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. Retirement Planning 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. 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 investmentAccess to numerous investmentsMutual fund allocation modeling and active, ongoing managementAutomatic rebalancing to help keep your portfolio properly diversifiedNo commission or sales charges on fundsMonthly statements and quarterly reports Insurance 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 protectionBuy-sell fundingDisability income insuranceExecutive deferred compensationKey person life insuranceLong-term care insurance CHOOSING A RETIREMENT PLAN THAT FITS YOUR BUSINESSTo choose a plan, it’s important to ask yourself four key questions.Retirement Plan DistributionsIt’s never a bad time to speak with your financial advisor about changes in your situationTHE BUSINESS CYCLEHow will you weather the ups and downs of the business cycle?