About Us

Our division serves all Central National Bank locations with physical offices in Junction City, Topeka, Lawrence, Newton and Concordia.

Strength - Resilience - Dependability

 Our division serves all Central National Bank locations with physical offices in Junction City, Topeka, Lawrence, Newton and Concordia. Click for a complete list of Central National Bank branch locations.

Estate Planning & Trust Services

A successful financial plan requires a delicate balance of four essential parts: assets, beneficiaries, time and a knowledgeable team of financial professionals.


What investments do you want to preserve or accumulate for the future? What level of risk are you comfortable with?


Are your assets for use during your lifetime? Will there be enough to support a surviving spouse should something happen to you? Do you want to provide a legacy for children, grandchildren or a charity?


When will you need to have access to your assets? One year, 10 years, now...?

Financial Professionals

The first three pieces are continuously in motion as families and goals change. Working with a Trust Officer of the Wealth Management & Trust Services Division at Central National Bank provides a stable foundation on which all components can work together seamlessly. We provide an experienced staff of Trust Officers who are prepared to help you meet your financial goals.

Investment Options

Every investor is different, which is why Central National Bank offers a wide range of investment choices.

Guardian Account

The Guardian Account, our flagship account, offers access to a wide range of investment options and the comfort of knowing that your assets are actively managed by a team of financial professionals. Trades and reallocations are executed at the discretion of your personal Trust Officer to ensure that your Portfolio is on track to meet your financial goals.

Horizon Account

A first-class choice for clients who want an uncomplicated approach to investing. You will sit down with your Trust Officer who will help you determine which Portfolio Model best suits your needs! Our Trust Investment Committee, made up of our top investment professionals, tax professionals and experienced investors from the community, actively researches and analyzes our Portfolio Models. We make discretionary investment changes within each portfolio with the objective of outperforming the S&P 500.

Liberty Account

For the "hands-on" investor, the Liberty Account allows you to select a variety of investments to design an investment strategy that is personal to you. Although trades and reallocations are only completed with your consent, your Trust Officer is still looking out for you. We will notify you of any activity that may cause your portfolio to fall out of line with your investment objectives. We are reviewing your portfolio regularly to determine past performance and conduct risk assessments.


Retirement Plan Services

As people live longer, it is more critical than ever to have a reliable retirement plan in place. Whether you are starting to save for retirement, analyzing an existing plan or making the transition into retirement Central National Bank will provide you with sound retirement planning advice. It is never too early to start and it is never too late for a good plan. We offer services for Individual Investors and Employer Group Plans.


Farm Management

Tremendous changes in agriculture have occurred in the past few years and we continue to see change almost daily. These changes and the current economic situation have presented landowners with an immediate need for professional advice. Visit our farm management page for a list of the wide range of services we provide to our customers.

Farm Management