Investment Advisory Services

We offer investment consulting using multiple managers and perspectives.

Challenges for Affluent Clients

You and your family face a number of challenges. You're looking for sound investment advice from advisors you feel you can trust. Rather than prepackaged products, you need access to quality investment solutions founded on your unique situation. And you need help in developing a coordinated financial plan that seeks to address your total wealth picture and changing needs over time.

Enter Citizens Bank & Trust. Our Advisors strive to serve you with the highest levels of excellence, expertise and integrity.

As one of the strongest providers of multimanager services in Polk County our research is designed to identify potential manages for you in optimized combinations. With our manager-of-managers approach, you achieve asset allocation and diversification which can reduce investment risk and increase the probability of your meeting your long-term financial objectives.

We work with your advisors, such as attorneys, accountants and other financial advisors, becoming part of a larger collaborative effort to address your investment, trust, custody, and estate and tax planning concerns, providing a more panoramic perspective for your financial situation. Additionally, your fees likely would average significantly less than stated outside investment management fees, and you would have access to managers probably not otherwise available to you on a single-account basis.

A Distinguished Approach

Your financial goals are at the center of our approach to your financial management. A unified program to manage your financial situation comes from a focus on your needs, initiated by:

• Acquiring a clear picture of your objectives
• Designing your Investment Policy, which serves as the blueprint for your plan
• Implementing your program
• Monitoring and reviewing performance, risk, compliance and any new personal developments you share with us that might affect your Investment Policy and long-term objectives
• Continually evaluating your risk-reward profile

Because you want to preserve and enhance your wealth now and in the future, communication is the key to our relationships. Detailed quarterly consolidated reports chart your investment performance against your objectives, along with face to face contacts with our Trust Officer at your request.