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WSB Investment Services LTD.

WSB Investment Services LTD. is a division of Williamsville State Bank & Trust. The advisors at WSB Investment Services LTD. are available to offer non-bank, non-deposit products and more complex financial planning. The advisors at WSB Investment Services LTD. offer complex financial planning and individual attention to each and every client.

WSB Investment Services LTD., through an agreement with Lincoln Investment, is a full-service investment center. The advisors help clients meet their financial objectives through a complete line up of financial products, including stocks, bonds, mutual funds, fixed and variable annuities.

Advisory services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisors. Securities offered through Lincoln Investment, Broker/Dealer, Member FINRA/SIPC. www.FINRA.org, www.SIPC.org, www.lincolninvestment.com

WSB Investment Services LTD., Williamsville State Bank & Trust and the above firms are independent, non-affiliated entities.

[Not FDIC Insured | May Lose Value | No Bank Guarantee]

A variable annuity is an insurance contract which offers three basic features not commonly found in mutual funds: (1) annuity payout options that can provide guaranteed income for life; (2) a death benefit; and (3) tax-deferred treatment of earnings. When applicable, the tax deferred accrual feature is already provided by the tax-qualified retirement plan (e.g. 403(b), IRA, etc). The U.S. Securities and Exchange Commission (Investor Tips: Variable Annunites) has suggested that it may be more advantageous to make the maximum allowable contribution to tax-qualified retirement plan before investing in a variable annuity. The separate account of a variable annuity is not a mutual fund. While separate accounts may have a name similar to a mutual fund, it is not the same pool of funds and will experience different performance than the mutual fund of the same or similar name. In addition, the financial ratings of the issuing insurance company do not apply to any non-guaranteed separate accounts. The value of the separate accounts that are not guaranteed will fluctuate in response to market changes and other factors. Variable annuities are designed to be long-term investments and early withdrawals may be subject to tax penalties and charges.


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3341 Old Jacksonville Road
480 S Crossing Drive
512 W Main Street