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We offer investors a number of disciplined, highly diversified investment strategies:

Mutual Fund Based Strategy: Eight asset allocation models distinguished by style (conservative to aggressive).  Assets are invested in a combination of mutual funds diversified across various market segments designed to capture a specific risk/return profile that is suitable for a client’s investment needs.  Rebalancing occurs periodically to keep allocations within model guidelines.

Investment Management Strategy: A diversified allocation strategy that may include a combination of individual stocks, bonds, mutual funds and ETF’s.  Allocation is based on a client’s risk tolerance, goals, and time horizon.  The use of individual fixed income securities provides enhanced interest risk management and we derive higher tax efficiency by controlling capital gains within equities.

Fixed Income Strategy:  Most suitable for clients seeking preservation of principal and a steady income stream.  May include allocations to U.S. Treasuries, U.S. Agency bonds, investment grade corporate bonds and certificates of deposit.  Will generally “ladder” the bonds with various maturities in order to manage interest rate risk, duration and income needs of the client.  Consideration will also be given regarding the purchase of municipal bonds for investors who would benefit from holding “tax advantages” securities.

Third Party Strategies:  If appropriate, CNB Bank can assist clients in meeting their investment objectives by leveraging our relationship with third parties in order to provide investment opportunities that work in conjunction with our strategies, in a cost efficient manner.

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