Why choose a Citizens Wealth Advisor: trusted guidance for your financial future

As life evolves, so do your financial needs. What starts as simple budgeting and saving can quickly grow into managing sizable investment accounts, preparing for retirement and planning for other major milestones. Career changes, family dynamics and shifting priorities can add layers of complexity to your financial picture.

However, you don't have to navigate your financial goals and decisions alone. If you're considering working with a financial advisor, here's why a Citizens Wealth Advisor could be the right choice for you.

Personalized guidance for your financial goals

Your finances reflect what matters most to you: your goals, your values and the future you envision for yourself and your family. A Citizens Wealth Advisor begins by asking the right questions and listening closely to understand your priorities. From there, they create a personalized financial plan tailored to your unique needs.

Advisors have access to a broad range of wealth management solutions. Backed by a team of specialists and advanced planning tools, your advisor can help address your investing, retirement planning, risk management and estate planning needs.

Beyond building your financial plan, a Citizens Wealth Advisor can help you execute it, providing clear, actionable next steps to guide you from where you are today to where you want to be. On an ongoing basis, you'll meet with your advisor to refine your strategy.

Here's how a Citizens Wealth Advisor can guide you each step of the way.

Investment strategies and support

From saving for a growing family or college tuition to planning for retirement or a vacation home purchase, achieving your goals requires a smart investment strategy. Whatever your short- or long-term goals, a Citizens Wealth Advisor can help you:

• Manage investments in a tax-efficient manner
• Plan for retirement and maximize IRAs and workplace retirement accounts
• Save for education expenses using 529 plans or custodial accounts
• Explore retirement planning solutions for business owners and their employees
• Save and invest toward other important goals

A Citizens Wealth Advisor can also guide you through advanced investment planning strategies. This includes charitable gifting strategies, like utilizing donor-advised funds, and alternative retirement savings strategies to make your money work harder.

Robust risk management planning

Life can be unpredictable. Illness, injury, or unexpected life events can create financial stress if you're not prepared. Thoughtful risk management planning helps you protect what you've built and gives you a greater sense of comfort when unexpected challenges arise.

Your Citizens Wealth Advisor can help you take steps to:

• Evaluate life insurance options to support loved ones, with guidance on term, whole, universal or variable coverage
• Plan for potential long-term care needs to help address the rising costs of assisted living and nursing care
• Explore disability insurance to help protect your income during your working years if illness or injury prevents you from working

It's also important that your wishes are clearly documented. Your Citizens Wealth Advisor can coordinate with legal professionals to help ensure that decisions can be made on your behalf by someone you trust if you're unable to make them yourself.

Navigating your transition into retirement

The transition from saving for retirement to living on your savings is a major life milestone that raises big questions:

• When can I retire and how long will my savings last?
• How do I turn savings into reliable income?
• When should I claim Social Security benefits?
• How will taxes affect my retirement income?
• What's the best way to manage health care expenses?
• How do I navigate retirement risks like market volatility and inflation?

A thoughtful retirement plan can help answer these questions and allow you to feel more confident about the years ahead.

A Citizens Wealth Advisor works with you to design a retirement strategy that supports both your lifestyle and long-term security. This includes evaluating your retirement needs, understanding potential retirement income sources and creating a tax-efficient plan for withdrawals.

Wealth transfer strategies

For many people, financial planning isn't just about today. It's about the impact you want to leave behind. A Citizens Wealth Advisor can help you think through your options to transition your wealth and leave a lasting legacy. This includes strategies to:

• Transfer wealth in a tax-efficient manner to future generations
• Incorporate charitable giving strategies that reflect your values and philanthropic goals
• Plan for future care and medical decisions as part of your overall legacy

Your advisor can also partner closely with your estate attorneys and tax professionals to help coordinate estate planning needs, including wills, trusts and advance directives. By aligning financial, tax and estate considerations, you can create a cohesive plan — one that provides confidence today and for the future.

Get started with a Citizens Wealth Advisor

While information is everywhere, clarity isn't always easy to find. With so much at stake, trusted financial guidance can make all the difference.

A Citizens Wealth Advisor brings experience and insight to help you cut through the noise, define your goals and take meaningful steps toward the life you envision. With convenient remote and in-person meeting options, connect with us today and start building your plan with confidence.

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