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Brokerage & Insurance

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The investment climate has never been more exciting or more challenging than it is today.  Now more than ever, customers of financial institutions demand professional advice and guidance, and require the ability to receive comprehensive products and services from a single entity.

To take advantage of all available opportunities, investors need two things:  1) an understanding of which investment products are most appropriate for their situation and  2) a relationship with a trustworthy representative who has a clear understanding of their needs.

By keeping clientsí objectives in focus, staying in contact with them throughout all market conditions and making investment adjustments as economic or lifestyle conditions warrant, we at Citizens Investments maintain a constant commitment to putting service first. 

As a full service brokerage office, we offer clients an assortment of quality, non-proprietary investments, including:

INVESTMENT PORTFOLIO ANALYSIS To keep you informed of how your investments are performing, and to make adjustments as needed.
RETIREMENT PLANNING To design an investment strategy to help you meet all of your retirement goals.
COLLEGE PLANNING Long-term planning to ensure youíre ready when your children are.
LIFE INSURANCE AND ANNUITIES Providing financial protection for your loved ones.
LONG-TERM CARE INSURANCE To ensure that you and your heirs are well cared-for.

Investment Portfolio Analysis

The enormous amount of information available to todayís investor means the big picture can be a bit overwhelming.  We can help you sort through the clutter, bring your investment goals into focus and design a portfolio to help meet them.

Our financial advice is based upon helping you create an investment portfolio to help work toward your goals, whether itís saving for retirement, a college education or buying a home.  We stay focused on the one thing that matters most; itís finding well-managed investments, one at a time, through intensive financial analysis and hands-on research.

Investment Advisory Services

We offer access to a comprehensive range of products and strategies that includes multi-strategy accounts and separately managed accounts.

Learn More

Strategic Asset Management

The Strategic Asset Management (SAM) account is a comprehensive, open architecture, advisory program created to allow the representative to deliver customized advice and exceptional service to clients. This platform serves to enhance the consultative process, as both you and your financial advisor work together to develop a plan to address your financial goals. A wide range of investment vehicles can be selected for these accounts, including stocks, bonds, no-load/load waived mutual funds, and options for an annual, asset-based fee.

Minimum Investment: $25,000

Optimum Market Portfolios

Optimum Market Portfolios (OMP) offer diversified asset allocation models, professional money management, and automatic rebalancing.  There are five standard asset allocation models, from aggressive growth to income with capital preservation.

Minimum Investment: $15,000

Manager Select

Manager Select is a separate account platform offering high-net-worth investors the ability to access professional, institutional portfolio managers at significantly lower account minimums.

Minimum account size for equity strategies: $100,000

Minimum account size for fixed income strategies: $250,000

Retirement Planning

A successful retirement is a dream shared by every working American.  Unfortunately, it remains just a dream for nine out of every 10 who find they do not have enough money to meet their retirement needs.

According to experts in Social Security Administration, in order to be successful in retirement, you will need at least 80 percent of the income you earned in your final working years.

We specialize in helping clients address their retirement goals by providing them the guidance they need to pursue the retirement of their dreams.  And we can help you do the same, through an investment strategy designed to meet your needs.

Individual Accounts

Small Business Accounts

Traditional IRA accounts 401 (k) Plans
IRA Rollover accounts Individual 401 (k)
Roth IRA accounts Sep- IRAs
  Simple- IRA
  Defined Benefit Plans

 

College Planning**

A 529 college savings plan is an investment account that allows you to set aside money for your childís education and let it grow tax-free.  These monies will not be taxed when you take it out of the account, as long as itís used for higher education.

You can use the money in a 529 plan at any accredited college or university in the country, public or private, graduate or undergraduate.  And it can be used for tuition, fees, room and board, books, supplies, and equipment.

We can help you decide if a College 529 Plan is right for you and guide you through Ohioís maximum contribution.

**As with all tax-related decisions, consult your tax advisor.  Withdrawals for expenses other than qualified education expenses are subject to income tax and an additional 10% penalty on earnings.  You should consider a 529 Plan's fees and expenses such as administrative fees, enrollment fees, annual maintenance fees, sales charges, and underlying fund expenses, which will fluctuate depending on the 529 Plan invested in and the investments chosen within the plan.  You should also consider the inherent risks associated with investing in 529 Plans such as investment return and principal fluctuation, which will also vary based on the investments made within the plan.  More information is available in each planís official statement.  The official statement should be read carefully before investing.

Life Insurance Annuities

Life insurance is one of the basic building blocks for financial security.  We offer a wide array of competitive products within our portfolio.  A continuous evolution of product design keeps our portfolio attuned to market trends.

As your personal and financial situation evolves, it is important that you are prepared to help meet your needs with adequate resources.  Knowing when, what type and how much life insurance you need will help you plan for an emergency or an unforeseen circumstance. 

The type of policy you need will depend on your objective, budget, and cash value accumulation goals.  Term insurance is usually more attractive when your life insurance needs are short term or when your budget is limited.  In contrast, permanent life insurance is more appropriate when your insurance needs are long term or if you need to accumulate cash values for lifetime needs.

Personal Insurance

Small Business Insurance

Annuities

Term Life Business Succession Planning Fixed
Variable Universal Life Key Person Insurance Immediate
Universal Life   Variable
Survivorship Universal Life   Indexed

Long-Term Care Insurance

Long-Term Care is an array of medical and support services for people with degenerative conditions (e.g. Parkinsonís), prolonged illness (e.g. cancer), a cognitive disorder (e.g. Alzheimerís) or anyone who is unable to perform two to three activities of daily living (e.g. bathing, continence, dressing, eating, toileting, transferring).  This assistance can be provided through a nursing home, home health care, an assisted living facility, or adult day care.

For more information, call 888-645-4121 or email.

 

 

Securities and advisory services offered through LPL Financial, member FINRA, SIPC and a registered Investment Advisory. Insurance products offered through LPL Financial or its licensed affiliates. The Citizens Banking Company and Citizens Investments are not registered broker/dealers and are not affiliated with LPL Financial. The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: AZ, CA, DC, FL, IA, IL, IN, MI, MN, MO, MS, NY, OH, PA, SC, WA & WY.