Financial & Estate Planning

Financial confidence through thoughtful planning

All financial goals—big or small—start with a plan. Citizens Investment Services is here to help you build one that fits your life today and adapts as it changes. Whether you’re just getting started, growing your wealth, or preparing for retirement, our Wealth Management professionals work with you to create a personalized plan that supports you, your family, or your business—so you can move forward with confidence.

Investment Planning

You have goals for yourself, your family, or your business—and investing can help you reach them more efficiently. At Citizens Investment Services, we provide access to a broad range of investment solutions through Cetera Investment Services and help you build a strategy aligned with your risk tolerance, financial position, and long-term priorities. Your investment plan may include:

Portfolio Construction – A diversified mix of investments, such as stocks, bonds, mutual funds, and annuities
Asset Allocation – A strategy designed around your time horizon and comfort with market fluctuations
Ongoing Rebalancing – Periodic adjustments to help keep your portfolio aligned with your goals
Regular Reviews – Updates to your plan as your life, goals, or market conditions change

Disciplined investment management and personalized guidance can help support your financial goals at every stage of life.

Retirement Planning

After years of working and providing for your family, retirement should be a time to enjoy the life you’ve built. With rising costs and longer life expectancies, however, Social Security or a pension alone may not be enough. A clear, well-structured retirement plan can help you prepare with confidence. Key questions to consider include:

How much money do I need to start a plan?
What do I want my retirement lifestyle to look like?
When do I want to retire?
How will I balance my short- and long-term goals?
What income will I receive from Social Security or a pension?
Will I still have a mortgage, or will my home be paid off?
What will my typical monthly expenses be?
Will I need to pay for health insurance, or will Medicare apply?
Do I have accessible savings for unexpected needs?
Will my savings last with regular withdrawals?
Will my spouse be financially secure if I pass away?
What legacy would I like to leave behind?

With the right retirement income strategy, you can balance long-term growth, ongoing income needs, and unexpected expenses. Retirement planning can begin at any stage of life—contact us today to discuss your options.

Education Planning

The cost of higher education continues to rise, making early planning more important than ever. For the 2025-26 academic year, average annual costs are estimated at $25,850 for an in-state public university, $45,780 for out-of-state students, and $60,920 for private institutions, according to The College Board.[i] There are several ways to save and invest for future education expenses. With a thoughtful plan, you can help make education more affordable while still staying on track with your other financial goals.

Risk Management Planning

Protecting what you’ve built is an essential part of any financial plan. Insurance solutions—such as life insurance, disability income coverage, and long-term care insurance—can help safeguard your income, assets, and family’s financial security. Through Cetera Investment Services, we offer access to a range of insurance options designed to help manage life’s unexpected risks. Consider questions such as:

How would my family manage without my income?
Am I prepared for a long-term illness or disability?
Could my household cover ongoing expenses if something happened to me?
Is my business adequately protected?
What would an untimely death, long-term illness or disability do to my estate?

Integrating insurance into your financial plan can help reduce financial disruptions and protect your long-term goals.

Estate Planning

Estate planning is about more than distributing assets—it’s about protecting your family, preserving your legacy, and ensuring your wishes are honored if you become unable to make decisions. A comprehensive estate plan may include:

Instructions for your care in the event of incapacity
Guardian designations for minor children
Planning for family members with special needs
Charitable giving goals
Business succession strategies
Regular reviews to reflect changes in your life, finances, or the law

When you work with Citizens Investment Services, you gain access to a full Wealth Management team committed to helping your plan with clarity and purpose. Ready to start planning today? Contact us today to being a conversation about your financial future.

Ways our Wealth Management team serves you:

Cetera Investment Services, LLC is an independent registered broker/dealer, member FINRA/SIPC.

Citizens Investment Services is a marketing name of Cetera investment Services. Securities and insurance offered through Cetera Investment Services LLC, Member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera firms are under separate ownership from any other named entity.

Investments are: Not FDIC/NCUSIF insured | May lose value |Not financial institution guaranteed| Not a deposit | Not insured by a federal government agency.

Important Information and Form CRS and Business Continuity Plan. Investment Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit Cetera Investment Services LLC site at www.ceterainvestmentservices.com

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[*] Tuition and Fees and Housing and Food, “Trends in College Pricing and Student Aid 2025,” College Board, 2025.