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Investment Services, Retirement Planning, 401k Plans

.riskbox-margin{margin-right:17px;} .riskbox-margin{margin-right:17px;} Prudent investment and retirement planning insure a secure future. Our investment services professionals can help you reach your goals, with retirement planning including 401k plans and investment help to grow your savings. Contact an Investment Services Executive in your area today!

Select the Merchants Bank Investment Services Executive nearest you:

Apple Valley Lanesboro
Caledonia Onalaska
Cannon Falls Red Wing
Cottage Grove Rochester
Eau Claire Rosemount
Hampton Rushford
Hastings Spring Grove
La Crescent St. Charles
Lakeville Winona

Merchants Investment Services wants to make sure you're informed about financial issues. Click here to read our monthly economic newsletter. (April 2015)

Ways We Can Help with Your Retirement Planning

In today’s fast-paced world, too often we may forget to slow down and appreciate the truly important things in life. Whether you are saving for your children’s education, a new home, a business venture, a dream trip, or a relaxing retirement, we will tell you the facts about investing and help you set and move toward goals that are within your reach.

We are Merchants Investment Services and we can help.

We will listen to your dreams for the future, analyze your individual situation, and work with you to develop your personal financial roadmap. Whether you need to establish a 401(k) plan or need the help of an investment services professional, we look forward to answering your questions about today’s investing environment and retirement planning, including 401k plans, and keeping you informed in the future.

Our Philosophy

Merchants Investment Services works only with quality investment and insurance companies, and our philosophy is to always strive to find the best product or service to fit each individual client’s unique needs.

No one financial solution meets everyone’s needs. Therefore, we have contracted with some of the leading providers of financial products and services in the country, and we offer a wide variety of solutions.

Personal Solutions for Retirement Planning and Investing

Retirement Planning - Determine whether you are on track to meet your long term retirement goals.  No matter if you are in the accumulation phase or distribution phase of retirement, we can develop a strategy that will make sure you are on a path to success.

Investments – Our investment services are tailored to your best interests. The independent broker/dealer relationship we have with Fintegra LLC opens up a world of investment products and account options to clients. Since there are no proprietary offerings, we objectively determine the premier products from industry leading companies to work with on your behalf.

College Savings Plans – Learn how the tax and estate planning benefits of a 529 plan make it the most popular college saving vehicle in the industry. An alternative to the 529 plan is a Uniform Transfer to Minor Account (UTMA).

Insurance – Whether you are looking to protect your loved ones with life insurance or protect your assets from being spent down in retirement with long term care insurance, risk management is a cornerstone of anyone’s financial situation. Work with us to make sure you and your family is protected.

Health Savings Accounts – HSA Manager combines a cash account and a standard retail brokerage account in one HSA. This integrated structure allows you to pay for medical expenses through the cash account, while your Merchants Investment Services Executive manages your investments in the brokerage account.

     · Choose from a wide range of investments:

- HSAs can hold stocks, bonds, CDs and mutual funds.

- Since the assets in the HSA are held at your brokerage firm, your Investment Executive can manage your investments like he or she would any other account.

     · Enjoy flexible, convenient account features

- You have easy access to the cash in your account via debit cards.

     · Access your account 24 hours a day, seven days a weekThrough My HSA Manager, a secure, web-based account management tool you can:

- Obtain detailed cash account information so you can easily track medical expenditures and year-to-date contributions.

- Store medical expenditures through "My Documents Library."

- Transfer funds from the HSA to personal banking and savings accounts.

Fees apply.

Business Solutions

We have the knowledge to help business owners establish an appropriate retirement plan, business continuation/exit strategy, and buy/sell agreements. We would welcome the opportunity to speak with you about:

  • Retirement Plans: 401k, SIMPLE and SEP IRAs
  • Buy - sell agreements
  • Business continuation/exit strategies
  • Retirement planning solutions
  • Group life insurance plans
  • Key employee benefits
  • Executive compensation strategies

Investment and Insurance Products and Investment Advisory Services are offered through Fintegra, LLC, an independent registered broker/dealer, Member FINRA/SIPC, and SEC Registered Investment Adviser. OSJ phone # 800-870-7993. Merchants Bank and Fintegra are not affiliated. All Account Executives are Registered Representatives of Fintegra, LLC. Steve McDonald and Jamie Pomeroy are Investment Advisor Representatives of Fintegra, LLC.

Investment and Insurance Products and Investment Advisory Services:

• Are NOT FDIC Insured     • Are NOT Bank Deposits     • Are NOT Insured by any Government Agency
• Are NOT Guaranteed by any Financial Institution     • May Lose Value.

Click below to email the Investment Services Executive of your choice:

Caledonia, Spring Grove, La Crescent, Onalaska Investment Services Executive

Twin Cities, Cannon Falls, Hampton, Red Wing, Rochester Investment Services Executive

Learn about John's experience

 Winona, St. Charles, Caledonia, Rushford and Lanesboro Investment Services Executives

Learn about Steve's experience Learn about Jamie's experience