Wealth Menu
Routing Number: 031315036
What OFA Offers
Financial planning often involves more than one service. The OFA team takes time to understand your goals and priorities.
Financial planning often involves more than one service. The OFA team takes time to understand your goals and priorities.
Guidance For the Decisions That Shape Your Financial Life
From retirement planning and investment management to estate planning and major life events, financial needs often involve more than one service. Orrstown Financial Advisors offers a range of planning and investment services to help clients navigate important financial decisions throughout life's journey.
The OFA team takes the time to understand client goals, answer questions, and help clients explore available options.
Browse the services below to learn more, then connect with an advisor to discuss financial priorities.
Financial Planning
Overview: Financial planning brings together income, savings, spending, investments, and future goals to help individuals better understand their overall financial picture.
Who May Benefit: Individuals and families balancing multiple financial priorities or looking for help understanding where to begin.
When To Consider It: Financial planning may be worth exploring when preparing for retirement, saving for education, receiving an inheritance, planning for a major life event, or evaluating multiple financial goals.
How An OFA Advisor Can Help: An OFA advisor takes the time to understand client goals and priorities and can help organize financial information, explain available options, and identify practical next steps.
Retirement Planning and Retirement Accounts
Overview: Retirement planning considers how savings, investments, Social Security benefits, and other potential income sources may work together to support retirement goals.
Who May Benefit: Individuals building retirement savings, preparing for retirement, or adjusting to life after retirement.
When To Consider It: An advisor may be helpful when determining how much to save, evaluating retirement income sources, or considering a rollover from an employer-sponsored retirement account.
How An OFA Advisor Can Help: An OFA advisor can explain available retirement planning strategies, review potential income sources, and discuss retirement account options, including considerations related to account rollovers.
Investment Management
Overview: Investment management provides professional support for developing, implementing, and monitoring an investment strategy.
Who May Benefit: Individuals seeking ongoing portfolio management or those who prefer professional assistance with managing investments.
When To Consider It: Investment management services may be worth exploring when a portfolio becomes more complex, financial goals change, an inheritance is received, or a professional review of an investment approach is desired.
How An OFA Advisor Can Help: An OFA advisor can discuss investment objectives, time horizon, income needs, and risk tolerance, as well as available investment management services
Education Planning
Overview: Education planning helps individuals and families prepare for future education expenses while balancing other financial priorities.
Who May Benefit: Parents, grandparents, and others interested in helping fund future education expenses.
When To Consider It: Education planning can begin at any stage and may help individuals and families evaluate options for future school, college, or other education-related expenses.
How An OFA Advisor Can Help: An OFA advisor can explain available education planning options, discuss different savings approaches, and consider how future education expenses may fit within broader financial goals.
Guidance for Inheritances and Major Life Events
Overview: Major life changes can affect multiple areas of a financial plan. Whether receiving an inheritance or experiencing another significant life event, understanding potential financial implications can help inform future decisions.
Who May Benefit: Individuals receiving an inheritance or navigating marriage, divorce, a career change, a growing family, the loss of a loved one, or another significant life event.
When To Consider It: Speaking with an advisor may be beneficial before making significant financial decisions or transferring inherited assets.
How An OFA Advisor Can Help: An OFA advisor can help clients evaluate their circumstances, answer questions, and explore available options during important life transitions.
Business Succession Planning
Overview: Business succession planning prepares for the future ownership, leadership, and financial direction of a business.
Who May Benefit: Business owners considering retirement, a sale, a family transfer, or a transition to employees or business partners.
When To Consider It: Business succession planning often begins well before a transition occurs and may involve ownership, management, financial, and family considerations.
How An OFA Advisor Can Help: An OFA advisor can help identify financial considerations associated with a business transition and work alongside an attorney, accountant, and other professional advisors.
Institutional and Nonprofit Investment Management
Overview: Institutional investment management supports organizations with investment policies, portfolio strategy, and ongoing oversight.
Who May Benefit: Nonprofits, foundations, and other organizations responsible for managing long-term assets in support of their mission.
When To Consider It: Professional guidance may be helpful when establishing an investment policy, evaluating spending needs, or reviewing an existing investment portfolio.
How An OFA Advisor Can Help: An OFA advisor can work with an organization to develop and manage an investment strategy based on its objectives, responsibilities, time horizon, and available investment management services.
Additional Services Available Through Orrstown Financial Advisors Wealth & Trust Team
The following services are provided through Orrstown Banks Wealth & Trust and are not offered through Cetera Wealth Services, LLC or Cetera Investment Advisers LLC.
Trust Services
Overview: A trust is a legal arrangement that provides instructions for holding, managing, and distributing assets.
Who May Benefit: Individuals and families interested in providing for loved ones, managing assets during incapacity, supporting charitable goals, or preparing for the transfer of wealth.
When To Consider It: A trust may be worth discussing when personal wishes or family circumstances require additional planning beyond a will.
How Orrstown Financial Advisors' Wealth & Trust Team Can Help: The OFA Wealth & Trust Team can work alongside clients and their attorneys to help administer a trust according to its governing documents and fiduciary responsibilities.
Estate Planning and Settlement
Overview: Estate planning prepares for the future management and distribution of assets, while estate settlement carries out those instructions according to the terms of an estate plan.
Who May Benefit: Individuals and families who want to document their wishes, prepare future decision-makers, and establish responsibilities for managing an estate.
When To Consider It: Estate plans may warrant review following significant family, financial, or business changes, or when existing documents no longer reflect current wishes and objectives.
How Orrstown Financial Advisors' Wealth & Trust Team Can Help: The OFA Wealth & Trust Team can work with attorneys, accountants, and other professional advisors to help administer estate assets and serve in approved fiduciary roles when appropriate.
Not Sure Where To Start? Let's Talk Through Your Options
Whether planning for retirement, managing investments, preparing for a major life event, or exploring financial planning needs, Orrstown Financial Advisors is here to help. Complete the form below to connect with an OFA advisor who will take the time to understand your goals, answer questions, and help you determine where to begin.
Meet the Orrstown Financial Advisor Team
Meet the financial professionals of Orrstown Financial Advisors serving communities throughout Pennsylvania and Maryland and learn how the OFA team supports clients through different stages of life.
Resources from Orrstown Financial Advisors
Explore educational resources designed to help you better understand retirement planning, investing, insurance, taxes, estate planning, and other important financial topics.
Retirement Planning
Learn about retirement savings, income planning, and retirement planning topics.
Investments
Explore information and tools that can help you better understand investing.
All Resources
Access the full library of educational articles, tools, and resources covering retirement planning, investing, insurance, taxes, estate planning, and other financial topics.
