| Providing for your family or organization's long-term financial needs means paying careful attention to your investments and creating a plan to manage them after you're gone. At Argent Trust*, design and administration is our first focus. That’s why the staff of Argent Trust is uniquely qualified to handle the administration of your family, corporate or institutional trust, asset custodial services and estate settlement. Our experienced trust managers have the discretion and expertise to manage your assets wisely and carry out the terms of your trust responsibly. With individualized attention and access to a wide range of resources, you can be assured of impartiality, financial security and the ongoing value of your estate or endowment. We work closely with other Argent divisions to provide additional investment, accounting and tax expertise. We administer all types of personal and institutional trusts, including living trusts, life insurance trusts, gifting trusts and charitable trusts. Our full spectrum of administrative services includes investment management, custody services, real estate management, tax services, payments, distributions and estate planning.
We provide all functions of political subdivision financial management, with services ranging from paying agent and registrar services for bond issues to cash management and reserve fund investment management services. For companies seeking to establish retirement plans, we provide expertise and service for 401K, IRA, Profit Sharing, Defined Contribution and Defined Benefit Plans. To speak with an Argent Trust representative in more detail about our Trust Services and Retirement Plan offerings, contact us or call in Louisiana at (318) 673-1920 or in Tennessee at (901) 767-3103.
Trust Services
Living Trust
Revocable or changeable trust. Assets are consolidated on one statement with money management. Life Insurance Trust
An irrevocable trust designed to avoid having the death benefit proceeds of a life Insurance policy included in an individual's estate Gifting Trusts
Used to pass assets to children, grandchildren or other beneficiaries under the annual gifting limit Credit Shelter Bypass
Allows spouses to take full advantage of the unified credit equivalent (the amount of assets that can transfer free of estate taxes) Charitable Trust
Allows you to give assets to a charity and qualify for an immediate tax deduction while also providing an income stream
Retirement Plans
401K
401K plans are profit sharing plans that allow employees to contribute pre-tax dollars through payroll deduction. Employers may contribute matching and profit sharing contributions up to 25% of total eligible compensation. Recommended for single-employee businesses to very large employers.
Simple
401K-type employer sponsored plan in which all deferrals and the employer contribution are deposited in a Simple IRA for each employee. This is recommended for smaller employers. IRA
Both Traditional IRA and Roth IRAs are available.
Profit Sharing
The profit sharing plan allows a maximum contribution of 25% of total eligible compensation, with the allocation based on the eligible employees' compensation. This is recommended for highly compensated professionals and employers with smaller workforces.
Money Purchase
This is a defined-contribution plan with a contribution rate specified in the plan document. Prior to recent law changes, this type of plan was often paired with a profit sharing plan. The maximum contribution is 25% of total eligible compensation.
Defined Benefit Plan
Argent may serve as Trustee/Investment Manager.
* Argent Trust is the brand name for our trust services offered by our two trust company subsidiaries: National Independent Trust Company (NITC) and Investment Counsel and Trust Company (ICT). NITC is a national bank regulated by Office of Comptroller of Currency. ICT is a Tennessee state chartered trust company regulated by Tennessee Department of Financial Institutions. Please contact an Argent Advisor or trust officer to determine which trust company subsidiary is best for you. | 
