Mechanics Investment Services

We specialize in helping our clients pursue their financial goals through a variety and full range of investment solutions. Through our association with LPL Financial1, you have access to registered financial advisors who will work with you to develop a strategy for all of your financial and investment needs.

Mechanics Investment Services offers:

  • Personalized needs analysis
  • Objective research
  • Independent investment choices and flexibility
  • Tax-advantaged investment options

To get started

Call 925.256.3038 or send an email


The most important step in retirement planning is getting started. It’s never too early, or too late to start saving for retirement. Whether you have existing accounts or want to open one for the first time, we have a solution to help you reach that goal.

Traditional IRA – tax-deferred growth, tax-deductible contributions2

  • The earnings on your contributions grow tax-deferred, until you withdraw them during retirement
  • IRA contributions may be tax-deductible during the tax year that you make them
  • Penalty-free withdrawals may apply for qualified first time home purchases and certain college expenses

Traditional IRA Investment Options

  • A wide range of investment options offering growth or income, including mutual funds, exchange traded funds (ETFs) and annuities, as offered through Mechanics Investment Services1
  • Certificates of Deposit3
  • Savings accounts3

Roth IRA – tax-free withdrawals during retirement2

  • Contributions come from your money that’s already been taxed, but earnings grow tax-free
  • Enjoy qualified tax-free withdrawals during retirement
  • Penalty-free withdrawals may apply for qualified first time home purchases and certain college expenses
  • Convert your Traditional IRA to a Roth IRA and enjoy qualified tax-free withdrawals during retirement4

Roth IRA Investment Options

  • A wide range of investment options offering growth or income, including mutual funds, exchange traded funds (ETFs) and annuities, as offered through Mechanics Investment Services1
  • Certificates of Deposit3
  • Savings accounts3

Simplified Employee Pension (SEP) IRA

  • If you own a small business or are self-employed, a SEP IRA may be a smart choice
  • Enjoy qualified tax-deductible contributions and qualified tax-deferred earnings growth
  • Higher contribution maximums than regular IRAs
  • Restrictions apply – consult your tax advisor before making any decisions

SEP IRA Investment Options

  • A wide range of investment options offering growth or income, including mutual funds, exchange traded funds (ETFs) and annuities, as offered through Mechanics Investment Services1
  • Certificates of Deposit3
  • Savings accounts3

Rollover IRA – convert and consolidate old 401(k)s and more2

  • Convert an old employee-sponsored retirement savings plan to a Traditional IRA
  • Take control of investment options; consolidate accounts for easier planning or tax filing
  • For those who have changed jobs or have an active retirement savings plan account with a former employer
  • 401(k), 403(b) or Governmental 457(b) plans are all eligible
  • Enjoy the same tax-deferred growth as in Traditional IRAs
  • Penalty-free withdrawals may apply for qualified first time home purchases and certain college expenses

Rollover IRA Investment Options

  • A wide range of investment options offering growth or income, including mutual funds, exchange traded funds (ETFs) and annuities, as offered through Mechanics Investment Services1
  • Certificates of Deposit3
  • Savings accounts3

IRA Transfer – move your existing IRA to Mechanics Bank2

  • Simplify your finances by moving existing IRAs to Mechanics Bank
  • Have a more complete view of your retirement savings plan by managing your accounts in one place
  • Simplify asset allocation and retirement planning
  • Take advantage of a wide range of investment options offered by Mechanics Bank3 and Mechanics Investment Services1

To get started

Call 925.256.3038 or send an email

Retirement IRAs


With the costs of higher education continuing to rise each year, a college savings plan is more important than ever. Discover the right tax-advantaged strategy to meet your savings goals for your child or grandchild.

College Education Savings 529 Plan1,5

Like a Traditional IRA, earnings grow tax-deferred until funds are withdrawn for qualified college education expenses such as tuition, fees, room and board, books and supplies.

  • No annual contribution limits (although some plans may have lifetime limits)
  • No beneficiary age restrictions
  • Anyone can contribute

Coverdell Education Savings Account1,5

Fund any level, starting with Kindergarten. Contributions are not tax-deductible, but like the 529 Plan, earnings accumulate tax-deferred.

  • A Coverdell ESA can be used to pay for a child’s elementary, secondary and higher education expenses
  • Earnings and distributions are tax- and penalty-free, provided the funds are used for qualified education expenses
  • Contributions are limited to $2,000 annually
  • Must be used by the time the beneficiary is 30 years old

To get started

Call 925.256.3038 or send an email

Education Savings


Understanding your unique needs and circumstances, risk tolerance, current portfolio and tax considerations, we create an approach to help you protect and grow your wealth over time. It’s a highly personalized, customized, and objective-driven process that can incorporate even your most unconventional assets.

To get started

Call 925.256.3038 or send an email

Learn more

Investment Management


For more than a century we’ve been helping Northern California families and businesses preserve and grow their wealth for future generations. Working with your legal and tax advisors we create a customized plan that meets your specific goals and objectives.

To get started

Call 925.256.3038 or send an email

Learn more

Trust and Estate Services


1.Deposit and loan products are offered by Mechanics Bank, Member FDIC and Equal Housing Lender. Investment management and trust services are offered by Mechanics Bank Wealth Management. Mechanics Bank Investment products are:

NOT FDIC INSURED
NOT BANK GUARANTEED
MAY LOSE VALUE

 


Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

NOT FDIC INSURED
NOT BANK GUARANTEED
MAY LOSE VALUE

 


Mechanics Bank is not a registered broker/dealer and is not affiliated with LPL Financial.
FINRA Broker Check
Always consult with your independent attorney or tax advisor before making any tax-related financial decision, or changing or implementing any financial, tax or estate planning strategy.

2. Limitations and restrictions may apply to IRA accounts. Withdrawals before age 59 ½ may result in a 10% early withdrawal penalty from the IRS, and other fees. Future tax laws can change at any time and may impact the benefits of any IRA account. Certain conditions apply to tax deductible qualifications of Traditional IRA contributions. Certain conditions apply to qualifications of tax-free Roth IRA distributions. Always consult with your tax advisor to consider any and all tax ramifications before making any investment decisions.

3. Savings Accounts and Certificates of Deposit are offered through Mechanics Bank and are fully insured by the FDIC to current limits.

4. Investors should consider the tax impact, age and income restrictions before converting a Traditional IRA to a Roth IRA. The converted amount is generally subject to income tax during the time of conversion. Consult with your tax advisor before making any decisions.

5. Limitations and restrictions may apply to various Education Savings accounts. Consult with your tax advisor to consider any and all tax ramifications before making any investment decisions.