Investment Management

Personalized strategies designed around your goals

At Citizens Investment Services we believe your financial strategy should reflect your unique goals, and we are committed to tailoring your investment strategy to fit them precisely. Working through Cetera Investment Services, our professional advisors work with your to create a personalized investment strategy built around your goals, time horizon, and comfort with risk.

We take time to understand what matters most to you. By learning about your financial position, priorities, and long-term objectives, we can design an investment approach that supports your needs today and adapts as your life changes.

Our process beings with a thorough review of your financial picture, including income needs, risk tolerance, tax considerations, and long-term goals. For there, we develop an investment statement that serves as a clear roadmap for your portfolio. This helps guide investment decisions, set expectations, and establish an ongoing review process.

Once your strategy is in place, we construct a diversified portfolio designed to align with your objectives. We continue to monitor your investments, review performance, and communicate with you regularly—making adjustments as needed to stay aligned with your goals and changing market conditions.

Investment Solutions

Citizens Investment Services provides access to a broad range of investment options through Cetera Investment Services. Whether your priority is growth, income, or capital preservation, we help identify strategies that fit your financial objectives. We review a broad range of investment opportunities, including:

Alternative investments
Separately managed accounts
Unified managed accounts
Discretionary managed accounts
Wrap accounts
Structured products and options
Traditional investments, including equities, fixed income, mutual funds, annuities, and ETFs

We focus on investments that match your objectives, time horizon, and comfort with risk. Our team performs ongoing due diligence and research on investment managers, product offerings, and market developments to help you make informed decisions. Each portfolio is designed with your specific situation in mind, and we work with you to adjust your strategy as your needs evolve. We emphasize communication and transparency—so you understand your investments, your plan, and the reasoning behind it.

Financial Planning

A successful financial strategy begins with a clear financial plan. Whether you are planning for retirement, building long-term wealth, supporting loved ones, or preparing a legacy, a thoughtful plan can help guide your decisions. Our comprehensive planning process includes:

Clarifying short- and long-term financial goals
Reviewing assets, liabilities, and cash flow
Understanding your risk tolerance and time horizon
Aligning investments with your personal objectives
Reviewing and updating your plan as circumstances change

As your life evolves, your financial strategy should evolve with it. We provide ongoing guidance and support to help you move forward with greater clarity and confidence.

401(k) Rollovers & Retirement Account Transitions

When you change jobs or retire, deciding what to do with your 401(k) can feel overwhelming. Leaving accounts behind with former employers often leads to fragmented retirement savings that are harder to manage and monitor.

Our 401(k) rollover services are designed to help you simplify and organize your retirement assets. By rolling over funds from a former employer’s plan into an IRA or other eligible retirement account, you may gain greater flexibility, broader investment choices, and more personalized guidance.

Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider the various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgements, required minimum distributions and possession of employer stock.

We help you:

Understand your rollover options, including leaving assets in your current plan or moving them
Evaluate potential benefits such as consolidation, simplified account management, and coordinated investment strategies
Align your retirement assets with your overall financial and income goals
Avoid common mistakes that could result in unnecessary taxes or penalties

Our advisors take the time to explain the process clearly and help determine whether a rollover makes sense for your specific situation. The goal is not just to move accounts—but to position your retirement savings in a way that supports your long-term plan and income needs.

Annuities

Annuities can be an important component of a retirement income strategy for some individuals. These products are designed to provide income—often for life—and can help address concerns such as market volatility or outliving your savings. Through Cetera Investment Services, we offer access to a range of annuity options, including fixed, variable, and indexed annuities. Depending on your needs, annuities may help you:

Create predictable income in retirement
Manage market risk
Provide financial support for beneficiaries

Annuities are not appropriate for every situation. We’ll help you understand how they work, review costs and features, and determine whether an annuity fits within your overall financial plan. Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. There is a surrender charge imposed generally during the first 5 to 7 years or during the rate guarantee period. Guarantees are based on the claims paying ability of the issuer.

Insurance

Insurance plays a vital role in protecting your financial well-being. It helps safeguard your income, your family, your business, and the goals you’re working toward. We offer access to a variety of insurance solutions through Cetera Investment Services, including:

Life insurance
Disability income protection
Long-term care coverage

Reach out to learn how our Wealth Management professionals can help you achieve your goals.

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

Check the background of this investment professional on FINRA’s BrokerCheck.