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Mason City (641)423-1600 Change Location

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Mason City Change Location

2601 4th Street SW
Mason City, IA 50401

Tel. (641)423-1600

Monday-Thursday: 9:00am - 4:00pm
Friday: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
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  • Charles City Branch
    300 North Main Street
    Charles City, IA 50616

  • Clarion Branch
    315 Central Avenue East
    Clarion, IA 50525

  • Kanawha Branch
    220 North Main Street
    Kanawha, IA 50447

  • Mason City State Street Branch
    33 East State Street
    Mason City, IA 50401

  • Mason City West Branch
    2601 4th Street SW
    Mason City, IA 50401

  • Mora Branch
    730 Forest Ave East
    Mora, MN 55051

  • New Hampton Branch
    124 West Main Street
    New Hampton, IA 50659

  • Osage Branch
    501 Main Street
    Osage, IA 50461

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Home Blog Basic Financial Planning

Basic Financial Planning

Basic Financial Planning

How comfortable are you with your future finances? Do you have a financial plan? It's not just about retirement. It's about budgeting, planning, and investing for your future. 

When it comes to the financial planning process, we utilize a tool called eMoney to assist clients in developing a financial plan. A plan includes the collaboration of members of the wealth advisory, fiduciary, and investment teams of First Citizens Wealth Management as well as coordination with outside professionals. By utilizing eMoney, we help clients visualize real-time planning scenarios such as buying or remodeling a home, paying for college, welcoming a new child, paying down debt, or the impact of retirement decisions.

Our team follows the CFP Board’s Practice Standards for the Financial Planning Process. CFP Board is a non-profit organization acting in the public interest by fostering professional standards in financial planning through its setting and enforcement of the education, experience, ethics and other requirements for CFP® certification. Generally, these steps include: 

1. At first, we will ask you for information, so we can understand your personal and financial circumstances. 

2. Then we will work with you to identify and select goals. 

3. After you have chosen goals, we will analyze your current course of action and other approaches you might take. 

4. Next, we will develop the financial planning recommendations. 

5. Then we will present the financial planning recommendations to you, along with the information we considered to develop them. 

6. After that, we will analyze and recommend actions, products, and services to implement the financial planning recommendations. We will work with you to decide which of the recommendations you would like to implement. 

7. Then we will monitor our work and work with you to continuously update the plan. 

Whether you need financial advice for a specific issue or need a comprehensive financial plan, getting in touch with our team is the first step to securing your financial future. Helping clients with financial planning needs forms the basis of what we do as we seek to fulfill our mission of Inspiring Financial Well-Being for Everyone. Basic financial planning is a complimentary service offered to all prospective and existing clients. Clients may select one of the following basic plan modules: Retirement, Estate, or Cash Flow/Budgeting. For clients requesting an advanced plan and ongoing relationship with us, we charge a flat fee for an initial written plan and ongoing plan updates. We are also working on offering advanced planning clients access to a secure client site which includes a vault for important documents and access to the reports and planning tools. 

Don't put off planning any longer. Call us at 641-422-1600 or email to schedule an appointment today.  

Products provided by First Citizens Wealth Management are not insured by the FDIC, are not deposits of the bank and are not guaranteed by this institution; and, are subject to investment risks, including possible loss of the principal invested. Please note that neither First Citizens Bank nor the First Citizens Wealth Management Department provide tax or legal advice.

CFP Board is a nonprofit certification organization with a mission to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for personal financial planning. CFP Board owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with plaque design) and CFP (with flame design) in the U.S., which it awards to individuals who successfully complete initial and ongoing certification requirements.


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