Business Investing

As a business owner you’re constantly balancing the resources of time and money. Whether you have an established business or are just getting started, we’ll work with you to focus on key financial decisions that can help you protect your assets, assure the continuity of your business, and help you select and manage a retirement plan.

In your business, you’re probably concerned about how to attract and retain your employees. A significant benefit you can provide is a solid retirement plan. We offer a variety of retirement plans and programs for businesses and organizations of all sizes, including self-employed individuals. Looking to start a new plan or enhance an existing one? We can customize a plan to your needs, including Simple IRAs, SEP IRAs, and Individual/Group 401(k)s. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Citizens Investment Services nor any of its representatives may give legal or tax advice.

Investment Management

For your business investment and asset management needs, you have found the right source. With your business goals in mind, we help you maximize your returns on excess working capital or reserve cash. As your investment partner, we meet on a prescribed basis with you and your colleagues or board. Plus, we’ll continuously give you ideas about ways to achieve your objectives as the market, trends, and tax laws change so you can be sure your investment portfolio is consistently working the way you want it to. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Citizens Investment Services nor any of its representatives may give legal or tax advice.

Professional Asset Management

Your investment goals and needs are unique. With the help of an investment executive you can work toward reaching your objectives through a variety of personalized programs. Your investment executive will work with you to understand your needs, develop your own investment strategy, design your portfolio, implement your financial plan, review your portfolio on a regular basis and more.

A wide variety of customized programs exist but with an investment executive working on your behalf, you’ll have the strength and support you need to professionally manage your assets and work toward your long-term financial goals for a convenient quarterly asset management fee. Our asset management programs are sophisticated, flexible and competitive, providing you with a full array of features that include:

  • Minimum account size – as little as a $25,000 investment
  • Access to numerous investments
  • Mutual fund allocation modeling and active, ongoing management
  • Automatic rebalancing to help keep your portfolio properly diversified
  • No commission or sales charges on funds
  • Monthly statements and quarterly reports

The best time to talk about insurance is before you or your business needs it. We can show you all the products and services designed to give you the assistance and security you need, including:

  • Business overhead protection
  • Buy-sell funding
  • Disability income insurance
  • Executive deferred compensation
  • Key person life insurance
  • Long-term care insurance

 

Securities and insurance products are offered by Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered by Cetera Investment Advisers LLC. Neither firm is affiliated with Citizens Independent Bank or its related companies. Investments are: • Not FDIC insured • May go down in value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.

View Cetera Investment Services privacy policy and other important information.

Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Advisory services may only be offered by an Investment Adviser Representative in connection with an appropriate Advisory Services Agreement and disclosure brochure as provided. Registered address: 5000 West 36th St, St. Louis Park, MN 55416.

Consult your legal or tax counsel for advice and information concerning your particular circumstances. Neither Cetera, nor any of its representatives may give legal or tax advice.

Check the background of Citizens Investment Services' investment professionals on FINRA's BrokerCheck.