Insurance take time to understand your needs and find the perfect policies. SBA Commercial Lender. 800-588-7551. $35 overdraft fee per item. Our focus is always on you. Explore digital banking, our locations and more. Chip-Enabled Payments. Visit MyLSB. (319) 874-4238. At the. Insurance Producer. 8 billion. Designed for low-income and moderate-income borrowers. Please Note: You will not be able to access your account through online banking with Lincoln Savings Bank. Interested in talking with Jeff about financing for your business? Fill out the short form below. Need a mortgage loan in IA? Alan Tscherter is a home loan lender at Lincoln Savings Bank. However, the trek to becoming a homeowner is no short day-hike. No time limits on Companion account deposits. Contact us to learn our money-saving rates or apply online. Brooklyn, NY 11219. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) Lincoln Savings Bank's executive Board of Directors' primary duty is to look after the interests of our IA owners and shareholders. With a Home Equity Loan, the sky's the limit. Commercial Lender. Vehicle Loans. A minimum daily balance of $0. Experience user-friendly features to manage your finances in one convenient app. You can find us on University Ave near the Des Moines Golf and Country Club, west of the Club Car Restaurant & Lounge and northeast of the HyVee. S. With 27 years of experience, Tracy can assist clients through home financing options whether it be to purchase a primary, secondary, or investment property. Mission/Purpose of Organization: Is this the only funding request your organization will be making to the LSB Foundation (Lincoln Savings Bank and/or LSB Financial)An interest-earning Savings Account is the ideal place to grow your money and get ready for anything the future brings. Together with the Iowa Agricultural Development Authority (IADA), Lincoln Savings Bank offers funding under the Beginning Farmer Loan Program. Or you can complete and print the opt-in form and either present it at any branch or mail it to: (PDF File attached under documents) Lincoln Savings Bank. , Vital FS, Inc. No charge for Online Banking services. com or find us on Facebook. We use cookies to improve your online experience. Denny currently serves as the Executive Director and Secretary-Treasurer of the Iowa Farm Bureau Federation and Senior Vice President-Secretary of FBL Financial Group, Inc. Interest compounded monthly. Ms. Mike has been with Lincoln Savings Bank for 26 years and works in both the Reinbeck and Hudson locations. 29725 Diagonal Rd. Higher yield than traditional savings account. Randy Frescoln. Her team offers a team of professionals with a high level of more than 50 years of experience and energy in her successful Real Estate business. Designed for individuals and families with high-deductible health plan. Sign up for text notifications that alert you to important account activity. Mr. Office: (319) 268-9876. Get Your Finances Organized Before the Holidays Hit posted 11/7/2014 in Banking Ah, the holidays, a magical time of year full of get-togethers with familyRetired in 2017, Ken Furst is a former CPA with RSM US LLP, with experience in audit and risk management. Aaron is a Commercial Lender who lives in Waukee, Iowa. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) Let Lincoln Savings Bank in Iowa plan for the unexpected or plan for the future with our insurance services and wealth management. Talk with an agent and request a quote through our online form. Pay bills electronically and schedule automatic future and. We have used WCAG guidelines for compliance as suggested by the U. Ledger: Budget Tracker. (800) 588-7551 • info@MyLSB. Customers who are 50 years or older can enjoy this free account that features great benefits. Talk with an agent and request a quote through our online form. Instead of paying up front or tying up lines of credit with traditional financing, equipment leasing lets you leverage your buying power. With less than 5 months left until the program expires, interested businesses. Each course has a foundation of interactive course-specific content — by authors who are experts in their field. Refinancing options available. Access account funds through digital banking, at ATMs and at Lincoln Savings Bank Iowa branches. View more. Follow the simple instructions in our app to transmit the images to your account. 6201 15th Avenue. View more. Higher interest rate with an average daily balance of $1,500 or more*. Minimum $50. Save Contact. Credit limit can be customized for your operating goals. (319) 874-4188. Eligible individuals could also qualify for a $5,000 VA grant or a $2,500 first-time homebuyer grant. , Vital FS, Inc. 5. John Thomas. Track your progress through Online or Mobile Banking. Jackie Castro is a financial representative at Lincoln Savings Bank in Des Moines IA. At the Ankeny branch in Polk County, we host an annual Open House and participate in Business After Hours, a Chamber of Commerce event. The Power of Personal Financial Management posted 7/30/2014 in Banking Have you heard of personal financial management? Maybe you think of this as writingInterested in a business loan from Lincoln Savings Bank in Greene and Nashua Iowa? Lets discuss what's best for your business. Lincoln Savings Bank (Member FDIC) offers complete financial services today, tomorrow and beyond. Savers with short-term investment goals! Savers with longer term investment goals! Minimum Account to Open. The Universal Banker provides personalized banking services by performing all teller functions as well as the opening and servicing of deposit accounts and referring other products and services to appropriate banking personnel. She prides herself on being very communicative with clients to relieve any stress that may come up. With 13 years of experience in the mortgage field, Steve began his journey with LSB in. Pages within: Meet our Commercial Lenders. Here's what accessibility means. Mortgage Loan Coordinator. Romance scams are the second most profitable types of fraud on social media. Customer Service Associates (CSA) balance their teller drawer daily, which includes cash handling, periodic batching of deposits and cashed checks. S. Avoid $5 monthly maintenance service. Heidi is a senior mortgage lender in our Clive branch. • Transfer Funds. While home additions or remodeling are popular options, this affordable funding can pay for everything from family vacations to wedding celebrations to college education. General Question FAQs. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) Lincoln Savings Bank in IA makes it easy to enroll in online banking. Financial Skills for Smart Living® is a one-of-a-kind program that allows high school. Registered representatives of LPL offer products and services using the marketing name LSB Wealth Management, and may also be employees of Lincoln Savings Bank. Purchasing a home in IA with a VA home loan? Lincoln Savings Bank offers a VA mortgage guide to help you through the process. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) With the Lincoln Savings Bank Mobile App you can pay bills, deposit checks, sign up for text alerts and more. Mike Peterson has served on LSB's Board of Directors since 2010. Lincoln Savings Bank in IA offers financial products and. Digital Wallets. In his free time, Aaron enjoys spending time with his wife, Allie, and their two boys, Wesley and Brooks. Investing involves risk including the potential loss of principal. m. About Aliou Keita. Meet our Trust Reps. If the average daily balance is below $1,500 during the statement cycle there is a $5. Contact him for information about financing for your farm or business. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) You can access free financial calculators online from Lincoln Savings Bank in Iowa. Compare our business checking online. Get financial flexibility to meet your next challenge. Questions? Call toll-free 1-800-588-7551 or go to . High 54F. It will arrive with endless possibilities - and maybe a challenge or two. We work closely with the U. Access eStatements that give you a detailed overview of your finances. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) Lincoln Savings Bank can help your business earn solid returns on your financial reserves. Kara loves helping people get into their forever homes and enjoys being a part of the process. Whether you're buying a home or refinancing your current mortgage, this is a time filled with possibilities. He came to the United States in 2000 as a foreign exchange student and attended Regina High School in Iowa City his junior and senior years. as an Investment Banking Associate in the Financial. Presnall received a degree in Business Education from the University of Northern Iowa. With a few clicks, you can make your payments and move on to better things. Holiday Hours: All Lincoln Savings Bank branches will be closed on Thursday, November 23rd for Thanksgiving. Down Payment Assistance Program (Loan OR Grant) Loan: A loan of 5% of the home's sale price. FEATURES: • User-Friendly Interface. Or feel free to reach us at any of our branch locations. 01 is required to obtain the disclosed annual percentage yield. If you are not a 501 (c) (3) or if you are requesting less than $250, please use the Donation/Sponsorship Form. Access funds instantly through business Online and Mobile Banking. Submit a request for a free consultation with one of our experienced advisors. Pages within: Meet our Commercial Lenders. Routing: 073905527 (Lincoln Savings Bank) Routing: 073923033 (Qapital or Acorns) With a Recreational Land Loan from Lincoln Savings Bank in Iowa you can buy private land for hunting, fishing and more. Mobile: (319) 470-5291. With Billpay Direct, everything can be done in minutes. With 35 loans, totaling more than $21. But through it all, we've had the same focus - providing our Iowa neighbors with exceptional community banking services delivered by people they can trust. Lincoln Savings Bank. All deposits at federally insured banks are protected by the Federal Deposit Insurance Corporation (FDIC), with deposits insured up to at least $250,000 per individual depositor. Lincoln Savings Bank was named the top 7(a) Small Business Lender in Iowa. Built for flexibility, these digital platforms let you create a course to best fit the unique needs of your curriculum and your students. Experience user-friendly features to manage your finances in one convenient app. An AST shareholder services representative can be reached at (800) 937-5449 between the hours of 8 a. Review recent transactions. Renewable energy and energy efficiency. There is no monthly payment on the 2nd loan; instead, you pay it back when you sell the home, refinance your first mortgage, or pay the first loan off. Build Strong Communities: Support inclusive efforts through financial means, volunteerism and promoting diversity and inclusion in the communities we serve. The right strategy today can pay off tomorrow. Aliou attended the University of Tulsa his freshman year of college and later transferred to Drake University in Des Moines. Lincoln Savings Bank has a proud history of expert service and dedication to the communities we serve. Created Date:Ready to make the move? Let's work together. Start Saving. With equity financing, an investor provides funds in exchange for some ownership in the company. November 7, 2023. If an employee is unable to work due to a sickness or injury, disability insurance can help cover their essential living expenses. The Lincoln Savings Bank Life Insruance Needs Calculator will help you understand how much insurance you need to protect your family and their quality of life. , Farm Bureau Life. You can find us on University Ave near the Des Moines Golf and Country Club, west of the Club Car Restaurant & Lounge and northeast of the HyVee. Are you properly protected? Floods have caused tens of billions of dollars in insured losses in the U. Mike Schick has been promoted to Cedar Valley Regional Lending Leader for Lincoln Savings Bank (LSB). Lincoln Savings Bank in Iowa offers a full suite of personal and business. Mission/Purpose of Organization: Is this the only funding request your organization will be making to the LSB Foundation (Lincoln Savings Bank and/or LSB Financial)If you represent an organization or affiliation and would like to make a formal request to LSB for a sponsorship or donation, your request must be accompanied by one of the forms below. Cash App. Lincoln Savings Bank offers life, health and auto insurance and more to our Iowa customers. Download the myLSB Mobile App now to enjoy refreshing banking technology. Fixed interest rate and adjustable interest rate loans available. Meet our commercial lenders online today. Compare our business checking online. With MyLab and Mastering, you can connect with students meaningfully, even from a distance. You'll be charged a fee for any such transaction. Available Loan Maturity – SBA 7 (a) allows for up to a 25-year term given that the loan proceeds are utilized for 51% or greater on real estate. Lincoln Savings Bank in Iowa offers a variety of mortgages to fit your budget. How does Lincolns Savings Bank protect my personal. Brooklyn, NY 11219. With MyLab and Mastering, you can connect with students meaningfully, even from a distance. Member FDIC. Unique insurance from creative agents. We're ready to help you establish a Trust so your family or business will be taken care when the time comes. Version 2. Digital Wallets. Learn more & enroll today! Lincoln Savings Bank proudly serves Waterloo, Iowa. Dinner 6:00 - 7:00 PM. For in-app messaging, open the ‘Profile’ tab in the app, select the 'Support' banner and then tap ‘Contact us. m. Acorns. Explore more online resources or contact us today. Scott Bush joined the LSB Board of Directors in 2017. Lump sum loans with stable monthly payments. Lincoln Savings Bank (LSB) wants to help eligible borrowers expand meat and poultry processing capacity and finance other food supply chain infrastructure through the USDA Rural Development’s new Food Supply Chain Guaranteed Loan Program. October 2011 - Launched first myLSB app with browser-based mobile banking May 2012 - Launched mobile website for mylsb. We are constantly focused on serving you better and giving back to the local towns that have kept us in business for more than a century. Mr. Grant requests will be reviewed quarterly. We will reopen with normal business hours on Friday, November 24th. 0. Our Allison branch features a one-lane drive-thru. Shenandoah, IA (51601) Today. Lincoln Savings Bank is a full-service Central and Northeast Iowa bank dedicated to local customers and communities since 1902. Learn more and speak with an agent today. Learn about wealth planning and protection. COM.