Citizens Financial Services

Citizens Financial Services Citizens Financial Services helps individuals and families pursue their life-long financial goals. That's where we can help.

Message from Our Advisors

If you are like most investors, you want someone to walk you through the investment choices available to you. An adviser provides the in-depth knowledge necessary to assist you in identifying what investments are right for you. Whatever your goals or stage in life, we can help you make investment choices that are suitable for your unique situation and your risk tolerance

. At Citizens Financial Services, we are here to help guide you with your banking needs at Home State Bank or The Citizens State Bank, while also being able to provide you with investment and insurance solutions you desire through Cetera Investment Services. Being able to access world markets and insurance products right from the comfort of your local home town bank is a real convenience for you. Our service to you continues after your initial investment. We are here to take care of your needs and to meet regularly with you regarding your accounts. Securities offered through Cetera Investment Services LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entitiy. Securities and insurance products are offered through Cetera Investment Services 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. Investments are: * Not FDIC insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

Because money that goes into a Roth IRA is after tax, you've already paid the necessary taxes and can withdraw your cont...
11/03/2025

Because money that goes into a Roth IRA is after tax, you've already paid the necessary taxes and can withdraw your contributions tax-free as well.

They say the one constant is change. Changes in laws, in how we do business, and even in how we live from day to day. As...
10/20/2025

They say the one constant is change. Changes in laws, in how we do business, and even in how we live from day to day. As time passes, your needs will inevitably change. Make sure your estate plan matches the life you’re leading.

Our office is closed today.
10/13/2025

Our office is closed today.

Today is Denise's birthday! Help us wish her the best day ever!
10/12/2025

Today is Denise's birthday! Help us wish her the best day ever!

Do you have a business? If you do, or you’re considering starting one, have you updated your estate plan with your busin...
10/11/2025

Do you have a business? If you do, or you’re considering starting one, have you updated your estate plan with your business in mind? Talk with your trusted financial professional about how this might be handled.

Something anyone will tell you about their family is that things are always changing. Marriages. Births. Transitions, su...
10/03/2025

Something anyone will tell you about their family is that things are always changing. Marriages. Births. Transitions, such as your children growing up and starting their own lives. And some of those changes are more somber and require some reflection. No matter what’s happening in your family, these changes affect your estate planning. Not only do you need to do it for your family, you need to keep it updated for them, as well.

09/25/2025
Recognize National Make-a-Will Month by taking control of your estate. Make sure your wishes are known and help protect ...
08/26/2025

Recognize National Make-a-Will Month by taking control of your estate. Make sure your wishes are known and help protect your loved ones from uncertainty.

Making a will is a key step to consider as you prioritize your family's future.
08/16/2025

Making a will is a key step to consider as you prioritize your family's future.

Address

2315 S. Kansas Avenue
Newton, KS
67114

Opening Hours

Monday 9am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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Invest With Confidence

Message from Our Advisors If you are like most investors, you want someone to walk you through the investment choices available to you. That's where we can help. An adviser provides the in-depth knowledge necessary to assist you in identifying what investments are right for you. Whatever your goals or stage in life, we can help you make investment choices that are suitable for your unique situation and your risk tolerance. At Citizens Financial Services, we are here to help guide you with your investment, insurance and financial planning needs through Cetera Investment Services. Being able to access world markets and insurance products right from the comfort of your local home town bank is a real convenience for you. Our service to you continues after your initial investment. We are here to take care of your needs and to meet regularly with you regarding your accounts. Securities offered through Cetera Investment Services LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entitiy. Securities and insurance products are offered through Cetera Investment Services 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. Investments are: * Not FDIC insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.