Families have many personal and financial goals, from saving for a child’s education, to planning for retirement, to caring for an aging family member. FNB’s wealth management services has many tools to draw from to help families achieve their goals.

Bridging financial planning and asset management, our wealth management services provide a comprehensive approach to helping individuals and families reach their financial goals.

Our process involves understanding our customers and their goals, evaluating where they are in relation to where they want to be, and implementing a plan to achieve those goals. We recognize that as our customers change through different phases of life, plans need to change with them. Our financial advisor is there each step of the way to provide personalized advice to each unique situation.

Example services: comprehensive financial planning, portfolio construction and management, investment advisory services, life, disability income, and long-term care insurance planning, retirement planning, rollover IRAs, educational planning, estate planning, charitable gift planning, and more.


Like the saying goes, a business is only as good as its employees. A key component of business success is attracting and retaining quality workers. Corporate retirement plans are one of the best ways to attract employees and to show them that they are valued and that their work is appreciated.

From small businesses and family farms to large corporations and local government units, our team provides employer-sponsored retirement plans with a personal touch. Our process involves meeting with the employer to determine the best retirement plan fit and with the employee, giving them one-on-one financial planning services. We believe this service model enhances the employer and the employee experience by helping attract and retain employees, while helping them meet their financial goals.

Example plans: Simplified Employee Pension (SEP) IRA, Simple IRA, 401(k), 403b, and 457 plans.


The purpose and mission of trusts, endowments, foundations, and corporations are unique to themselves – and their plan should be too. Our process involves working with investment committee members and institutional personnel to develop an investment policy, portfolio, and process that is tailored to the needs and goals of the institution.


Whether you are young and just starting out or have a large multigenerational family, you have worked hard to achieve your goals. Utilizing insurance to manage risks associated with life’s unexpected events can help you to retain all that you have worked so hard for. We believe that risk management is an important part of all comprehensive financial plans. For individuals and families, we offer insurance products such as life, disability income, annuities, and long-term care insurance. For group benefits plans, we offer group life, group disability, and group health insurance.



We have locations at our Fairfield, Wayne City, and Grayville branches. Ask about our services by contacting one of our Financial Advisors.


Luke Harl headshot


Josh Combs Headshot


Luke Harl

Phone: 618-842-2107
Email*: lharl@fnbassetmanagement.com





Josh Combs

Phone: 618-842-2107
Email*: jcombs@fnbassetmanagement.com


*Please remember that confidential information should never be emailed.

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FNB Asset Management is a division of Fairfield National Bank (FNB). Securities are: not insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested. Securities, Insurance, and Investment Advisory Services are offered through Midwestern Securities Trading Company, LLC. Member FINRA/SIPC. MSTC and FNB are not affiliated.