Citizens Investment Services

Citizens Investment Services We believe our teamwork approach adds a broader perspective to all we do and provides increased benefits to our clients.

Our team of financial professionals can help you address:
• Investing principles and strategies
• Retirement investing and distribution strategies
• Estate conservation issues
• Risk management

We also can answer your questions, including:
• Can I retire early?
• Are my investments working hard enough?
• What’s the best approach for college savings?
• What are the elements of a sound estate s

trategy?
• Do I have enough life insurance for my family? Our experienced professionals have helped many people just like you with similar issues and concerns. We specialize in creating an approach that is designed to address your individual situation. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment. Insurance and Investment products are: Not FDIC insured - Not bank guaranteed - May loose value - Not a bank deposit - Not insured by any federal government agency.

Low holiday trading volume and sparse economic data put the spotlight on one thing: the Fed’s divide. This Wednesday’s F...
12/29/2025

Low holiday trading volume and sparse economic data put the spotlight on one thing: the Fed’s divide. This Wednesday’s FOMC meeting minutes could reveal more about the December rate cut and why not every Fed member agreed. With some pushing for deeper cuts and others resisting any move, the minutes may offer critical clues on what’s next for interest rates. On this week’s , CIO Gene Goldman explains why this release matters as markets head into 2026—and what it could mean for stocks if the Fed holds firm.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

A homewarranty may make sense, but you need to set proper expectations.
12/29/2025

A homewarranty may make sense, but you need to set proper expectations.

Understanding the value of a home warranty.

Do you know how long it may take for your investments to double in value?
12/26/2025

Do you know how long it may take for your investments to double in value?

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.

Learn about Medicare’s popular program, offering retirees free gym membership and health education.
12/24/2025

Learn about Medicare’s popular program, offering retirees free gym membership and health education.

Medicare’s popular program, offering free gym membership and health education.

As market activity slows and economic data becomes scarce, we’re looking ahead to 2026 and the three key investment them...
12/22/2025

As market activity slows and economic data becomes scarce, we’re looking ahead to 2026 and the three key investment themes likely to shape the economy and financial markets. From a stronger-than-expected economy to lower market returns and a shift in market leadership, these trends could define the year ahead. On this week’s , CIO Gene Goldman breaks down what these themes mean for investors and portfolios in 2026.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Take an inside look into Simplified Employee Pension plans.
12/22/2025

Take an inside look into Simplified Employee Pension plans.

For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.

Cash flow refers to the movement of money in and out of your accounts over time. Discover how understanding and managing...
12/19/2025

Cash flow refers to the movement of money in and out of your accounts over time. Discover how understanding and managing your cash flow can help you optimize your finances and your tax situation.

Discover how managing your cash flow can help you improve your tax situation and move closer to your long-term goals.

Read the latest issue of Financial Watch here:
12/18/2025

Read the latest issue of Financial Watch here:

Starting January 1, 2026, new rules for charitable giving will kick in under the One Big Beautiful Bill Act (OBBBA). These changes affect both itemizers and those who take the standard deduction, so no matter how you give, it’s worth knowing what’s ahead. This month's Financial Watch newsletter ...

Second homes have unique risks and insuring them is different than a primary home.
12/17/2025

Second homes have unique risks and insuring them is different than a primary home.

There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.

Due to the government shutdown, October and November reports are hitting at once—revealing a labor market under pressure...
12/15/2025

Due to the government shutdown, October and November reports are hitting at once—revealing a labor market under pressure and consumer spending losing steam. With CPI expected to rise to 3.1%, bond investors and policymakers are on alert ahead of January’s Fed meeting. On this week’s , Chief Market Strategist Brian Klimke breaks down what these reports mean for rates, markets, and your portfolio.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Looking ahead can help female investors conquer these unique obstacles. You can learn more here.
12/15/2025

Looking ahead can help female investors conquer these unique obstacles. You can learn more here.

Looking ahead can help you conquer these unique obstacles.

2026 is shaping up to be a year of resilience and reinvention. Tax cuts, demographic tailwinds, and productivity gains f...
12/12/2025

2026 is shaping up to be a year of resilience and reinvention. Tax cuts, demographic tailwinds, and productivity gains from AI are fueling moderate growth – even as labor market risks and elevated valuations keep investors on their toes.

The Cetera Investment Management Team’s 2026 Annual Outlook explores what these trends mean for equities, fixed income, and your portfolio strategy. Read the full commentary here: https://cetera.com/CIM-2026-market-outlook?utm_source=nfaaol

Address

102 W Main Street
Lena, IL
61048

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

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