Citizens Bank and Trust Company  
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Support: 800-634-6203 8-5, M-F


Investments Options


ERISA 3(38)
Investment Managers
We can serve as an ERISA 3(21) co-fiduciary or an ERISA 3(38) fiduciary where we can act as a discretionary investment manager shifting
fiduciary obligations on plan investments from you, the Plan fiduciaries.

On-Site Advisors
We have built our service model around our commitment to being your comprehensive
Fiduciary Partner. We believe in face-to-face contact and can provide ongoing participant education through our on-site advisors.

Do it For Me Strategy
For those that want a “do-it-for-me” strategy, we have Risk-Based Managed Accounts
available, eliminating the stress from participants having to make a selection.

Gap Analysis
Are your employees on track to reach their retirement goals? We offer face-to-face
delivery of individualized reports for participants to show them how much they
need to be saving to reach their goals.


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