Planning Wealth, Your Way
Building wealth looks different at every stage of life. That’s why our advisors focus on what matters most to you — helping you protect today and prepare for tomorrow.
Growing Roots
Build a Strong Financial Foundation
Between mortgages, college savings, and retirement planning, your money has a lot to do. We’ll help you balance today’s needs with tomorrow’s goals.
Common Goals
- Create and follow a household budget
- Save for children’s education while building retirement funds
- Build emergency savings and reduce debt
- Plan for big milestones like buying a home
Roadblocks
- Unexpected expenses (repairs, medical bills, childcare)
- Balancing short-term wants with long-term savings
- Limited income growth in early career stages
Golden Years
Make the Most of What You’ve Saved
You’ve worked hard to build your nest egg. We’ll help you structure savings, Social Security, and income streams so you can enjoy more and worry less.
Common Goals
- Maintain a steady income throughout retirement
- Manage Social Security and pension benefits effectively
- Protect assets for heirs or charitable giving
- Simplify finances for peace of mind
Roadblocks
- Outliving assets or overspending
- Rising healthcare and long-term costs
- Market volatility impacting retirement income
Empty-Nesters
Plan Your Next Chapter
With the kids grown, it’s time to focus on your future. From paying off debt to maximizing contributions, we’ll help you turn possibility into progress.
Common Goals
- Retire early or transition into semi-retirement
- Pay off remaining debt before retirement
- Maximize retirement contributions and savings
- Explore lifestyle goals like travel, hobbies or giving back
Roadblocks
- Carrying mortgage or other debt into retirement
- Uncertainty about healthcare costs
- Balancing new lifestyle spending with savings priorities
Business Owners
Protect What You’ve Built
Exiting or passing on a business is both financial and personal. We’ll guide you through valuation, planning, and life after the deal — so your legacy continues.
Common Goals
- Determine accurate business valuation
- Create succession or transition plan
- Cover living expenses post-sale
- Protect wealth and provide for family
Roadblocks
- Complex tax implications during transfer or sale
- Lack of planning for life after ownership
- Family dynamics or heirs unprepared to inherit
- Difficulty separating business and personal finances
Trust & Investment Team
The Trust and Investment team at Croghan is dedicated to helping you manage your wealth with personalized strategies. We work closely with individuals and families to provide tailored investment solutions that secure long-term financial success.
Tracy Baughman, AIF®, CIMA®, ATFA
SVP, Chief Investment Officer & Wealth Department Manager
Diane Kamprath, CTOP™ CSOP™
VP, Senior Wealth Management Advisor
Nicole Smith, CRPC™
VP, Senior Wealth Management Advisor & Investment Coordinator
David Theiss, CPA, CFP®
VP, Senior Wealth Management Advisor & Financial Planner
Paul Wannemacher, CPA, PFS, CFP®
VP, Senior Wealth Management Advisor & Financial Planner
Leah Packard
Jr Wealth Advisor
Tonya Coleman
Wealth Operations Analyst
Leanna Lenke
Wealth Management Administrative Assistant
Monique Smith
Wealth Management Assistant
Important Legal Disclosures
*Investment products and services may lose value, are not a deposit, are not guaranteed by any financial institution, and are not FDIC insured or insured by any government agency.