Are You Prepared?
Get expert advice to help ensure and protect your financial legacy at our free educational seminars.
 
Charlotte State Bank & Trust will never call you to ask you to verify or provide your full account number, username, password, debit card number, PIN or Social Security number. If you receive a call requesting this information, even if the caller ID looks like it is coming from the bank, immediately hang up, and call us at 888-624-5454.
Free Seminars

Live for today. Plan for tomorrow.

Join Charlotte State Bank & Trust Vice President Christine Hause and Portfolio Manager Angie Parsons for estate-planning and investment seminars designed to give attendees what they need to know to ensure and protect their financial legacy. Upcoming complimentary seminars are scheduled at our branch offices, via webinar, and at the Punta Gorda Isles Civic Association. 

 

Are your prepared? A series of FREE ESSENTIAL PLANNING SEMINARS AT OUR BRANCHES

Christine A. Hause, Vice President of Trust and Investment Management Services, and Portfolio Manager Angie Parsons share their expertise from a Trust Officer’s perspective on many important issues during free seminars to help you prepare for the future. Complimentary seminars will be held from 10 a.m. to 11 :30 a.m. on select dates at our North Port, Murdock, and Punta Gorda branches. Murdock seminars are also presented virtually via WebEx.

Register below, at any Charlotte State Bank & Trust branch office, or by calling Trust Operations Specialist Linda Ferrara at 941-624-1943.

Select Dates 10 a.m.

Get Stock Market-like Returns Consistently

With 92%-95% of mutual funds failing their benchmark, how can you meet or beat the benchmark? Our fiduciary portfolio manager will show you how we outperform the benchmark. Bring your questions and list of holdings to get expert advice.

Jan. 11 | Punta Gorda

Select Dates 10 a.m.

Pass Your IRA Effectively to Your Heirs

Putting a beneficiary on your IRA may not be the best choice for a variety of family issues. Second marriages, loved ones with disabilities, or heirs with spending issues can bring challenges that can require special planning for IRA inheritances.

Jan. 3 | Punta Gorda

select dates 10 a.m.

Survivorship Checklist

Learn how fiduciary officers and investment managers create successful plans for the loved one left behind. Top 10 items will be presented with helpful analysis to assist you from an estate plan and financial perspective. Some early planning ideas will be detailed, so couples can benefit too. Best practices for trust provisions, beneficiary designations, and proper titling will be discussed.

Dec. 7 | Murdock

Dec. 7 | Webinar

Select Dates 10 a.m.

Handle Out of State Wills, Trusts, and Power of Attorney

Whether you are a Floridian or domiciled in another state, it is important to know if your will, trust, and power of attorney will work as intended on all of your assets, not just some.

Dec. 6 | Murdock

Dec. 6 | Webinar

Jan. 12 | Punta Gorda

Select Dates 10 a.m.

Minimize Estate Plan Stress on Family

Losing a loved one is emotional and adding a long list of business activities to family is very difficult on them, especially when they are out of state. Discover all the challenges that family must face to settle an estate and how best to minimize them with best practices.

Dec. 12 | Murdock

Dec. 12 | Webinar

Dec. 22 | Punta Gorda

Select Dates 10 a.m.

Plan for Digital Assets & Social Media Accounts

Many have online asset accounts, photo collections, or businesses. Planning for these assets is as important as your IRA, homestead property and bank accounts. Learn tips on handling these, along with how to reduce the estate settlement costs to leave more money to your beneficiaries.

Dec. 20 | Punta Gorda

Select Dates 10 a.m.

Benefit from Florida Residency

Learn the value of becoming a Floridian and get a list of what is necessary. Learn about the tax benefits, all the values that homestead provides and how your out of state will, trust or power of attorney may interact with Florida rules.

Jan. 5 | Punta Gorda

Select Dates 10 a.m.

Fund Your Will or Trust with Proper Titles and Beneficiaries

Proper planning ensures your wishes happen as you planned. An incorrect title or beneficiary on an asset can derail your gifts to heirs. Bring your questions about how best to handle accounts, insurances, real estate or other assets.

Dec. 15 | Murdock

Dec. 15 | Webinar

Select Dates 10 a.m.

Maximize Bond Income with Low Risk

Bonds can be riskier than stocks, so learning how best to build your bond reserve with quality choices is imperative. Learn how to prudently select and value how much you should place in bonds to protect your income needs during bear markets.

Jan. 4 | Punta Gorda

Select Dates 10 a.m.

Create a Last Will & Testament or Trust

Discover the basics of each document, how these documents work together, and what elements go into creating a thorough estate plan for you and your heirs.

Dec. 8 | Murdock

Dec. 8 | Webinar

Jan. 17 | Punta Gorda

Select Dates 10a.m.

Identify and Lower Investment Expenses

Learn how to filter out or move out of expensive mutual funds, limited unit investment trusts, and private real estate trusts to find low-cost exchange traded funds and select the best non-commissioned, low-cost instruments to build or rebuild your portfolio.

Dec. 5 | Murdock

Dec. 5 | Webinar

Dec. 21 | Punta Gorda

Select Dates 10 a.m.

Select a Successor for Your Trust & Agent in Your Power of Attorney

These roles are demanding of time, energy, intellect, ethics and come at a price. Learn what skill sets should be possessed and how to reduce the expense. Giving power over your IRA, bank & investment accounts, vehicles, and other assets can be helpful or hurtful. Learn safe options and best practices for power of attorney and trust planning.

Dec. 13 | Murdock

Dec. 13 | Webinar

Jan. 19 | Punta Gorda

Select Dates 10 a.m.

Develop a Strong Financial Plan

Stocks and bonds properly managed can be a reliable nest-egg. However, spending too much, having a spouse die, paying for in-home or long-term care can risk your plan. Discover what our free, sophisticated analysis can do to give you peace of mind and test your plans ahead of a crisis.

Jan. 18 | Punta Gorda

Select Dates 10 a.m.

Glean Tips from Fiduciary Trust Officers

Stories shared from decades of experience working with clients from $500,000 to $300 million of net worth. Be able to integrate the lessons learned from family dynamics to bloodline trusts to proper gift and estate tax planning.

Jan. 10 | Punta Gorda

Select Dates 10 a.m.

Plan Your Portfolio for Bull and Bear Markets

Traders like volatility, as commissions come from buys and sells. Fiduciary non-commissioned portfolio managers prepare a solid strategy going in, so a sell off is not needed. Discover how to build a quality portfolio for success through the market’s ups and downs.

Dec. 14 | Murdock

Dec. 14 | Webinar

PUNTA GORDA ISLES CIVIC ASSOCIATION SEMINARS

The seminars sponsored by Charlotte State Bank & Trust at the Punta Gorda Isles Civic Association are free and open to the public. To register, please visit the PGICA  Office at 2001 Shreve Street Punta Gorda, call 941-637-1655.

Friday, Dec. 9
PGICA

Survivorship Checklist

Learn how fiduciary officers and investment managers create successful plans for the loved one left behind. Top 10 items will be presented with helpful analysis to help you from an estate plan and financial perspective. Some early planning ideas will be detailed, so couples can benefit too. Best practices for trust provisions, beneficiary designations, and proper titling will be discussed.

REGISTER
Friday, Dec. 16
PGICA

Cut Costs on Investment Expenses

Learn how to filter out or move out of expensive mutual funds, limited unit investment trusts, and private real estate trusts to find low-cost exchange traded funds and select the best non-commissioned, low-cost instruments to build or rebuild your portfolio.

REGISTER

Schedule a no-obligation appointment to review your estate planning documents.

We are able to meet with you online or in a large conference room to allow us to follow social distancing guidelines. Please complete to form below to request an appointment.