Royce A. Stutzman

Provides accounting services

Provides insurance services

Glencrest provides comprehensive financial management from traditional banking services, to integrated wealth management and investment strategy, to coordinated solutions in estate planning, insurance and risk management. Their approach emphasizes diversification of investment style permitting portfolios to capture dominant themes in the marketplace which has historically led to steady returns with lower levels of risk. Focusing on one investment style, strategy or asset allocation model can lead to long periods of sub-par returns and elevated levels of risk. Glencrest's research concludes that the aftermath of speculative bubbles like the past decade are followed by several years of sub-par equity returns and above-average bond returns. As a result, they have emphasized fixed income securities in client portfolios. Their sell discipline is normally if a holding declines more than 10%, it will be sold. This reduces down-side risk and maintains their focus on wealth-building investment strategies, not buyer's remorse. The firm tends to invest in US large-cap equities in the energy, technology services and finance sectors. They maintain a very high turnover rate.

Federally chartered savings institution

Provides financial services to individuals and companies