Welcome to Citizens Wealth Management Group
Citizens Wealth Management Group provides an array of services that accommodates all types of investors. We help work towards protecting your hard-earned assets with a retirement plan that has the potential to grow to fit your needs – evolving along with you and your family. After completing a cash flow analysis, we will provide you with important feedback and generate ideas about how your situation impacts your ability to pursue your goals and objectives. We can also equip you with the proper insurance plans to ensure the transfer of your wealth and estate during life’s unpredictable events.
Additionally Citizens Wealth Management Group works with small business owners to help design and monitor a retirement plan that works toward meeting his/her specific objectives. We will continue to suggest improvements as objectives, plan demographics and the qualified plan marketplace changes.
What is Wealth Management
Citizens Wealth Management Group defines wealth management as the integration of one’s financial life – working toward growing, preserving, transferring, and structuring wealth through tax-efficient strategies.
We believe managing your wealth is more than investing wisely. We look at the big picture and analyze your financial plan by properly planning for retirement, helping you pursue your financial goals by performing a cash-flow analysis, and making sure you have planned for the future with adequate insurance coverage. This approach involves all areas of wealth management, allowing you to work toward achieving your goal by adhering to our mission of providing, integrated strategies for every step of life.
The Cost of Procrastination
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
The Latte Lie and Other Myths
Do you know these three personal finance sayings?
Inflation & Your Money
It's important to understand how inflation is reported and how it can affect investments.
Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
This checklist can give you a quick snapshot of how prepared you are.
If you are concerned about inflation and expect short-term interest rates may increase, TIPS could be worth considering.
Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.
It sounds simple, but paying yourself first can really pay off.
Knowing how insurance deductibles work can help you save money and give you peace of mind.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
This questionnaire will help determine your tolerance for investment risk.
Use this calculator to compare the future value of investments with different tax consequences.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Determine your potential long-term care needs and how long your current assets might last.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
How federal estate taxes work, plus estate management documents and tactics.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Investment tools and strategies that can enable you to pursue your retirement goals.
Principles that can help create a portfolio designed to pursue investment goals.
There are some smart strategies that may help you pursue your investment objectives
Using smart management to get more of what you want and free up assets to invest.
Agent Jane Bond is on the case, uncovering the mystery of bond laddering.
When markets shift, experienced investors stick to their strategy.
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
If you died, what would happen to your email archives, social profiles and online accounts?
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
Here is a quick history of the Federal Reserve and an overview of what it does.