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Citizens offers an array of wealth management products and services for both individuals and institutions. Our capabilities include portfolio management, asset allocation strategies, and administrative services. Visit the Investing pages of this Web site for the full range of product and service options.

Business and Personal Solutions
Whether you're administering your company's retirement plan or managing the assets of your company or a not-for-profit organization, you can be confident when entrusting your company's financial future to Citizens Bank. Our customers look to us for both institutional and personal investment management services including:
  • Retirement Plans -- 401(k), 403(b), pension, and profit sharing
  • Portfolio Management
  • Estate Planning
  • Charitable Giving
  • Endowment Management
  • Personal Trust
  • Custodial Services
  • Administrative Services

Citizens Retirement Choice® provides a complete 401(k) plan solution for you and your employees, including a variety of investment choices from well-known mutual fund companies, customized plan design, and comprehensive employee education programs.

Capital Markets 
For institutional investors at businesses, non-profit organizations, or municipalities looking to optimize interest income and manage cash flow, we offer an array of investment options that offer security and liquidity. These include:
  • Citizens Select Money Market Mutual Funds* -- Choose from a variety of funds which invest in short-term securities to provide share-price stability, immediate liquidity, and low risk
  • U.S. Treasury Securities -- For a fixed interest rate backed by the strength of the U.S. Government, we offer U.S. Treasury Securities that are exempt from state and local taxes including Treasury Bills, Notes and Bonds, U.S. Government Agency Securities**, Municipal Notes and Bonds, and Commercial Paper
  • Bank Products -- For more conservative investors who still seek a competitive fixed interest rate, we offer Jumbo Certificates of Deposit and Repurchase Agreements
Investment Management Services
We also offer investment management services to high net worth individuals and companies, and actively manage portfolios tailored to each client's needs and objectives. Investment choices include mutual funds and annuities from some of the most recognized names in the industry. We can establish a brokerage account for trading individual securities, including all common and preferred stocks listed on major U.S. exchanges.



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*An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.

**Although the U.S. government ensures the timely payment of principal and interest on certain underlying securities, the value of fund shares is not guaranteed and will fluctuate. Mortgage backed securities may be subject to prepayment risk. See the prospectus for more details.

Securities and Insurance Products are:
Securities and Investment Advisory Services offered through CCO Investment Services Corp. Member FINRA, SIPC. 28 State Street, MS1310, Boston, MA 02109 1-800-942-8300.
Insurance products offered through CCO Investment Services Corp. In Massachusetts, insurance is offered through Citizens Financial Services Insurance Agency. In New York, insurance is offered through Citizens Insurance Agency of New York Inc.
CCO Investment Services Corp., Citizens Financial Services Insurance Agency and Citizens Insurance Agency of New York Inc. are affiliates of RBS Citizens, N.A.