Wealth Management
Investor Services
Because our customers’ needs often reach beyond banking services and products, we have made arrangements with Capital Investment Group, Inc. to give you access to a number of other financial services and products.
Securities Brokerage/ Insurance
Capital Investment Group, Inc. is a registered broker/dealer and a member of the Financial Industry Regulatory Authority (FINRA). It is also licensed to provide insurance products and services in North Carolina and other states. Through our registered representatives, Rick Gardner, Bill Muncy, and Skip Watkins, Capital provides securities brokerage and insurance products and services to a growing group of families in the Triangle, Sandhills, and Wilmington. Capital and Crescent State Bank are separate entities; Capital is not affiliated with Crescent State Bank.
About the Team
Rick Gardner has been serving clients as a Financial Advisor since 1996. His practice serves clients from across the country, but is focused primarily in North Carolina. In addition to his General Securities License he also is a licensed RIA. He holds licenses in Life, Disability, Health and long-term care insurance. Rick hosts Your Financial Game Plan with Rick Gardner on 620 The Buzz every Saturday morning from 7:30 am – 8:00 am. The show began in 2011 and gives general financial planning advice.
Rick’s formative years were spent in Greensboro, NC. He attended Page High School and it was there that he met his future wife Jen, in 9th grade English. He attended Wake Forest on a Football Scholarship and during his time in Winston-Salem he was a three year starter at defensive end. He was a member of the 1992 Independence Bowl Championship Team and was named to the ALL -ACC Academic Team. He graduated from Wake’s Calloway School of Business with a degree in Business and Finance. He remains active with Wake Forest as a Board member of the Deacon Club. He and his wife Jen have three children Avery 11, Jackson 8, and Wyatt 2 years. Please contact Rick by e-mail at rgardner@crescentstatebank.com, or by calling 919-881-1641.
Bill Muncy has over 30 years of experience as a registered financial advisor. He graduated from Washburn University, BBA. He was a member of Sagamore Honor Society and Who’s Who in American Universities. Bill is associated with Crescent State Bank serving Pinehurst, Southern Pines, and Sanford offering wealth management services including investment securities and insurance. Bill resides in Pinehurst, NC with his wife Rebecca. Please contact Bill by e-mail at bmuncy@crescentstatebank.com or by calling the bank number, 910-295-9993 or his cell at 910-315-8660.
Skip Watkins has been in the financial services industry since 1990. He started with PFS Investments then worked with Wachovia Securities before joining Capital Investment Group. He earned his Bachelor’s of Science in Business Administration and MBA from the University of North Carolina at Wilmington. Skip and his wife Valerie have two children. He volunteers with the NC Azalea Festival and the Cape Fear Fair and Expo (agricultural fair) as Fair Manager and serves on the Board of Directors. Skip is Past President (2007) of the NC Association of Agricultural Fairs, having served on that Board for thirteen years.
Skip believes in cultivating lifetime client relationships based on open two way communication. In addition to providing typical investment and insurance services Skip also works with businesses by helping provide tax benefits through building depreciation acceleration using Cost Segregation Studies. Skip also helps provide the full range commercial insurance needs to businesses. Please contact Skip by e-mail at skipwatkins@crescentstatebank.com, or by calling 910-344-0052.
Portfolio Securities
Capital offers a broad array of securities and other non-bank products to meet the needs of clients’ financial portfolios. Their products include, among others: common and preferred stocks, corporate bonds, municipal bonds, mutual funds, derivatives (options), real estate investment trusts (“REITs”), fixed and variable annuities, and U.S. government and government agency instruments.
Capital offers no proprietary products, and therefore they are able to assure clients that they have no incentive to recommend anything other than that which is in the client’s best interest, given their financial profile, goals, risk tolerances, and time horizons.
Asset Allocation
Diversity and patience are the keys to investor success. In other words: once you have settled on an investment approach, spread whatever risk there is around. Then be patient, stick with the plan, and let the market do what it has historically done over time.
The most successful investors will share truthfully their financial big picture with a trusted, professional advisor. Like an internist, the advisor can then seek to prescribe the right “medicines and dosages” to achieve the desired results with a minimum of “side effects.”
Complete Trading Services
From our registered representatives’ desktops, stocks and mutual funds can be bought or sold. A quick phone call to the bond trading desk provides current bond offerings available at that time.
Online Brokerage Account Access
Fill in a form with your account numbers and internet information for access to your brokerage accounts from your computer. Once your form has been processed, you will be e-mailed your PIN to gain access to view that information anytime you like.
Estate Planning
Do you have an up-to-date estate plan? That’ll be one of the first questions asked when discussing with you the disposition and taxation management of your estate. If you haven’t taken care of this important matter, please consult your attorney now.
If you don’t want the State in charge of who gets what, or if you do want your family to go through this difficult transition without unnecessary pain, burden and expense – then have an estate plan.
Capital’s registered representatives will work with your attorney and professional tax advisor to position you now for minimizing taxes and difficulties for your family, at that time when they will be facing so many new challenges.
Additional Financial Services
Capital also offers clients access to sophisticated financial, insurance, and estate planning services, and many other specialized financial services and products, including:
- Individual Retirement Accounts
- Trust Accounts and Services
- Wealth Management Platforms
- Securitized Real Estate for 1031 Exchange
Crescent State Bank does not sell or provide securities management, investment advisory, broker/ dealer, or annuity and insurance products or services. Capital Investment Group, Inc., is a separate entity and is not affiliated with Crescent State Bank. These securities, investment, and insurance/ annuity products and services are not FDIC Insured; are not deposits or other obligations of, and are not underwritten or guaranteed by, Crescent State Bank; they are subject to investments risks, including fluctuations in market value, possible loss of the principal invested, and interest rate risk. These products and services are unrelated to and are not a condition to or term of any banking service or annuity.
