Fairfield County Financial Services offers all the experience, products and financial insight you expect from a Wall Street firm. Whether your investment needs are personal or corporate, straightforward or complex, our Financial Advisors will help you create a prudent and informed investment strategy that will allow you to meet the future with confidence.

Some of the investment opportunities available to you through Infinex include:

Stocks
Common and preferred equity issues of publicly traded companies

Bonds
U.S. Treasury, tax-free municipal, corporate and convertible bonds

Mutual Funds
Over 4,000 different mutual funds from the leading fund families.

Annuities
Both fixed and variable annuities from various issuers

Individual Retirement Accounts (IRA)
Our selection of IRAs provide vehicles to accumulate tax-deferred interest while saving for retirement:

Traditional IRA - Enables you to defer the taxes on the earnings of the account until you withdraw them. Certain individuals may be able to take advantage of contributions as tax deductible in the year they are made.

Roth IRA - A non-deductible account featuring special tax-free withdrawals for specific types of distributions after a five-year "holding" requirement has been met. The contributions to a Roth IRA are not tax deductible and are taxed in the year the earning occurred. The Roth IRA may be ideal for individuals who expect to be in a higher tax bracket at retirement.

Coverdell Education Savings Account (formerly Education IRA) - A non-deductible account that features tax-free and penalty-free withdrawals for the expressed purpose of a child's higher education expenses.

529 College Savings Plans
An innovative college savings program that offers tax-free growth on contributions to higher education expenses.

Professional Portfolio Management (Wrap Accounts)
Access to over 20 leading institutional money managers for assets of $75,000 or more. Accounts are individually managed to your specific investment objectives.

Retirement Planning
Every effective financial plan must include a retirement plan component.  Through Infinex Investments, Inc., Fairfield County Financial Services has access to:

• IRA products: self-directed and rollovers
• Roth IRAs
• Simplified employee pension (SIMPLE) plans
• Keogh and Defined Benefit Pension Plans
• 401(k) and 403(b) pension and profit sharing plans
• Money purchase plans

401(k) Rollover/IRA Rollover Services
When you leave your current employment, whether you are going to a new job or have decided to retire, you will want to look at the option of a Rollover IRA while you still have your 401(k), 403(b) or other employer sponsored retirement plans.  The Rollover is an exceptional planning tool giving you control and flexibility over your retirement funds.  Our Financial Advisors have an eye to the future; they follow trends in the retirement account market and have developed a level of expertise that can assist you in determining what the best rollover options are for you.  Your retirement funds are your future and rolling them over can be a complicated and worrisome task especially where tax considerations are concerned. Let our experts help.

Fee-Based Money Management Programs
Through Infinex Investments, Inc. we offer access to several managed account programs.  An example is Lockwood, one of the country's leading money management firms.  Through these programs, specific investment "styles" within a customer's portfolio are managed by name-brand investment management firms and monitored by our Financial Advisors.  We also offer access to a mutual fund asset allocation program through FundQuest, a leading provider of mutual fund "wrap-fee" programs.

Financial Planning
Whether you’re planning for your retirement, saving for a child’s education or need to develop an estate plan, we can help you create or refine a personalized strategy to meet your specific goals.

To Find Out More
Contact Us or call us at 203-431-7530 or toll-free at 1-800-776-6518, ext. 7530.

Investment and insurance products are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Infinex and the Bank are not affiliated.  Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by a bank or bank affiliate.  These products are subject to investment risk, including the possible loss of value.

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