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Wealth Management & Investment Services

Wealth Management Investment Services

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CitizensTrust FAQ

These questions and answers will give you an idea of what we do at CitizensTrust. If you have more questions or would like to see a specialist please call (888) 734-4222 or email us.

  • CitizensTrust provides a full range of wealth management services to protect and enhance our client's wealth. These services include comprehensive portfolio management, charitable planning, estate planning, financial planning, trustee services and investment products. We also serve the needs of our business clients by providing a variety of employee benefits, including qualified and non-qualified deferred compensation plans.
  • The CitizensTrust Investment Services Group offers a full range of superior investment solutions. Our dedicated financial consultants have the knowledge and training to guide individuals, businesses and professionals in achieving their financial objectives. From comprehensive financial and retirement planning, to business succession and professional money management, the choices are endless. Our financial consultants will work closely with you to determine the products and services that best meet your needs.
  • Our client profile includes individuals, families, foundations, endowments, institutional trusts and governmental entities seeking objective professional wealth management advice. Our relationships are valued by clients that wish to delegate much of the challenging investment management work to a "business partner." The most successful relationships are those where clients take full advantage of CitizensTrust's comprehensive suite of services.
  • Our first and continuing priority is to understand thoroughly your investment objectives, income needs, risk profile, tax concerns, and business considerations. A portfolio is then individually designed and managed by a dedicated portfolio manager in response to each client’s specific situation.
  • Personalized service will define all aspects of your relationship with CitizensTrust. Only after we understand your financial goals and unique requirements do we begin recommending individual managers. We use a rigorous manager selection process to assemble the optimal combination of strategies and managers to achieve specific investment objectives.
  • Strategic asset allocation and diversification of risk
  • The use of Monte Carlo simulation to help quantify appropriate risk and return requirements for individual investors
  • No sell-side incentives to push an investment or asset mix
  • Our managers serve a carefully limited clientele, so we can deliver a uniquely attentive level of service to our clients
  • Our comprehensive, coordinated and integrated approach ensures overall investment goals are met.
  • We are strong believers in the benefits of diversification - by asset class, style, sector and security. It is this belief that guides our investment approach, an approach that is decidedly style and product agnostic.
  • The Portfolio Manager will help you develop your Investment Policy Statement (IPS), which will become the framework for designing your portfolio. Contained within the IPS are the relevant time frames, risk parameters, liquidity needs, income requirements, asset classes available for consideration, legal and tax considerations, investment constraints such as social responsibility, and the portfolio’s goal priorities.

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA, Member SIPC, Insurance products offered through LPL Financial or its licensed affiliates. Citizens Business Bank and CitizensTrust Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.

The LPL Financial registered representative associated with this may only discuss and/or transact securities business with residents of the following states: CA

Investment Products
Not FDIC Insured - No Bank Guarantee - May Lose Value

Please Note:
Any amounts invested pursuant to repurchase agreements are not deposits of the bank, are not insured by the Federal Deposit Insurance Corporation (FDIC), are not themselves guaranteed in any way by the United States or any of its agencies (even though the securities purchased by means of a repurchase agreement may be), are not a money market certificate but are subject to investment risks, including possible loss of principal invested.
Member FDIC Equal Housing Lender Verisign Secured

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Citizens Business Bank Corporate Headquarters, 701 N Haven Ave. Ontario CA 91764 | Toll-Free:1-877-4-CBBANK

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