We know how difficult it can be to plan for your financial future.
That’s why our Trust Specialists work hard to learn where you are, where you want to be, and what you care about. We understand the importance of relationship-building to structure the right plan for you, which is why we'll work with you, your attorney, your accountant, and any outside financial advisors to help you reach your goals and secure your future.
We offer a broad range of trust services, including:
- Living, Revocable, and Irrevocable Trusts
- Estates
- Guardianships
- Personal Agency accounts
- Self-Directed Individual Retirement Accounts (IRAs)
- Retirement Planning and Investments
Contact us today to learn more.
Investment
Services
We want to make it easier for you to manage your funds and get the results you desire.
Trust
Administration
Our Trust Services reflect our mission - we're committed to helping you reach your goals.
Estate
Planning
Your opportunity to design the future you want to address your family's future needs.
Managed
Investing
Planning for your financial future isn't "one and done," so we go beyond initial investment strategies.
When it comes to investing for retirement, which is better: accumulating reasonable yearly gains or having years with exceptional returns combined with years of losses? We'll work with you to ensure your views are taken into consideration, and together we can determine the best use of your assets according to your goals.
We want to make it easier for you to manage your funds and get the results you desire. Here you'll find convenient access to full-service brokerage resources including:
- Mutual funds
- Insurance products including fixed and variable annuities, life insurance and long-term care insurance
- Retirement plan services and more
Contact us to discuss your investment philosophy.
Securities and insurance products offered through Cetera Investment Services LLC, Member SIPC/FINRA
Investments are:
- Not FDIC/NCUSIF insured
- May lose value
- Not financial institution guaranteed
- Not a deposit
- Not insured by any federal government agency
- Cetera is not affiliated with the financial institution where investment services are being offered.
- 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 on this website is for U.S. residents only and does not constitute an offer to purchase brokerage services to persons outside of the United States.
Investments Not FDIC Insured | No Bank Guarantee | May Lose Value
Our Trust Services reflect our mission - we're committed to helping you successfully reach your goals. We have a variety of tools available, including,
- Living, Revocable, and Irrevocable Trust Accounts
- Estates
- Guardianship Accounts
- Personal Agency Accounts
- Self-Directed Individual Retirement Accounts (IRAs)
- Retirement Planning and Investments
Our Trust Specialists listen, so they have an-depth understanding of your current situation and future goals before putting together any recommendations. Following are some terms that are helpful to know:
- A Trust Account helps ensure the successful transfer of your estate.
- A Revocable Living Trust includes directions for managing your assets while you are living and for distributing them after death.
- A Testamentary Trust can provide sound financial management for your heirs. It is established by your will and becomes effective after your death.
- A Credit Shelter Trust is designed to minimize taxes by applying any estate tax exemptions to either spouse.
- An Agency Account helps you manage investments by assigning specific duties to the professionals at Citizens State Bank in a written agreement. If support is needed for investments, bill paying, or other management duties, that form of agreement is called a Custodial Agency Account.
- A Guardianship Account is necessary when the account holder is in need of some financial assistance or when a court-appointed fiduciary is needed. Our Trust Specialists fulfill those duties, helping ensure the best results.
- In certain types of transactions, we hold an account in a borrower’s name to pay obligations as determined between a seller and buyer, or a borrower and an institution. These are called Escrow Exchanges or 1031 Exchanges in which Citizens State Bank is named as the escrow agent.
Investments Not FDIC Insured | No Bank Guarantee | May Lose Value
It's important to create an estate plan that's properly structured to address your family's needs. We're committed to helping you get it right. We can help:
Create/update your will: Your will is the primary document used to transfer your assets when you pass. Making decisions now about how you wish your legacy to be passed on can help avoid problems later.
Review your estate plan: You need to review your estate plan whenever you change your marital status, make a career change, or change your address. We'll help you identify opportunities to adjust your estate plan as your current situation and future goals change.
Select an executor: Choosing a reliable executor or personal representative to settle your estate gives you - and your heirs - security and peace of mind. We have the expertise and experience to handle this important role.
Consider trust and gift strategies: If you have a sizable estate to manage, you may save on taxes through the use of trust and gifting strategies. We can help you determine the best account types for tax purposes.
Contact us to learn more about how we can help you plan your estate.
Investments Not FDIC Insured | No Bank Guarantee | May Lose Value
We understand that preparing for your financial future isn't "one and done." That's why we go beyond investment strategy recommendations. We'll handle the administrative work, advanced planning, and ongoing research as necessary to ensure you're utilizing the best strategies to reach your financial goals.
Contact us today to learn more.