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Trust & Investment Management

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At Citizens Wealth Management, our clients, regardless of their financial situation, share the desire for a trusted advisor to help increase, protect and transfer assets.  We deliver sophisticated strategies to reach those goals, with every plan personalized to meet each client’s needs.  While our larger competitors may recommend a generic, off the shelf approach, our team strives to deliver comprehensive financial management tailored to each client’s goals and objectives.

Portfolio Management

With Citizens Wealth Management, you gain a trusted advisor who collaborates with your current tax and estate planning team to deliver the best solution specifically suited to your needs.  

Our “open architecture” investment platform features:

  • Competitive asset based fee
  • Institutional pricing on stock and bond trades
  • Access to best-in-class no-load mutual funds
  • Strategic asset allocation models
  • Investment management process that is both sustainable and repeatable
  • Easy to understand statements and Internet access to account information

Learn more about our GIPS Certification

Financial Planning

Your financial affairs are complex.  As one area of your financial situation changes, it directly impacts others.  We’ll perform a thorough analysis to create your complete picture while supporting your goal with personalized service and a plan tailored to your lifestyle.  

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Some of the issues we may address for your financial plan are:

  • Cash/debt management
  • Education funding
  • Stock option analysis
  • Life and disability insurance analysis
  • Investment plan review
  • Retirement planning
  • Estate planning
  • Charitable Giving
  • Gifting to children/descendents
  • Executor or Trust administration
  • Business Succession Planning

Trust and Estate Administration

A trust is an effective tool for managing your assets during your lifetime and for the benefit of your loved ones after you are gone.  A trust ensures that your assets will be managed in the future according to your wishes, as well as providing significant tax advantages to help preserve those assets in the present.  

Our Service Commitment

As your executor, we ensure that your instructions will be scrupulously carried out and your beneficiaries will receive committed, personal attention throughout the administration of your estate.  

Our dedicated staff will manage cash and securities, including any business, real estate, or other special investments.  We are even prepared to help beneficiaries revise their own financial plans once the assets have been distributed.

Above all, family members can count on us to listen carefully, to explain complicated settlement procedures, and to be present every step of the way as special arrangements are made and carried out.

We can also, as your agent, assist you with settlement of another person’s estate.  As Executor, you can retain the decision-making responsibilities but we will perform most of the administrative and asset management tasks.

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We can provide:

  • Local Administration
  • Continuity of service
  • Professional, accurate record keeping
  • Bill payment, if desired
  • Management of your financial affairs, if necessary
  • Reduction in expenses to settle your estate
  • Opportunity to save estate taxes

An important part of your estate plan is selecting a representative to settle your affairs according to your intentions.  We can take on all of the responsibilities, including:

  • Locating, protecting and valuing assets
  • Paying debts and expenses
  • Tax planning, including arranging for the preparation of the estate tax return
  • Distributing property according to your wishes

Foundation & Charitable Endowments

At Citizens Wealth Management, our team will provide personalized administrative and investment management services for Private Foundations, Endowments, and Charitable Institutions.  

We use a consultative approach and offer a wide range of services to meet the unique needs of individuals, families, charities, churches, endowments, and not-for-profit organizations. Our investment managers will tailor an investment strategy specifically to the unique requirements of your organization to ensure that charitably designated funds and endowments provide a lasting legacy for our community.  

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Some of the services we offer include:

  • Portfolio management for short, intermediate and long term goals
  • Continuous monitoring of your investment objective
  • Regular face-to-face meetings to review investment performance
  • Safe, secure custody of your assets
  • Easy to understand statements and Internet access to account information
  • Distribution management
  • Cash flow analysis
  • Tax planning and compliance
  • State and federal reporting

With our years of experience we can help streamline financial operations, maximize cash flow, manage risk and achieve the investment objectives that will allow charitable organizations to carry out their given mission.

Guardianship & Special Needs Trusts

Court-ordered guardianships protect the estates of those who are unable to handle their own financial responsibilities, typically children or disabled adults.  A financial guardian is responsible for managing all assets in a prudent manner.

Enjoy the peace of mind that results from a responsible and sensitive provider.  As an impartial and experienced provider, Citizens Wealth Management will handle all financial responsibilities.  

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We will:

  • Pay all bills and ongoing expenses
  • Determine overall cash flow requirements and living expenses
  • Establish a monthly budget
  • Coordinate medical insurance filings and expenditures for medical equipment
  • Arrange for preparation of state and federal income tax returns
  • Invest and manage all assets, including real estate

For more information, call 888.645.4121 or email ksdailey@citizensbankco.com

Trust services offered by The Citizens Banking Company.