Home State Bank will be performing scheduled system maintenance on Sunday, July 19, from 12:01 a.m. to 2:00 p.m. CT. During this time, Online Banking, Mobile Banking, ATM services, and some additional banking services may be temporarily unavailable. We appreciate your patience as we complete these improvements to enhance the security and reliability of our systems.
Comprehensive financial planning and investment management services designed to help you build, preserve, and transfer wealth for generations to come.
What is Wealth Management?
Wealth management is a comprehensive approach to managing your financial life. It brings together investment planning, retirement strategies, trust and estate considerations, and long-term financial guidance—all aligned with your goals and values.
Whether you are planning for retirement, preparing for the next generation, or navigating a major life change, wealth management helps turn complex financial decisions into a clear, confident plan.
Who We Serve:
Individuals and families planning for retirement
Business owners managing personal and business wealth
Those preparing for life transitions or legacy planning
Anyone seeking long-term financial guidance and clarity
Comprehensive Wealth Services
Investment
Management
Retirement
Planning
Estate
Planning
Trust
Services
Tax
Planning
Insurance
Solutions
Meet Our Wealth Management Partner
To provide specialized investment and advisory services, Home State Bank partners with Zephyrus Financial Services, an experienced, independent wealth management firm.
We begin by understanding your current financial situation, goals, risk tolerance, and time horizon through comprehensive discussions.
2
Strategy Development
Our team develops a customized wealth management strategy tailored to your unique needs and objectives.
3
Implementation
We execute your personalized plan, coordinating investments, insurance, tax strategies, and estate planning.
4
Ongoing Management
Regular reviews and adjustments ensure your plan stays aligned with your evolving goals and market conditions.
Investment Management
Customized Portfolio Solutions
We create diversified investment portfolios aligned with your goals, time horizon, and risk tolerance. From conservative income strategies to growth-focused portfolios, we tailor every solution to fit your needs.
Active Portfolio Monitoring
Our investment team continuously monitors market conditions and rebalances portfolios to maintain your target allocation and optimize performance.
Access to Institutional Investments
Benefit from access to institutional-quality investment options typically available only to large investors.
Retirement Planning
Comprehensive Retirement Strategies
Plan for a secure retirement with strategies covering income planning, Social Security optimization, healthcare costs, and legacy planning.
IRA & 401(k) Management
Maximize your retirement savings with expert guidance on traditional and Roth IRAs, 401(k) rollovers, and required minimum distributions.
Pension & Annuity Analysis
Evaluate pension options and annuity solutions to create guaranteed income streams for your retirement years.
Disclosure Information
Check the background of your financial professional on FINRA's BrokerCheck.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
Copyright 2026 FMG Suite.
Zephyrus Financial Services is a marketing name of Cetera Investment Services. Securities and Insurance Products are provided by Cetera Investment Services LLC, Member SIPC/FINRA. Advisory services are provided by Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. View Cetera Investment Services Privacy Policy and other Important Disclosures and Form CRS.
Investment products are:
Not FDIC Insured No Bank Guarantee May Lose Value
Not a Bank Deposit Not Insured by any Federal Government Agency
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.
