Wealth and Trust Management Team

Andy D. Waters, President and CEO of Community Trust and Investment Company.


CTIC's Wealth and Trust Management team is a complete client relationship and service team. We provide clients with financial peace of mind today and strengthen their legacy for tomorrow. We serve clients and their families with the same diligence that we take with our own. By partnering with our clients, we can help them navigate an ever-changing market. WTM applies yesterday's experience to help you prepare for tomorrow.

We distinguish ourselves in our servicing and investment philosophy. Our dedicated staff are local and available to meet with our clients and service accounts daily. In the name Community Trust, clients have just that - trust. Like our parent company, our clients' satisfaction is founded in our community-first approach to all that we do. Community Trust has over 100 years of experience in helping families.

In the words of Community Trust Bank's CEO, "We are large enough to serve you but small enough to know you." The region's trust in this company made Community Trust Bank one of the largest bank holding companies in Kentucky. Clients can expect the same personable, honest service with WTM that they receive with Community Trust Bank.

Customer service is the cornerstone of any successful relationship. Our philosophy centers on anticipating our clients' needs before they do. We make every attempt to look at our service from the client's perspective and how it can be improved.

We have five office locations: Ashland, KY; LaFollette, TN; Lexington, KY (Headquarters); Pikeville, KY and Versailles, KY. 

Meet our Wealth and Trust Management Team: