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Retirement Planning

A Financial Consultant can create a
personal investment strategy to help
meet your retirement needs.

Whether you’re just starting out or a few years away from retirement, careful long-term planning helps prepare you for the years to come. Citizens provides personalized guidance to help you understand all the retirement investment options available, and helps you choose a strategy designed to help meet your needs.

Choose the path that best describes you:

I am a person who:

  • Has already started a retirement plan, but needs more guidance to clearly understand my choices.
  • Has more than 3 – 5 years to save toward my retirement goals, and is looking for direction.
  • Has more than $10,000 to invest, but needs help developing the correct strategy.

A Citizens Investment Services Financial Consultant will develop a customized strategy to help meet your retirement goals, which may include:

Rollover IRA *: Consolidate your existing IRA or 401(k) accounts for easier management.

Roth Conversion IRA: Convert your existing Traditional IRA or 401(k) into a Roth IRA, which offers you potential long-term tax benefits.

Traditional and Roth IRA: A great savings vehicle for your future, an individual retirement account lets you control how you invest in your future — with possible generous tax advantages, too.

Annuities: This option may provide a guaranteed income stream when you retire.

* 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.

Understand potential conflicts of interest with annuity fund providers.

If you prefer a more hands-off approach, a Financial Consultant will take care of all of your investable assets — a minimum of $50,000 — through our Managed Accounts Services.

Ready to get started?

Schedule a complimentary financial review with a Citizens Investment Services Financial Consultant. Even if you have a relationship with another investment firm, we can offer you an objective second look at your long-term plan to help ensure you are on target to meet your retirement savings goals.

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:

I am a person who:

  • Is retiring soon (in less than three years)
  • Has not started saving for retirement.
  • Has less than $10,000 saved or invested for retirement planning needs.

Citizens Bank offers you a variety of FDIC-insured savings options designed to help you achieve your retirement savings goals:

Citizens Bank IRAs: A bank IRA (Individual retirement account) lets you control how to invest in your future — with possible tax advantages.

Savings, Money Markets and CDs: Citizens Bank can help grow your money into a solid financial foundation with a wide array of savings products.

GoalTrack Savings : It’s easy to create a plan, track your progress, and get rewarded when you reach your goal.

Ready to get started?
Learn more about these great products in our personal banking section.


Resources

Not sure where to begin?

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


Retirement Calculator

Use this calculator to help determine your projected surplus or shortfall at retirement and see how long your current retirement savings will last.

 

 

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.

 
Find a Local Branch
Over 1,100 branches close by.
 

 

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.



Citizens Investment Services does not provide tax or legal advice. Please consult with a tax or legal advisor regarding your individual circumstances before making any decisions.