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                                Retirement and Investing
                                

                                Get more from your money. 
                                

                                Making good financial decisions now can put you in a better position tomorrow - and a Financial Advisor from Citizens Investment Services is here to help you.
                                

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                
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                                Retirement Planning
                                

                                

                                

                                Living in Retirement
                                

                                

                                

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                                Retirement Planning
                                

                                Retirement plans help to fund your future while keeping your present needs in mind. Ready to plan ahead? Ask a Financial Advisor to help you create a plan.
                                
EXPLORE RETIREMENT STRATEGIES 

                                

                                

                                

                                

                                Living in Retirement
                                

                                Retirement brings its own set of goals and challenges - and your assets need to keep pace with your aspirations. Our Financial Advisors can help you with retirement income strategies.
                                
GET A PLAN IN PLACE 

                                

                                

                                

                                

                                Education Planning
                                

                                With the cost of college tuition, it's never too early to start investing in your child's education. A Financial Advisor can help you with custodial accounts and 529 College Savings Plans.
                                
START A COLLEGE SAVINGS PLAN 

                                

                                

                                

                                

                                General Investing
                                

                                Whether you're a seasoned investor or a curious beginner, our Financial Advisors can help you build a diversified portfolio that may contain stocks, bonds, mutual funds, and other investments.
                                
LEARN MORE ABOUT INVESTING 

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                

                                
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                                Citizens Investment Services Business Continuity Plan
                                Citizens Securities, Inc. Quarterly Trade Execution Report
                                Citizens Securities, Inc. Form ADV Disclosure Brochure 
                                Monthly Order Flow 
                                Reg.BI Disclosure
                                

                                Understanding Potential Conflicts of Interest and Cost Sharing Relationships with Annuity and Mutual Fund Providers
                                There are a number of annuities and mutual funds available for sale in the marketplace. Citizens Securities, Inc. has entered into agreements with certain mutual fund and annuity providers to share the cost of training and education of our Financial Advisors, conferences and meetings, seminars for current and prospective clients, internal wholesaling, distribution of sales and marketing materials, and for conducting due diligence on the mutual fund providers. Mutual fund and annuity providers may also reimburse Citizens Securities, Inc. for expense incurred, either directly or indirectly during training and educational conferences and seminars. In addition, the revenue sharing payments may be used to pay for seminars for current and prospective clients. They may also constitute additional compensation to Citizens Securities, Inc. It is also important to note that our Financial Advisors receive absolutely no additional compensation as a result of these revenue?sharing payments. Revenue sharing payments are in addition to standard sales commissions and other fees that Citizens Securities, Inc. receives.
                                

                                To assist our clients in choosing the appropriate products to meet their needs, our Financial Advisors focus on a select group of mutual funds and annuities from some of the largest and most well known companies that provide a wide range of mutual fund and annuity products to Citizens Securities, Inc. clients.
                                

                                Mutual Funds: The sharing of costs can take the form of compensation made by these mutual fund providers to Citizens Securities, Inc. in amounts up to .05% on customer assets managed by the mutual fund providers, and up to .1% on the sales of mutual fund products to Citizens Securities, Inc. clients. These payments are not made directly by you. They are paid by the mutual fund providers or its affiliates. None of these payments is passed on to your Citizens Securities, Inc. Financial Advisor, even though the funds may be used for some of the general activities and benefits to your Financial Advisor that are described above.
                                

                                Annuities: Revenue sharing can take the form of compensation from these annuity carriers to Citizens Securities, Inc. in amounts up to .05% on customer assets managed by the annuity providers, and up to .29% on the sale of annuity products to Citizens Securities, Inc. clients. Each of these annuity providers or the entity that markets the annuity contract has also agreed to make revenue sharing payments to Citizens Securities, Inc. These revenue sharing payments are separate from the mortality and expense risk charges, administrative fees, contract maintenance (or "annual") fees, applicable sales charges or contingent deferred sales charges, and underlying sub?account expenses disclosed in the contract prospectus and in sub?account prospectus fee tables. Revenue?sharing payments are paid out of the annuity provider's revenues or profits and not from a client's contract value or the assets of a sub?account. However, the annuity provider's revenues or profits may in part be derived from the product fees and expenses described in the prospectus. No portion of these revenue?sharing payments to Citizens Securities, Inc. is made by means of brokerage commissions generated by the provider, the sub?account investment companies or their affiliates.
                                

                                Below is a list of annuity carriers and mutual fund providers that may make compensation payments to Citizens Securities, Inc.:
                                

                                  

                                1. AIG
                                  2. 

                                2. AllianceBernstein Investments, Inc.
                                  3. 

                                3. Allianz Global Investors Distributors LLC
                                  4. 

                                4. American National Insurance Company
                                  5. 

                                5. Athene Annuity and Life Company
                                  6. 

                                6. AXA/Equitable Life Insurance Company
                                  7. 

                                7. BlackRock Investments, LLC
                                  8. 

                                8. BNY Mellon Investment Management
                                  9. 

                                9. Commonwealth Annuity and Life Insurance Company
                                  10. 

                                10. Delaware Life
                                  11. 

                                11. Eagle Life Insurance Company
                                  12. 

                                12. Eaton Vance Distributors, Inc.
                                  13. 

                                13. Federated Securities Corp.
                                  14. 

                                14. Fidelity Distributors Corporation
                                  15. 

                                15. Forethought Life Insurance Company
                                  16. 

                                16. Franklin Templeton Distributors, Inc.
                                  17. 

                                17. Genworth Life Insurance Company
                                  18. 

                                18. Great American Life Insurance Company
                                  19. 

                                19. Great West Financial
                                  20. 

                                20. Hartford Investment Financial Services Company, LLC
                                  21. 

                                21. Hartford Life Insurance Company
                                  22. 

                                22. Jackson National Life
                                  23. 

                                23. John Hancock Funds, LLC
                                  24. 

                                24. John Hancock Life Insurance Company
                                  25. 

                                

                                  

                                1. Liberty Life Assurance Company
                                  2. 

                                2. Lincoln Financial Group
                                  3. 

                                3. MetLife Investors
                                  4. 

                                4. Midland National Life Insurance Company
                                  5. 

                                5. Midwood Financial Services, Inc.
                                  6. 

                                6. Nationwide Life Insurance Company
                                  7. 

                                7. New York Life Insurance Company
                                  8. 

                                8. New York Life Investment Management, LLC
                                  9. 

                                9. Oppenheimer Funds Distributor, Inc.
                                  10. 

                                10. Pacific Life Insurance Company
                                  11. 

                                11. Pacific Select Distributors, Inc.
                                  12. 

                                12. PIMCO Investments, LLC
                                  13. 

                                13. Principal Financial Group
                                  14. 

                                14. Principal Funds Distributor, Inc.
                                  15. 

                                15. Prudential Annuities Distributors
                                  16. 

                                16. Putnam Retail Management Limited Partnership
                                  17. 

                                17. RiverSource Distributors, Inc.
                                  18. 

                                18. RiverSource Life Insurance Company
                                  19. 

                                19. Security Benefit Life Insurance Company
                                  20. 

                                20. Sun Life Financial Distributors, Inc.
                                  21. 

                                21. Symetra Life Insurance Company
                                  22. 

                                22. The State Life Insurance Company
                                  23. 

                                23. Transamerica Capital, Inc.
                                  24. 

                                24. Transamerica Life Insurance Company
                                  25. 

                                25. Western Southern Life
                                  26. 

                                

                                Citizens Bank is a brand name of Citizens Bank, N.A.
                                

                                Citizens Securities, Inc. is an affiliate of Citizens Bank, N.A. Please be aware that the security products offered are different than those offered by a bank and are subject to investment risk, including possible loss of principal amount invested.
                                

                                Citizens Securities, Inc. 770 Legacy Place, MLP240, Dedham, MA 02026. 1-800-942-8300.
                                

                                

                                Securities, Insurance Products and Advisory Services are:
                                 · NOT FDIC INSURED  · NOT BANK GUARANTEED  · MAY LOSE VALUE  · NOT A DEPOSIT  · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
                                

                                

                                Before investing, consider the Plans' investment objectives, risks, charges, and expenses. Contact a Citizens Investment Services Financial Advisor for a free Offering Statement. Read it carefully.
                                

                                Mutual Funds, Variable Annuities and Unit Investment Trusts are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus which contains this and other information can be obtained by calling your Financial Advisor. Read it carefully before you invest.
                                

                                

                                

                                


                                

                                

                                
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