ONLINE BANKING

 

Financial Newsletters

 

February 2018

  • 2017 Market Recap
  • The Market in Action
  • Money in the Trash

January 2018

December 2017

Investment Services for Personal and Business Customers to Help Shape Their Future

What do you want to provide for yourself, your family, or your business?

 

At Citizens Investment Services, we take the time to get to know you in order to understand, and help you clearly define, your investment goals. No matter your age or situation, we will assist you through the planning process and develop investment strategies to help you work toward your future needs. Contact us today at 262-363-6571 or stop by our office in our Vernon branch, located at W236 S7050 Big Bend Drive, near the intersection of Hwy164 and National Avenue, just north of Interstate 43. We are also available to meet with you at any one of our branch locations.

Existing customers can sign in to the LPL Account View site to view their portfolio.

 

Our services

  • Financial Planning
  • Mutual Funds
  • Stocks and Bonds
  • Fixed and Variable Annuities
  • Tax-Advantaged Investments
  • IRA Rollovers
  • Life insurance
  • Retirement Plans
  • College and Educational Funding

The importance of an annual review

The continued pursuit of success requires an ongoing review of your financial situation and the strategies you have in place. We provide no obligation financial reviews as needed, providing an opportunity to continually access your strategies throughout the seasons of your life.

BrokerCheck BrokerCheck

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

The investment products sold through LPL Financial are not insured Citizens Bank deposits and are not FDIC insured. These products are not obligations of Citizens Bank and are not endorsed, recommended or guaranteed by Citizens Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

Citizens Bank and Citizens Investment Services are not registered broker-dealers nor are they affiliated with LPL Financial.

LPL Branch Office located at W236 S7050 Big Bend Drive, Big Bend, WI.

The LPL Financial registered representative associated with this site may only discuss and/or transact securities business with residents of the following states: Wisconsin.

 

Guided Wealth Portfolios

Start Investing for Your Future Today

Invest for your future with our new online platform that combines the benefits of a personal financial advisor with sophisticated technology. You still get the Citizens Investment Services experience and expertise, but with the added convenience and transparency of an automated investing solution. Guided Wealth Portfolios (GWP) provides you personalized, objective investment advice through an online platform with 24-7 access to your accounts.

While other digital investing solutions, or robo advisors, offer online investment management, most don’t include a direct personal relationship with a dedicated financial advisor. With GWP, we’ll be your personal advisor, dedicated to you and your goals, helping to guide you through the investing process. Our Guided Wealth Portfolios service offers:

  • Personalized planning, service, and advice: The path to your financial goals is personalized for your specific stage in life, and will change as your life changes. If you ever have any questions, your advisor is only a phone call away.
  • Intuitive, intelligent technology: See your GWP accounts in one place, open new accounts, view your portfolio, and make updates via your personal portal. The technology makes the process fast and easy.
  • Advanced wealth management at a lower cost: We can implement your personal roadmap using proven investment techniques. Receive allocations designed for you and your savings goals, and benefit from trading techniques that may increase diversification and can help reduce taxes.

Whatever your retirement goals, we can help you.

 

Intelligent Investing

Guided Wealth Portfolios offers investment management designed to protect your portfolio against volatility and help you pursue your financial objectives. By investing with us, you receive:

  • Personalized roadmap – Based on your goals, investing time horizon, and risk preferences, you’ll receive an investment allocation and roadmap designed to help you pursue your objectives. As you get closer to retirement, your allocations will gradually change.
  • Holistic advice – By considering your retirement objectives and investments, our analysis allows you to work toward your investment goals.
  • Tax-efficient investing – Through advanced asset analysis, we’ll allocate your assets in a tax-efficient manner, and evaluate the tax impact of each trade before it goes through.
  • Consistent monitoring – Your portfolio is monitored daily, keeping it on track as markets move, and rebalancing it as needed.
  • Tax-loss harvesting – If an investment experiences a loss, we may sell it to offset taxable gains in your portfolio. The investments sold are replaced by similar investments to maintain your asset allocation, so you get tax benefits while keeping a properly diversified portfolio.
  • Financial advice – We’re available if you have a question about your account or investing strategy.

 

Start Today

To get your dynamic proposal and start investing for your future today, go to www.lplguidedwealth.com/advisor/citizensinvestmentservices.

 

Guided Wealth Portfolios (GWP) is a centrally managed, algorithm-based, investment program sponsored by LPL Financial LLC (LPL).  GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. FutureAdvisor and LPL are non-affiliated entities.  If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL or FutureAdvisor, LPL and FutureAdvisor are not affiliates of such advisor. Both LPL and FutureAdvisor are investment advisors registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC. 

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.

Bond Market Perspectives

"Managing Interest Rate Risk" | February 20, 2018

"Yield curve positioning and proper diversification remain prudent strategies to manage interest rate risk."

"Why Own Bonds?" | February 13, 2018

"With rising rates making high-quality fixed income more attractive, many fixed income investors may be asking, why own bonds?"

"Will Yields Keep Rising?" | February 6, 2018

"Yields have started 2018 off on a volatile note, which has been somewhat painful and disconcerting for fixed income investors."

“The Fed Is Moving Forward” | January 30, 2018

“Jerome Powell will take over as Fed chair on February 3 and may continue the path of data-dependent, gradual rate hikes laid out by his predecessor, Janet Yellen.”

"Bond Market Not Stressing About Higher Yields" | January 23, 2018

"Treasury yields have seen a significant increase since early September 2017, but credit markets aren’t showing any signs of stress."

 

Weekly Market Commentary

“Out of the Woods?” | February 20, 2018

“Are we out of the woods yet?”

“Correction Perspectives” | February 12, 2018

“After an extraordinary two-year period of market calm, the major U.S. equity markets slipped into correction territory last week.”

“Melt-up or Melt-down?” | February 5, 2018

“Friday’s sharp stock market decline might have led us to forget that just a few days ago many claimed the stock market was melting up.”

“Records, Risk, and Returns” | January 29, 2018

“The recent lack of volatility in the U.S. stock market has been historic on many levels.”

“Fourth Quarter Earning Season: Off to a Good Start” | January 22, 2018

“We expect a solid fourth quarter earnings season and believe a 14–16% year-over-year increase in S&P 500 earnings is achievable.”

 

Who is LPL Financial?

LPL Financial

LPL Financial is one of the nation’s leading financial services companies and largest independent broker/dealer*

Formed in 1989 through the merger of two small but successful brokerage firms, Linsco (established in 1968) and Private Ledger (established in 1973), LPL Financial is one of the United States’ largest organizations of independent financial advisors. LPL Financial currently maintains headquarters in Boston, San Diego and Charlotte, servicing more than 14,000 advisors in over 6,100 independently owned and operated offices nationwide.

LPL Financial is built on the premise that achieving your financial goals depends on unbiased financial advice, timely research and easy access to the investments and services that address your specific needs.

 

Setting a Higher Standard for Unbiased Financial Advice

LPL Financial has no proprietary products of its own, so LPL Financial advisors concentrate their energies on understanding your individual financial goals and offering objective solutions to meet the challenges of wealth accumulation, management and preservation.

 

Leveraging Independent Research

LPL Financial advisors receive guidance and recommendations from a team of seasoned investment professionals and enjoy instant access to leading information and resources. With no investment banking relationships, LPL Financial Research focuses on providing unbiased, client-centered analysis of the capital markets and their underlying securities.

 

Capitalizing on Technology

LPL Financial has revolutionized the way financial information is delivered and provides advisors with a solid, state-of-the-art technology platform dedicated to your success.

LPL Financial remains committed to leading the independent brokerage industry. We continue to set the highest standards in every aspect of supporting our advisers so they can help you realize a new standard for your financial future.

 

LPL Financial Key Facts

  • #1 independent broker/dealer in the nation*
  • Over $4.2 billion in revenue**
  • Over 14,000 affiliated financial advisors nationwide
  • Over 6,200 branch offices
  • Service to over 750 financial institutions
  • Over 3,400 staff with headquarters in San Diego, Boston, and Charlotte
  • Over $475 billion in assets as the broker/dealer of record**
  • Over $187 billion in fee-based platform assets**

* As reported by Financial Planning magazine, June 1996–2015, based on total revenues.
** As of September 30, 2015.