Trust & Estate Services
Helping you protect what matters—today and for generations to come
For over 140 years, Citizens Bank & Trust Company has been a trusted partner in our community. As such, our Wealth Management professionals continue this commitment by preserving, protecting, building, and transitioning wealth for individuals, families, and business owners. Whether you need help administering a trust, settling an estate, or protecting assets for future generations, our team is here to guide you every step of the way.
Personal Trust Administration
Planning for the transfer of your estate is one of the most important financial steps you can take. Establishing a trust can be an effective way to manage and distribute your assets according to your wishes.
Trusts can serve many purposes—from providing for loved ones and causes you support, to avoiding probate delays and potential tax consequences. With proper planning, a trust can help preserve assets, reduce uncertainty, and ensure a smoother transition of wealth to your beneficiaries.
Choosing the right trustee is critical. Our Wealth Management team has the experience and resources to administer your trust with care, diligence, and integrity. We understand that trust planning is deeply personal, and we work alongside your legal and tax advisors to help ensure your trust strategy fits your overall plan.
For a more in-depth overview of our services, explore our Personal Trust & Wealth Management Guide
Estate Settlement
Settling an estate can be both complex and emotional. Your family deserves the support of an experienced, impartial professional during this time.
Citizens Bank & Trust can serve as executor or co-executor of your estate, managing the administrative responsibilities so your loved ones can focus on what matters most—family and healing. Our team ensures that your estate is administered properly and that assets are distributed according to the terms of your will.
Planning for Your Special Needs Child’s Future
Parents of children with special needs face unique planning challenges. At Citizens Bank & Trust, we are committed to helping families create long-term plans that protect their child’s financial security and quality of life. We provide expert guidance to answer critical questions like:
- Who will take care of my child when I can no longer do so?
- How can I provide an inheritance without disqualifying my child from essential government benefits?
Custodial & Managed Agency Accounts
Custodial and managed accounts provide fiduciary services without transferring ownership of assets to a trust. In these arrangements, assets remain titled in the owner’s name (the “principal”), while the Bank acts as an agent.
Custodial agency services
Offers safekeeping of assets, income collection, periodic reporting, and disbursements according to your instructions.
Managed agency services
Offers all custodial services, along with investment management and tax recordkeeping.
Ready to start planning? Contact our Wealth Management team today.
Ways our Wealth Management team serves you:
- Asset & Wealth Management
- Financial & Estate Planning
- Investment Management
- Retirement Planning
- Risk Management Strategies
- Trust & Estate Services
- Corporate Trustee Services