Separately Managed Accounts

Attain your goals with a portfolio created to help meet your specific needs.

At Citizens Bank & Trust, you work with a Portfolio Manager who helps you determine your objectives for asset growth, income, principal protection and tax minimization. Throughout this process, and at your request, we consider your estate plan, family needs and tax considerations as well as maintaining a traditional focus on liquidity and considerations of risk and return.

Goal-Based Financial Planning

To help determine an appropriate asset allocation of your Portfolio, your Portfolio Manager may use proprietary software tools to analyze information personal to you and develop a corresponding investment allocation recommendation.

Though each portfolio is structured with the client in mind, all portfolios managed by Citizens Bank & Trust share specific traits:

• Only quality securities
• Ongoing monitoring of portfolio holdings
• Securities appropriate to your stated risk tolerance

Exceptional Research Resources

Your Portfolio Manager draws upon extensive research resources. Our equity selection process is backed by nationally respected, equity, economic and credit research teams.

How our research resources benefit you:

• Your Portfolio Manager receives unbiased, objective analysis
• Analysts' interests are aligned with yours
• Our research is free from investment banking conflict of interest because we do not underwrite equity securities

The Citizens Bank & Trust Difference

Your Portfolio Manager listens to you. Your plans and objectives become the basis for a portfolio that is designed for your particular needs. We can accommodate any special considerations you may have, including single stock or sector concentrations. If your objectives go beyond investments, we have exceptional services to meet other financial needs: trust and estate planning services, banking, lending and retirement services.