PRODUCTS AND SERVICES

Our philosophy is based upon modern portfolio theory and "prudent investment" principles. We seek to maximize investment returns while balancing the risk profile of our investments. We consider our client's time horizon, risk tolerance, liquidity and income requirements, tax status and diversification needs. We utilize high quality, individual equity and fixed income securities, supplemented by mutual funds, to build diversified portfolios. Our investment team conducts extensive research on all of our investments and has access to comprehensive research provided by some of the world's finest investment institutions. We constantly monitor the performance of our portfolios to assure we fulfill our client's expectations.

This approach to serving our clients has been developed over a century and a half of service to Upstate clients and honed by almost 200 years of collective experience vested in our investment management team.

Investment Management

Services associated with this product set include asset safekeeping, recordkeeping, income collection and disbursement, bill paying, investment advice and more. Alliance Investment Management serves as an agent of the client. These services also available for rollovers from an IRA or qualified pension plan.

"Manager of Managers" Mutual Fund Advisory Service

With over 7,000 mutual funds from which to choose, customers benefit from Alliance Investment Management's "Manager of Managers" mutual fund advisory service. Experienced investment advisors help customers to structure and manage a diversified portfolio of select, high-performing, no-load mutual funds matched to the customer's personal financial objectives.

Brokerage Services

Whether you are a sophisticated investor who already knows the advantages different investment products may offer, or someone interested in starting an investment portfolio to grow your savings, we are here to help.

learn more about our brokerage services

Custodial Accounts

Alliance Investment Management can serve as Custodian for your investment portfolio. You control all investment decisions, we take care of the many time-consuming details: handling tax records, dividend and interest checks, bond coupons, bond redemptions, stock splits, transaction confirmations, asset safekeeping, etc. You have access to your account 24/7 through a secure internet connection.

Estate Planning

Name Alliance Bank, N.A. as executor, or co-executor with another party, and we will locate, value, safeguard and manage all assets of your estate, as needed. This valuable service can remove burdens from family members, minimize tax issues, provide detailed accounting for beneficiaries and efficiently distribute assets in accordance with your wishes.

Revocable Trust

Under this type of trust, we administer the assets, but you determine how they are to be used. It gives you freedom from the task of asset management. Under certain circumstances, probate can be avoided through the use of a living trust.

Testamentary Trust (Trust Under Will) or Irrevocable Trust

Established as part of your will, or under agreement to see that your assets are used after your death in keeping with your wishes. We provide asset management, safekeeping of assets, recordkeeping, income collection, disbursement, and bill paying services for beneficiaries. We also show you how this trust instrument may be used in estate tax planning.

Qualified Retirement Plan

Alliance Investment Management can serve as a directed Trustee for your qualified plan. We can work closely with your Human Resources Department to provide investment management and participant services for your 401k, 403b, profit sharing, money purchase or defined benefit plan.

Other Services

We offer many other ways to care for your finances and the future of your estate: Executor Services, Charitable Trusts, Special Needs Trusts and Guardianships. Please contact us to schedule a personal meeting at your home, your business, or at one of our local offices.