When it comes to your financial picture, navigating the options that are available and taking action steps is vital to your success. We know that is not always easy. You know where you are - and where you want to go, our aim is to help you get there. At Citizens Financial Services, our client-centered approach, wide range of products, customizable solutions, and in-depth knowledge can take you in the right direction. You can relax knowing you are working with a firm that has your best interest in mind.
From Boats to Brokers
From the Dutch East India Company to Wall Street, the stock market has a long and storied history.
A Brief Guide To Condo Insurance
Important items to consider when purchasing condo insurance.
Preparing For the Ultimate Vacation
Make your retirement as exciting as your next vacation.
E&O insurance is specifically designed to protect you, or your company, from the risk of a client’s dissatisfaction.
Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
Do you know where the idea of “retirement” comes from?
It's important to understand how inflation is reported and how it can affect investments.
Maintaining a healthy lifestyle can help you reduce health-related expenses—and avoid time in the recovery room.
Some people wonder if Social Security will remain financially sound enough to pay the benefits they are owed.
Assess whether you are running “in the black” or “in the red” each month.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Enter various payment options and determine how long it may take to pay off a credit card.
This calculator will help determine whether you should invest funds or pay down debt.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Use this calculator to estimate your capital gains tax.
Learn more about taxes, tax-favored investing, and tax strategies.
The importance of life insurance, how it works, and how much coverage you need.
How federal estate taxes work, plus estate management documents and tactics.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are a number of ways to withdraw money from a qualified retirement plan.
Using smart management to get more of what you want and free up assets to invest.
With alternative investments, it’s critical to sort through the complexity.
How will you weather the ups and downs of the business cycle?
All about how missing the best market days (or the worst!) might affect your portfolio.
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
Making the most of surprises is a great reason to work with us.
How do the markets usually react to elections? Was the 2016 election any different?