Sort through complex financial needs beyond daily money management by drawing on the specialized expertise found in our Asset Management & Trust Department.

Qualified Retirement Plans

Eventually, every business thinks about setting up a retirement plan – or wonders whether the one they have is right for them.

Citizens First offers assistance with:

• 401 (k)
• Profit Sharing Plans
• Defined Benefit Pension Plans

Our Employee benefits specialists can help you:

• Determine which plan makes the most sense for your business
• Handle all the details involved with implementing and administering

Non-Qualified Deferred Compensation Plans

Provide an incentive for key employees to stay with you by allowing them to defer a portion of their income – and taxes – until retirement.

Our trust experts:

• Walk you through the details of how these plans work
• Manage the assets used to fund the Plan

Investment Management Agency

Are you having trouble finding the time to run both your business and your money? Delegate your investment decisions to us. Citizens First can serve as both custodian and money manager for your personal or corporate funds.

Tax-Deferred Property Exchanges

IRS rules permit you to exchange one piece of business or investment property for another, while deferring taxes on the transaction. Citizens First can help you navigate the fine points of these 1031 exchanges and handle all the administrative details on your behalf.

Financial Services Disclosure

Security and Advisory services offered through AIG Financial Advisors Inc. a registered broker-dealer and SEC registered investment advisor and member FINRA and SIPC.  CFS Bank and CFS Financial Services are not affiliated with AIG Financial Advisors.