Retirement Services Philosophy

What Makes Our Program Unique?

For many decades, Community Trust and Investment Company (CTIC) has been a local provider of retirement plans to employers of all sizes. We offer Defined Benefit Plans as well as Defined Contribution Plans: 401(k), Profit Sharing and Money Purchase Plans. Our unique characteristics offer some key advantages such as: 

  • Trustee and Investment services that deliver peace of mind.
  • A dedicated, proactive Relationship Manager and team who truly cares and is always available. 
  • A staff of local professionals who specialize in retirement plan services – we know the business. 
As an experienced and knowledgeable provider, we bring together all the necessary components of a sound retirement plan – seamlessly and at a reasonable cost. 

Retirement Services Investment Management

Our focus of investment management and fund selection for participant directed plans is consistent with the requirements of employee retirement savings needs, as well as those of the employer. The ultimate goal is to understand company objectives, as well as participant needs in identifying the appropriate portfolio or fund lineup. Investment services include assisting with the development of an investment policy; continual review of options offered directed plans (never using funds with loads, proprietary, or in-house funds); performance reporting and review; and the ability to offer target date funds.