This seminar focuses on the following: 

• Retirement savings needs 
• Estimating Social Security benefits 
• Impact of inflation 

Different asset allocation strategies will be outlined, along with estate planning considerations and new tax rules. This hands-on working seminar will require you to bring a calculator and information about your budget, assets, and expenses. 

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. 

DISCLAIMER: No strategy assures success or protects against loss. No products will be offered or sold at this seminar. 

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Citizens Business Bank and CitizensTrust Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CitizensTrust Investment Services, and may also be employees of Citizens Business Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Citizens Business Bank or CitizensTrust Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency  |  Not Bank Guaranteed  |  Not Bank Deposits or Obligations  |  May Lose Value