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Wealth Management Staff

Time is one of the most important aspects of a good financial plan – call today for an appointment
with one of our experienced consultants.
Danette Rardon
Senior Vice President Wealth Management
Danette graduated from Truman State University with a B.A. in Communications and a minor in Justice Systems before receiving her JD from the University of Missouri-Kansas City School of Law and becoming a member of the Missouri Bar Association. She practiced law in Chillicothe before joining Citizens Wealth Management in 2007.
Jim Blackford
Senior Vice President
Wealth Management
Having completed a career as the co-owner and Chief Financial Officer of a steel products manufacturing corporation, Jim joined the Citizens family in 1992. Jim is a graduate of Northwest Missouri State University with a Bachelor of Science degree in Accounting and currently serves clients as the Business Development Officer for the Wealth Management Division.
Tim Couch, CSOP
Senior Vice President Trust Operations
Tim joined Citizens in 1978 and his career at Citizens continues to this day. Tim holds a Bachelors Degree in Business Management from William Woods University. He has attended various Trust related classes and seminars including ABA Principles of Banking School of Trust and Financial Planning, Cannon Trust Operations I-III, Cannon Trust Tax I-II, and ABA Certified Securities Ops. Prof.
Dianne Oder, CTFA, CSNP
Vice President & Trust Officer
Dianne has earned a Secretarial Certificate from NCMC and is experienced in both Commercial Banking and the Trust Industry. She has also attended the ABA Graduate School, ABA Bank Investments & Financial Management, and Cannon Trust Schools I-III since joining Citizens in 1993.
Mark Kempf
Vice President & Employee Benefits Officer
Mark graduated with a B.S. in Business from the University of Nebraska. He acquired lengthy and valuable experience in the Accounting Industry before joining Citizens in 2001. Mark specializes in Qualified Plans and is an Employee Benefits Administrator.

Bill Titcomb
Vice President & Business Development Officer
Bill has over 20 years of experience in the financial services sector and has worked closely with high-net worth families, foundations, and a variety of non-profit organizations through his work in trust administration, investment management, and financial planning. Bill focuses on the personal relationship and utilizes a comprehensive approach in providing wealth management services that are tailored to his clients and their needs. Bill is very involved in his community and serves on a number of non-profit boards and committees that promote charitable giving. Contact Bill

Jill Pfaff
Investment Management

Jill graduated Summa Cum Laude from the University of Missouri-Columbia with a Bachelor of Science (BS) degree.  She has previously held Series 7, Series 63, Series 66, and Missouri State Life and Health Insurance licenses, and is a graduate of the 2007 Schools of Banking School of Trust & Financial Services with an Honors Diploma. In Wealth Management, Jill works directly with customers and is also a trust administrator. She has 15 years of experience and has been with the bank since 2006.


Citizens Bank & Trust Wealth Management Services are-
• Not FDIC insured • May go down in value • Not Financial Institution guaranteed
• Not a deposit • Not insured by any government agency