Retirement Income/Accounts


Planning for the next stage of your life

For many, saving money is the easy part.   When to start withdrawing money, how much, and from where often creates a greater challenge.  Creating, implementing, and monitoring a plan for retirement income will go a long way in alleviating the greatest fear of today’s retiree….running out of money.

Things to consider when developing a retirement income plan:


What are your current expenses?  Which ones will go away?  Are there new expenses on the horizon?  What expenses will outpace inflation (e.g. healthcare)?

Income Sources

What are your guaranteed income sources (e.g. Social Security, pension, etc.)?  When should they be 
taken?  Which assets should be used in creating an income stream?

Asset Allocation

Should I be more conservative or more aggressive with my investments depending on income needs?  Do my retirement vs. non-retirement accounts have the right mix of income-producing and growth investments?


What is your family health history?  Does longevity run in the family?  Does your retirement income strategy complement your overall estate plan?

Please consider meeting with one of our Wealth Management Division professionals so they can explain how a customized retirement income plan can shepherd you through your golden years.


Are you considering retirement ? Have you changed jobs? Do you have a retirement account that has 
been parked in a former employer’s plan for years?  We can help!

Consider establishing an IRA or Roth IRA with our Wealth Management Division! Our Wealth Management Professionals have the experience, knowledge, and resources necessary to keep your retirement dreams on track or to help you develop a new strategy for your retirement assets.

As with all of our services, you may select the level of service and type of relationship with us that best fits your needs and circumstances. We offer:

  • Fully-Managed Accounts- Utilize the expertise of our Portfolio Management Team as they  actively manage your retirement account on your behalf.
  • Self-Directed Accounts– Choose the investments that you desire to meet your retirement needs.

In addition, you may choose from a wide range of available investments, including but not limited to the following:

  • Mutual Funds
  • Individual Stocks and Bonds
  • Exchange-Traded Funds
  • Certificates of Deposit
  • Unique Assets

Remember that achieving your retirement goals requires far more than good investment results. It requires a detailed and appropriate retirement plan!

Let our Wealth Management Professionals assist you with that plan! We will help you understand where you are today, define where you want and need to be upon retirement, and determine the optimal course of action.

To learn more about establishing an IRA, Roth IRA, or Rollover IRA, please email our Wealth Management Department or call us at (608) 826-3570 We are located at 455 S. Junction Rd., Suite 100., Madison, WI 53719

Investment products:

Not all investment products are FDIC insured; Non-Deposit Investment Products (NDIPs) are not a deposit or other obligations of, or-guaranteed by, State Bank of Cross Plains; Non-Deposit Investment Products (NDIPs) are subject to investment risk, including possible loss of principal amount invested.