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Are all investment roadmapsthe same?At Chemical Bank, our philosophy is deeply rooted in the tradi-
tion of providing highly personalized investment services, local
staffing and community involvement. There are many ways to
reach your financial goals. We are dedicated to helping you find
the investment route that gets you there safely and on schedule.
For more informationChemical Bank offers special investment banking services
throughout our service area. Schedule a no-fee introductory
meeting with one of our trust professionals to learn more.
We’ll be glad to help analyze your estate planning and
investment requirements and answer any questions you
might have. For the location nearest you, call 989-839-5404
or 800-808-5404. Or you may send a fax to 989-839-5479.
Our website, www.chemicalbankmi.com, also contains
additional resources and information.
Are all investment roadmapsthe same?At Chemical Bank, our philosophy is deeply rooted in the tradi-
tion of providing highly personalized investment services, local
staffing and community involvement. There are many ways to
reach your financial goals. We are dedicated to helping you find
the investment route that gets you there safely and on schedule.
For more informationChemical Bank offers special investment banking services
throughout our service area. Schedule a no-fee introductory
meeting with one of our trust professionals to learn more.
We’ll be glad to help analyze your estate planning and
investment requirements and answer any questions you
might have. For the location nearest you, call 989-839-5404
or 800-808-5404. Or you may send a fax to 989-839-5479.
Our website, www.chemicalbankmi.com, also contains
additional resources and information.
Are you confused aboutinvestment choices?Investing is an evolutionary process reflecting the dynam-
ic trends of our economy and the ever-changing society
in which we live. While change can be exhilarating, in
the world of investing it can result in confusion and
uncertainty. If you have ever had concerns about your
investment portfolio or wondered if your current invest-
ment plan will meet your family’s need, you are not alone.
For over forty years, the professionals at Chemical Bank
have helped thousands of investors just like you stay on
the road to financial success with innovative investment
solutions.
How to get on the rightroad.Chemical Bank’s investment solutions begin with deter-
mining what you want your money to do for you. When
setting financial goals, it is important to determine spe-
cific guidelines – similar to using a roadmap to reach your
destination. Without a good financial plan, one incorrect
turn could take you in the wrong direction, leading to
wasted time and lost opportunity.
Start by making a simple list of all your financial goals.
By identifying and prioritizing your needs – such as buy-
ing a new home, paying college tuition for your children
or funding your retirement – you can select appropriate
investments that will help you achieve your goals. The
investment team at Chemical Bank can help you with
some basic questions about where you are today and
where you want to go.
Next, review your personal circumstances, your risk toler-
ance, your time horizon and other individual factors that
will help determine the investment roadmap that is right
for you. Chemical Bank’s investment professionals can
lead you through our client-oriented process to ensure
that you get the investment services you want and not
what someone else thinks you need.
At Chemical Bank, we take the time to get to know you.
To us, you are not only a client, but also a neighbor. We
want to help you map out a route to achieve your finan-
cial goals, whatever they might be.
Why Chemical Bank?Many investment firms in the marketplace collect assets
through local brokers referred to as “asset gatherers.”
Their job is to send your assets elsewhere to be managed
by the firm’s managers. Too often, these firms are more
focused on sales than sound investment strategies.
You will not get a high-pressure sales pitch from the staff
at Chemical Bank because our advice is not limited by
internal investment restrictions. Instead, we leverage the
expertise of independent, highly respected industry
researchers and market analysts to help us navigate
an investment strategy that is right for you.
We also do not have proprietary investment prod-
ucts or financial instruments that must be marketed
to reach sales targets. Our investment team will act
independently and is not bound by any direct quo-
tas. Your interests will always be our top priority
as we travel together on the road to your financial
success.
We provide full-service asset management at a cost that is
competitive with that of other management companies,
including mutual funds and advisory firms. Whether
you need investment advice, life insurance analysis or
long-term retirement planning, Chemical Bank has a
location near you that is ready to help. Performance,
flexibility, proximity and choice – that is what you will
like about Chemical Bank.
How does Chemical Banknavigate the roadmap tosuccessful investing?Chemical Bank employs an “open architecture” approach
to investing your funds. An open architecture system
adapts to your needs, rather than forcing you to
adapt to the limitations of the financial insti-
tution. In essence, it gives you choices so you
can follow the route that is best for you by
eliminating the roadblocks that could prevent
you from reaching your goals.
For example, if mutual funds are your prefer-
ence, we use a comprehensive screening process
that narrows down the thousands of funds out
there to a select group of about 200 that are the
most appropriate for your portfolio. We also offer a
number of model portfolios comprised of some of the
best-performing mutual funds. Our process of investment
analysis ensures that your portfolio includes the most
suitable, best-performing funds available based on your
investment goals.
If tax efficiency is your priority, Chemical Bank’s invest-
ment team can craft a portfolio tailored to your needs.
Again, we use a sophisticated screening process to deter-
mine which securities should be purchased and which
should be sold. If you ever have questions about any pur-
chase or sale, you can talk directly to the manager who
initiated the transaction and get a full explanation. At
Chemical Bank, providing personalized service, high
ethical standards and complete financial transparency
is more than a motto, it is a tradition.
Some clients seek to diversify financial risk over multiple
asset classes, investment styles and managers. If this is
your preference, our separately managed accounts could
be right for you. This program offers a wide selection of
highly qualified investment managers from across the
country representing a variety of asset classes. We can
help create an individualized portfolio that emphasizes
wealth protection by selecting an appropriate blend of
investment alternatives. Your results are delivered to you
conveniently in a single, consolidated statement at a
competitive cost.
BASIC QUESTIONS WE ASK:• How is your current portfolio invested?
• How did you arrive there?
• What aspects of your current portfolio do youlike and what would you like to change?
• What do you hope to achieve with your portfolio?
• How do you envision getting there?
TRUST SERVICES• Personal Trust
• Investment Services
• Individual Retirement Plans
• Group Retirement Plans
• Estate Planning
• Cash Management
OTHER SERVICES• Full range of fiduciary services for
individual and institutional customers
• Administration of estates, escrows and custodial arrangements
• Broad variety of retirement planning services
Whatever your goals or risk tolerance, Chemical Bank has an investment roadmap that is right for you!
Are you confused aboutinvestment choices?Investing is an evolutionary process reflecting the dynam-
ic trends of our economy and the ever-changing society
in which we live. While change can be exhilarating, in
the world of investing it can result in confusion and
uncertainty. If you have ever had concerns about your
investment portfolio or wondered if your current invest-
ment plan will meet your family’s need, you are not alone.
For over forty years, the professionals at Chemical Bank
have helped thousands of investors just like you stay on
the road to financial success with innovative investment
solutions.
How to get on the rightroad.Chemical Bank’s investment solutions begin with deter-
mining what you want your money to do for you. When
setting financial goals, it is important to determine spe-
cific guidelines – similar to using a roadmap to reach your
destination. Without a good financial plan, one incorrect
turn could take you in the wrong direction, leading to
wasted time and lost opportunity.
Start by making a simple list of all your financial goals.
By identifying and prioritizing your needs – such as buy-
ing a new home, paying college tuition for your children
or funding your retirement – you can select appropriate
investments that will help you achieve your goals. The
investment team at Chemical Bank can help you with
some basic questions about where you are today and
where you want to go.
Next, review your personal circumstances, your risk toler-
ance, your time horizon and other individual factors that
will help determine the investment roadmap that is right
for you. Chemical Bank’s investment professionals can
lead you through our client-oriented process to ensure
that you get the investment services you want and not
what someone else thinks you need.
At Chemical Bank, we take the time to get to know you.
To us, you are not only a client, but also a neighbor. We
want to help you map out a route to achieve your finan-
cial goals, whatever they might be.
Why Chemical Bank?Many investment firms in the marketplace collect assets
through local brokers referred to as “asset gatherers.”
Their job is to send your assets elsewhere to be managed
by the firm’s managers. Too often, these firms are more
focused on sales than sound investment strategies.
You will not get a high-pressure sales pitch from the staff
at Chemical Bank because our advice is not limited by
internal investment restrictions. Instead, we leverage the
expertise of independent, highly respected industry
researchers and market analysts to help us navigate
an investment strategy that is right for you.
We also do not have proprietary investment prod-
ucts or financial instruments that must be marketed
to reach sales targets. Our investment team will act
independently and is not bound by any direct quo-
tas. Your interests will always be our top priority
as we travel together on the road to your financial
success.
We provide full-service asset management at a cost that is
competitive with that of other management companies,
including mutual funds and advisory firms. Whether
you need investment advice, life insurance analysis or
long-term retirement planning, Chemical Bank has a
location near you that is ready to help. Performance,
flexibility, proximity and choice – that is what you will
like about Chemical Bank.
How does Chemical Banknavigate the roadmap tosuccessful investing?Chemical Bank employs an “open architecture” approach
to investing your funds. An open architecture system
adapts to your needs, rather than forcing you to
adapt to the limitations of the financial insti-
tution. In essence, it gives you choices so you
can follow the route that is best for you by
eliminating the roadblocks that could prevent
you from reaching your goals.
For example, if mutual funds are your prefer-
ence, we use a comprehensive screening process
that narrows down the thousands of funds out
there to a select group of about 200 that are the
most appropriate for your portfolio. We also offer a
number of model portfolios comprised of some of the
best-performing mutual funds. Our process of investment
analysis ensures that your portfolio includes the most
suitable, best-performing funds available based on your
investment goals.
If tax efficiency is your priority, Chemical Bank’s invest-
ment team can craft a portfolio tailored to your needs.
Again, we use a sophisticated screening process to deter-
mine which securities should be purchased and which
should be sold. If you ever have questions about any pur-
chase or sale, you can talk directly to the manager who
initiated the transaction and get a full explanation. At
Chemical Bank, providing personalized service, high
ethical standards and complete financial transparency
is more than a motto, it is a tradition.
Some clients seek to diversify financial risk over multiple
asset classes, investment styles and managers. If this is
your preference, our separately managed accounts could
be right for you. This program offers a wide selection of
highly qualified investment managers from across the
country representing a variety of asset classes. We can
help create an individualized portfolio that emphasizes
wealth protection by selecting an appropriate blend of
investment alternatives. Your results are delivered to you
conveniently in a single, consolidated statement at a
competitive cost.
BASIC QUESTIONS WE ASK:• How is your current portfolio invested?
• How did you arrive there?
• What aspects of your current portfolio do youlike and what would you like to change?
• What do you hope to achieve with your portfolio?
• How do you envision getting there?
TRUST SERVICES• Personal Trust
• Investment Services
• Individual Retirement Plans
• Group Retirement Plans
• Estate Planning
• Cash Management
OTHER SERVICES• Full range of fiduciary services for
individual and institutional customers
• Administration of estates, escrows and custodial arrangements
• Broad variety of retirement planning services
Whatever your goals or risk tolerance, Chemical Bank has an investment roadmap that is right for you!
Are you confused aboutinvestment choices?Investing is an evolutionary process reflecting the dynam-
ic trends of our economy and the ever-changing society
in which we live. While change can be exhilarating, in
the world of investing it can result in confusion and
uncertainty. If you have ever had concerns about your
investment portfolio or wondered if your current invest-
ment plan will meet your family’s need, you are not alone.
For over forty years, the professionals at Chemical Bank
have helped thousands of investors just like you stay on
the road to financial success with innovative investment
solutions.
How to get on the rightroad.Chemical Bank’s investment solutions begin with deter-
mining what you want your money to do for you. When
setting financial goals, it is important to determine spe-
cific guidelines – similar to using a roadmap to reach your
destination. Without a good financial plan, one incorrect
turn could take you in the wrong direction, leading to
wasted time and lost opportunity.
Start by making a simple list of all your financial goals.
By identifying and prioritizing your needs – such as buy-
ing a new home, paying college tuition for your children
or funding your retirement – you can select appropriate
investments that will help you achieve your goals. The
investment team at Chemical Bank can help you with
some basic questions about where you are today and
where you want to go.
Next, review your personal circumstances, your risk toler-
ance, your time horizon and other individual factors that
will help determine the investment roadmap that is right
for you. Chemical Bank’s investment professionals can
lead you through our client-oriented process to ensure
that you get the investment services you want and not
what someone else thinks you need.
At Chemical Bank, we take the time to get to know you.
To us, you are not only a client, but also a neighbor. We
want to help you map out a route to achieve your finan-
cial goals, whatever they might be.
Why Chemical Bank?Many investment firms in the marketplace collect assets
through local brokers referred to as “asset gatherers.”
Their job is to send your assets elsewhere to be managed
by the firm’s managers. Too often, these firms are more
focused on sales than sound investment strategies.
You will not get a high-pressure sales pitch from the staff
at Chemical Bank because our advice is not limited by
internal investment restrictions. Instead, we leverage the
expertise of independent, highly respected industry
researchers and market analysts to help us navigate
an investment strategy that is right for you.
We also do not have proprietary investment prod-
ucts or financial instruments that must be marketed
to reach sales targets. Our investment team will act
independently and is not bound by any direct quo-
tas. Your interests will always be our top priority
as we travel together on the road to your financial
success.
We provide full-service asset management at a cost that is
competitive with that of other management companies,
including mutual funds and advisory firms. Whether
you need investment advice, life insurance analysis or
long-term retirement planning, Chemical Bank has a
location near you that is ready to help. Performance,
flexibility, proximity and choice – that is what you will
like about Chemical Bank.
How does Chemical Banknavigate the roadmap tosuccessful investing?Chemical Bank employs an “open architecture” approach
to investing your funds. An open architecture system
adapts to your needs, rather than forcing you to
adapt to the limitations of the financial insti-
tution. In essence, it gives you choices so you
can follow the route that is best for you by
eliminating the roadblocks that could prevent
you from reaching your goals.
For example, if mutual funds are your prefer-
ence, we use a comprehensive screening process
that narrows down the thousands of funds out
there to a select group of about 200 that are the
most appropriate for your portfolio. We also offer a
number of model portfolios comprised of some of the
best-performing mutual funds. Our process of investment
analysis ensures that your portfolio includes the most
suitable, best-performing funds available based on your
investment goals.
If tax efficiency is your priority, Chemical Bank’s invest-
ment team can craft a portfolio tailored to your needs.
Again, we use a sophisticated screening process to deter-
mine which securities should be purchased and which
should be sold. If you ever have questions about any pur-
chase or sale, you can talk directly to the manager who
initiated the transaction and get a full explanation. At
Chemical Bank, providing personalized service, high
ethical standards and complete financial transparency
is more than a motto, it is a tradition.
Some clients seek to diversify financial risk over multiple
asset classes, investment styles and managers. If this is
your preference, our separately managed accounts could
be right for you. This program offers a wide selection of
highly qualified investment managers from across the
country representing a variety of asset classes. We can
help create an individualized portfolio that emphasizes
wealth protection by selecting an appropriate blend of
investment alternatives. Your results are delivered to you
conveniently in a single, consolidated statement at a
competitive cost.
BASIC QUESTIONS WE ASK:• How is your current portfolio invested?
• How did you arrive there?
• What aspects of your current portfolio do youlike and what would you like to change?
• What do you hope to achieve with your portfolio?
• How do you envision getting there?
TRUST SERVICES• Personal Trust
• Investment Services
• Individual Retirement Plans
• Group Retirement Plans
• Estate Planning
• Cash Management
OTHER SERVICES• Full range of fiduciary services for
individual and institutional customers
• Administration of estates, escrows and custodial arrangements
• Broad variety of retirement planning services
Whatever your goals or risk tolerance, Chemical Bank has an investment roadmap that is right for you!
Are all investment roadmapsthe same?At Chemical Bank, our philosophy is deeply rooted in the tradi-
tion of providing highly personalized investment services, local
staffing and community involvement. There are many ways to
reach your financial goals. We are dedicated to helping you find
the investment route that gets you there safely and on schedule.
For more informationChemical Bank offers special investment banking services
throughout our service area. Schedule a no-fee introductory
meeting with one of our trust professionals to learn more.
We’ll be glad to help analyze your estate planning and
investment requirements and answer any questions you
might have. For the location nearest you, call 989-839-5404
or 800-808-5404. Or you may send a fax to 989-839-5479.
Our website, www.chemicalbankmi.com, also contains
additional resources and information.
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