Interactive Investment Tools

No matter where you are in the investment process, a Citizens Investment Services Financial Consultant can help determine the best products and strategies to help meet your unique goals.

To help you get started, use the interactive calculators and tools below to get an idea of your investment and insurance coverage needs before meeting with your consultant.

Not sure where to begin?

Use the Help Guide Me Tool to quickly and easily help determine an appropriate investment strategy for your needs.

Help Guide Me

Types of Calculators

Retirement Planning Calculators

Insurance Calculators

Investing & Savings Calculators

Types of Calculators

Types of Calculators	Description
Retirement Planning Calculators Learn more	Create and plan a secure retirement with these calculators.
Education Planning Calculator Learn more	Use this calculator to develop and fine-tune your education savings plan.
Insurance Calculators Learn More	Find out how much life insurance, long-term care insurance and disability insurance you may need.
Investing & Savings Calculators Learn More	Plan and strategize your investments and savings with these helpful calculators.

Learn even more about your investment needs.

Schedule a complimentary financial review with a local Financial Consultant today.

Call 1-800-242-2224

You can also visit a local branch, or we’ll contact you when you fill out the following quick and easy form:

Schedule an Appointment

Retirement Planning Calculators

Calculator	Description
Retirement Planner Learn more	Determine if your retirement plan is on track.
401(k) Savings Learn more	Find out why a 401(k) may be one of the best ways to save for retirement.
401(k) Rollover^* Learn more	Leaving your job? See what could happen to your 401(k) savings if you spend it now versus continuing to invest in a rollover IRA. ^*One should consider the potential costs and fees associated with rolling over a 401(k) to Citizens Investment Services in addition to any features or benefits one may lose as a result of this action.
403(b) Savings Learn more	If you are employed by a non-profit tax-exempt organization, see why a 403(b) can be one of the best ways to save for retirement.
Traditional IRA Learn more	See how contributing to a regular IRA could help build your retirement savings.
Roth IRA Learn more	Compare a Roth IRA to an ordinary taxable investment.
Traditional vs. Roth IRA Learn more	Determine which type of IRA may be right for you.
Retirement Income Learn more	Calculate how much monthly income your retirement savings may provide you when you retire.
Retirement Shortfall Learn more	Find out if your current retirement savings plan could fall short when you're in retirement.
Social Security Learn more	Check out how important Social Security is to your overall retirement plan.
Required Minimum Distributions Learn more	Find out how much you may need to withdraw from your retirement accounts annually when you turn 70 1/2.
Investment Returns Calculator Learn more	Sort through the factors of meeting your long-term retirement goal and determine your bottom line.

Insurance Calculators

Calculator	Description
Life Insurance Learn more	Find out how much life insurance you may need.
Long-Term Care Insurance Learn more	Determine if you are financially prepared for a long-term care situation.
Disability Insurance Learn more	Use this calculator to determine whether you have enough disability coverage.

Investing & Savings Calculators

Calculator	Description
Investment Returns Learn more	See how inflation, taxes, and your time horizon can impact your bottom line.
Net Worth Learn more	Determine the value of all your assets and estimate it over the next ten years.
Savings Goals Learn more	Saving for a specific goal? Find out what it will take you to get there.
Savings Rate Learn more	See how different interest rates can impact your overall savings strategy over time.
Savings, Taxes & Inflation Learn more	Calculate how much your savings will be worth after taxes and inflation.

Resources

Not sure where to begin?

Get started on the right track by learning more about investing in order to better understand your options:

Ready for the next step?

Now that you have the basic investing information, it’s time to get you started on the right track.

1-800-242-2224

Contact a Citizens Investment Services Financial Consultant today.

Monday to Friday:
8am – 6pm EST

Or, complete our quick and easy form and we'll contact you.

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© Copyright 2013 RBS Citizens Financial Group, Inc. All rights reserved.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania. Deposit accounts held at RBS Citizens, N.A. and Citizens Bank of Pennsylvania are separately insured.

Securities, Insurance and Investment Advisory Services offered through CCO Investment Services Corp. Member FINRA, SIPC. 770 Legacy Place, MLP240, Dedham, MA 02026. 1-800-942-8300. CCO Investment Services Corp. is an affiliate of RBS Citizens, N.A. and Citizens Bank of Pennsylvania.

Securities and Insurance Products are:
· NOT FDIC INSURED · NOT BANK GUARANTEED · MAY LOSE VALUE · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Mutual Funds, Variable Annuities and Unit Investment Trusts are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus which contains this and other information can be obtained by calling your Financial Consultant. Read it carefully before you invest.