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Citizens Private Wealth for clients with significant wealth and complex needs
Citizens Private Wealth has advisors and specialists who can help you navigate the complexities of managing, protecting, and passing on your wealth using sophisticated investment, estate planning, and charitable giving strategies.
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Banking Products: Banking products are offered through Citizens. Citizens is a brand name of Citizens Bank, N.A. For deposit products, Member FDIC.
Content Not Advice: This content is intended for informational purposes only and should not be construed as advice. Citizens Securities, Inc. does not provide legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.
Investment Decisions: The investment products and financial strategies suggested herein are subject to investment risk, including possible loss of principal amount invested. There can be no guarantee the suggested strategies or investments will lead to successful outcomes. Investment decisions should be based on each individual's goals, time horizon and tolerance for risk.
Mutual Funds & Annuities: Mutual funds and variable annuities are sold by prospectus. To learn more about funds and variable annuities, including charges and expenses, please request a prospectus by calling 1-800-942-8300 and read it carefully before investing or sending money. Policy loans or withdrawals may involve costs such as surrender charges and there may be negative tax implications associated with a policy after substantial loans or withdrawals have been made. Withdrawals and loans made from life insurance policies classified as a "modified endowment contract" (MEC) are subject to income tax and may incur a 10% IRS penalty tax if taken prior to 59 1/2.
Citizens Wealth Management: Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. (“Citizens”). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. (“CSI”), a registered broker-dealer and SEC registered investment adviser - Member FINRA / SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC (“EPS”) or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.
SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE