Broker Check

Integrated Strategies
For Every Step of Life

  • Main Office:
  • 102 South Main Street
  • Bluffton, OH 45817
  • 419.358.8060
  • cwmg@lpl.com
Investment Services Financial Planning About Team

Welcome to Citizens Wealth Management Group

Our Mission

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.

 

Helpful Content

When Life Insurance Becomes Taxable

When Life Insurance Becomes Taxable

Life insurance proceeds are generally tax-free. But not in all cases.

Directors and Officers Liability Insurance

Directors and Officers Liability Insurance

Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.

What You Should Do About Insurance Following a Divorce

What You Should Do About Insurance Following a Divorce

In the face of divorce, making changes to insurance coverage may be overlooked.

 

Can Group, Private Disability Policies Work Together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.

9 Facts About Retirement

Regardless of how you approach retirement, there are some things about it that might surprise you.

Building Your Legacy

A four-step framework for building a personal legacy.

The Utility of Sector Investing

Successful sector investing is dependent upon an accurate analysis about when to rotate in and out.

Where Will Your Retirement Money Come From?

Retirement income may come from a variety of sources. Here's an overview of the six main sources.

Estate Management Checklist

Is your estate in order? This short quiz may help you assess your overall strategy.

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Contributing to an IRA?

Determine if you are eligible to contribute to a traditional or Roth IRA.

Saving for College

This calculator can help you estimate how much you should be saving for college.

What Is My Current Cash Flow?

Assess whether you are running “in the black” or “in the red” each month.

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

How Compound Interest Works

Use this calculator to better see the potential impact of compound interest on an asset.

Comparing Mortgage Terms

Estimate the total cost in today's dollars of various mortgage alternatives.

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Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

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Rightsizing for Retirement

What does your home really cost?

Surprises

Making the most of surprises is a great reason to work with us.

The Cycle of Investing

Understanding the cycle of investing may help you avoid easy pitfalls.

Choosing a Mortgage

Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.

An Arm and a Leg

A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.

Exit Strategies of the Rich and Famous

Estate conservation is too important to put off. Do you have a smart exit strategy?

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