Our Core Principles 

Karen Goodall and customersInvestment Philosophy

At Northwest Bank & Trust Company, we believe our main goal is to successfully meet our clients’ investment objectives.  In order to accomplish this, we recognize that there is a correlation between risk and return.  We employ sound judgment with a disciplined approach that is consistently applied utilizing contemporary methodology.

Investment Principles for All Account Types

  • We believe a longer term time horizon should be applied to most investment judgments.
  • Investment returns should be consistent with the clients’ expectations.
  • Prudent diversification among and within asset classes will be dictated by the client’s investment objective and risk tolerance.
  • Quality and liquidity are key inputs into the risk control process.
  • We believe that common stocks will be the major asset class utilized in achieving most of our clients’ long-term investment objectives.
  • We believe that bond investments can be used to modify portfolio risk and to meet income, cash flow, or total return client objectives.
  • Structured investments are effective in achieving risk controlled asset class exposures.
  • All investment decisions are based upon sound fundamental analysis, or replicating a benchmark index.

Trust & Estate Administration

  • Northwest Bank & Trust Company is a fiduciary.  We are held to a higher standard and adhere to all fiduciary principals.
  • Our team of specialists has the expertise to avoid mistakes that could cost money and unnecessary taxes.
  • We are impartially focused to prevent conflicts that can disrupt family harmony.
  • We work hand in hand with reputable CPA’s and attorneys to ensure that your account is being treated in the most tax efficient and productive manner.

Retirement Plan and IRA Services

  • Northwest Bank & Trust Company can serve as Corporate Trustee for your plan, taking responsibility for recordkeeping, testing and regulatory compliance.
  • We offer the use of IRS approved 401(k) plan documents that are updated as tax law changes occur.
  • We provide education to your employees along with periodic account statements as well as internet access to account information.
  • When Northwest Bank acts as Trustee for your IRA we make sure required minimum distributions are taken and file all necessary forms with the Internal Revenue Service.

 


Investment Products
• Are not insured by the FDIC or any other federal government agency
• Are not deposits of or guaranteed by the bank or any bank affiliate
• May lose value