Estate planning

Learn how to prepare for the future and help protect your loved ones with estate planning resources and tools.

7 key steps for estate planning

It’s never too early to get started on an estate plan. Learn the 7 key steps to create one.

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How to change a will

As important life events take place, it’s a good idea to review and update your estate plan.

How to choose an executor

When you create your will, you’ll name someone to be the executor of your estate. Here’s why it matters and how to choose one.

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Advantages of a charitable gifting strategy

When you intentionally include a charitable gifting strategy in your financial plan, it could offer financial advantages too.

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How life insurance retirement plans (LIRPs) could help in retirement

Learn how life insurance retirement plans (LIRPs) could help you create an additional income stream in retirement.

Ready to take the next step?

No matter your stage in life, a dedicated Citizens Wealth Advisor* can work directly with you to build a personalized financial plan.

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Life insurance calculator

How much life insurance do you need? Find out what you might need to help plan for you and your family's financial future.

Long-term care calculator

Estimate the cost of long-term care coverage under different scenarios to help you determine whether or not you have a coverage shortfall.

Disability insurance calculator

Worried that you don't have enough disability insurance? Stay prepared and calculate how much disability insurance you may need.

* Securities, Insurance Products and Investment Advisory Services offered through Citizens Wealth Management.

Disclaimer: Citizens Securities, Inc. and Clarfeld Financial Advisors, LLC do not provide legal or tax advice. The information contained herein is for informational purposes only as a service to the public and is not legal advice or a substitute for legal counsel. You should do your own research and/or contact your own legal or tax advisor for assistance with questions you may have on the information contained herein.

Banking products are offered through Citizens Bank, N.A. (“CBNA”). For deposit products, Member FDIC.

All investing involves risk, including the risk of loss of principal. Investment risk exists with equity, fixed income, and other marketable securities. There is no assurance that any investment will meet its performance objectives or that losses will be avoided.

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