No matter where we are in life, we all wish we were doing a little better. The Southwest Georgia Bank Trust and Brokerage Division can help you make that happen. Wealth Management means having access to the services that make the most of your money - whether you're just starting out, or you need management and planning for a sizeable estate, we can help.

Access Your Account

Brokerage Services

Wealth Management Services

Brokerage Services

Brokerage Services:

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Whether you're just starting out, rolling over a 401(k) as you change jobs, or well on your way to retirement, you can count on the professionals at Southwest Georgia Bank to be your reliable partner and help you achieve your goals.
Working through Raymond James Financial Services (www.raymondjames.com) our independent professional advisors offer you a personalized financial strategy, not a generic investment program. Your individual portfolio will be based on your unique situation, your attitudes, preferences and goals.

What we offer:

  • Asset Management - Discover the benefits of professional asset management.
  • Estate Planning - Peace of mind takes planning.
  • Financial Planning - Your financial future is important. Don't trust it to just anyone.
  • Mutual Funds - Your purchasing power at work.
  • Retirement Planning - Charting a course for your retirement destination.
  • Stocks - How do stocks fit into my financial plan?
  • College Planning - What will it take to deliver the dream?
  • Bonds - Are bonds right for you?

We also offer a host of resources to help you become a better educated investor and consumer of financial service and products.

How We Work:

Our approach to investing is straightforward: we focus on becoming your partner in building the future you desire.

As we work together, our advisors will thoroughly explain the investment strategies recommended so that you'll be confident in all aspects of your investment program.

Every decision we make will be focused on achieving the results you want. Our mission is to help our clients achieve financial independence through professional advice, sound risk management, quality investment products, and personal, efficient service. If you'd like to schedule an appointment, contact us or call us at 229-873-3872.

Individual Retirement Accounts & Retirement Plans

Individual Retirement Accounts (IRAs)

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Southwest Georgia Bank's Trust and Brokerage Division can act as the custodian for your IRA and assist you in reaching your retirement goals. IRAs offer the potential for tax-deferred, compounded earnings growth, and our professionals have the expertise to explain the choice between a regular IRA or a Roth IRA and the details concerning contributions and withdrawals. We also will offer you a wide array of investment choices, including mutual funds, stocks and bonds. Even if you're already contributing to your employer-sponsored plan at work, consider an IRA as an additional way to save, building potentially tax-free savings in addition to your employer-sponsored plan.

Retirement Plans

The option to establish a business retirement plan is available to any type of business and will help attract and retain quality employees. Establishing an employee benefit plan should be part of the business planning process, yet effectively managing it can be an overwhelming task for management. Southwest Georgia Bank can relieve much of the burden a plan places on you and your business. We are a comprehensive plan service provider and can assist you in evaluating your needs, and the needs of your employees in an efficient, effective, and professional manner. We offer many types of employee benefit plans such as Simple plans, SEP plans, 401(k) plans, and Defined Contribution plans. Also we have the expertise to manage, to any degree you desire, a plan that fits the needs of your business.

To learn more about IRAs, or retirement plan services for your business, call us at (229) 873-3873, contact us, or stop in for a visit at the Southwest Georgia Bank Trust and Brokerage office located at 25 Second Avenue Southwest, Moultrie, Georgia.

Estate Planning & Trust Services

Estate Planning:

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One of the most responsible things you can do for your loved ones is plan for the transfer of your estate.

By prioritizing long-term financial objectives and developing a strategy for passing wealth to your heirs and beneficiaries, you can avoid the confusion and significant tax consequences that occur without proper planning.

Even if you have a will, you may need to consider establishing a trust as the foundation of your estate plan. If you're a business owner, it is even more critical for you to establish clear succession plans and methods for funding those plans.

Trust Services

At Southwest Georgia Bank, our trust advisors have the experience and expertise to provide the guidance you need in making significant financial decisions.

Because establishing a trust is a highly personal process, we will first work with you to determine what your objectives are and the type of trust that suits your needs. Then we will help you bring together the legal guidance and accounting professionals necessary to develop the proper plan for you. Our trust advisors work with you every step of the way, ensuring your distinct needs are met.

To learn more about estate planning, types of trusts, and the trust services we offer, call us at (229) 873-3873, contact us, or stop in for a visit at the Southwest Georgia Bank Trust and Brokerage office located at 25 Second Avenue Southwest, Moultrie, Georgia.

Gold Money Fund II

Gold Money Fund II

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The Gold Money Fund II is a cash management account designed to provide individuals, businesses, and government entities with daily access to cash while earning a competitive interest rate. The account is designed for customers able to maintain large balances in order to earn enough interest to cover costs while still providing earnings.

The Gold Money Fund II is a custodial trust account which is tied to a checking account and works like a sweep account. Excess funds in your checking account are automatically moved, or swept, into an overnight investment account, earning you interest. Once we determine an average balance, normally at least $100,000, to be maintained in your operating account, extra cash gets swept into your Gold Money Fund II account. When the balance in your operating account falls below the pre-determined average balance, money is swept back into your account in order to maintain the balance. You receive a monthly statement listing all transactions and interest earnings. And, your deposits are FDIC insured up to the applicable limit.

To learn more about the Gold Money Fund II, call us at (229) 873-3873, contact us, or stop in for a visit at the Southwest Georgia Bank Trust and Brokerage office located at 25 Second Avenue Southwest, Moultrie, Georgia.

Resources

FINRA
SIPC

Securities offered through RAYMOND JAMES FINANCIAL SERVICES, INC., member FINRA / SIPC, an independent broker/dealer and are not insured by FDIC, any other governmental agency or any other bank insurance, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Southwest Georgia Bank is independent of Raymond James Financial Services. This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Consult your local Raymond James office for information and availability.