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Investment Services

When it comes to retirement, there are three questions to ask yourself.


  1. Where do I start?

  2. Am I saving enough?

  3. Will my savings last?


Where do I start?

For many people, it's a struggle just to pay all the usual monthly bills, let alone saving for retirement. It's easy to think that a spare $25 or $30 will make no difference. But the fact is, it does. Check out the example below – even a small amount saved, every month, can build to a considerable amount.**

If you invested $25 a month for 30 years, it could turn into $50,571. In 40 years, it could be $133,976.*

If you started saving $40 a month for 30 years, it could turn into $80,914. In 40 years, it could be $214,361.*

If you invested $50 a month for 30 years, it could turn into $101,142 in 30 years. In 40 years, it could be $267,951.*

When it comes to saving for retirement, getting started is always the biggest step. You can trust our team to guide you all the way.

*Example shows a monthly amount invested for either 30 or 40 years and earning the historical average return of the Dow Jones Industrial Index of 9.4% from the period 1972 – 2021.

**This example is for illustrative purposes only and the return is not indicative of any actual investment. Actual investment results may differ substantially.


Am I saving enough?

How do you best balance saving for your future with living for today? The answer is different for everyone. Retirement savings are 20 or 30 years in the making and it’s easy to overlook steps today that can make a huge difference in the future. You can trust our advisors to help keep you on track. We take the time to understand your priorities and then highlight ways to maximize your savings for the future while protecting what you have today.


Will my savings last?

Do I really need $2 million to retire comfortably? A few advisors seem to think so. But that’s a lot of money. And if you’ve saved that much, great! But what if you haven’t? The average American at age 65 has $411,000 in retirement savings*. So are there ways you can boost your savings? Will you get the maximum Social Security benefit? Are there other things you can do? We help clients who are close to retirement with these questions every day. Having an expert advisor you can trust can make all the difference.

*Survey of Consumer Finances. Federal Reserve. (Updated 2021.)


Ask the questions. Get answers.

At First Citizens National Bank, we know that not all retirement situations are the same. Solutions should come in a tailored-to-you plan that meets your immediate and future goals. We take the time to sit down, learn your desired state, and help you achieve the once far off dream of living comfortably, now and throughout your retirement years.

No two retirement plans should ever be the same. How could they be when everyone has different priorities and plans for the future?

Knowing what’s important to you. Designing the right plan. Giving you the best advice to stay on track. That’s what you deserve from your financial advisor and it’s what we strive to deliver for every one of our clients.

For practical help to ensure your new adventures are your best ones, reach out and talk to an advisor today.

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Located at: 100 North Sandusky Avenue, Upper Sandusky OH 43351 - Phone: 419-294-2351

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

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