A wealth professional is your personal guide — helping you navigate investments, plan for retirement, and achieve your financial goals. You'll receive comprehensive expertise tailored to your unique situation, giving you the confidence to focus on what matters most in your life.

Here are some signs our wealth services could be beneficial for you:

• You have significant financial aspirations but are uncertain about the optimal path forward
• You're approaching a major life transition (marriage, home purchase, business sale, retirement)
• You've received an inheritance or experienced a financial windfall and need strategic guidance
• You're seeking to optimize your investment approach or diversify your portfolio
• You want to ensure comprehensive preparation for your future and for achieving your long-term goals
• You're looking to create a meaningful legacy or efficient wealth transfer strategy
• You need integrated solutions that address the complex interplay between your personal and business finances

Wealth management is about more than just overseeing investments. Our wealth professionals create holistic strategies that consider your entire financial picture. We craft personalized roadmaps that support your most meaningful aspirations—whether funding education for loved ones, creating charitable legacies, or securing your ideal retirement lifestyle.

From thoughtful retirement planning to effective wealth transfer approaches, our personalized guidance ensures all your objectives remain in clear focus. Your wealth professional brings together investment management, tax considerations, estate planning, and risk protection into a cohesive strategy that aligns your financial decisions with your values and long-term goals.

This comprehensive approach means you'll benefit from expertise that addresses different aspects of your wealth working together, creating harmony between your resources and your life's most important priorities.

It's never too early or too late to engage with a wealth professional. The right time is simply when you're ready to take a more strategic approach to your financial future.

Early in your journey, a wealth advisor can help establish strong financial foundations and habits that compound over time. Later in life, they can optimize what you've built and create strategies for preservation and distribution of your wealth.

Remember, the goal is to collaborate with a trusted expert who will help you understand, prepare for, and achieve your objectives—whatever they may be. Your wealth professional becomes a dedicated partner, providing clarity about your complete financial picture, establishing meaningful goals, and creating the path to achieve them.

Your customized wealth strategy will evolve alongside your life circumstances, allowing you to focus on what matters most while knowing your financial future remains in capable hands.

Our wealth management services include:

• Growing your wealth through building portfolios that align with your goals, timelines and risk-tolerance.
• Preserving your wealth by leveraging our expertise to build a plan for all of life's "what-ifs".
• Planning for retirement. We'll design a plan to give you the lifestyle you want -- for now and the future.
• Financial Planning — whether supporting a child's education, planning your dream wedding, we'll make sure your short-term and long-term goals are covered.
• Managing your estate. Ensure your loved ones are cared for and your values preserved.
• Growing your business. We've got you covered from even the most complex needs.
• Planning for succession or the sale of your business.

And more! Learn more about how we can help you realize your financial goals.

Yes, FNBO has a team of specialized professionals who work with business owners to plan for succession or prepare to successfully sell or transition their business to new ownership. We help you navigate critical decisions and set up new leadership for success—whether they're family members, key employees, or outside buyers—while maximizing your business value and aligning with your personal financial objectives. Our credentialed professionals provide coordination, action, and accountability across your entire FNBO Wealth team.