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Preferred Branch

Mason City (641)423-1600 Change Location

Your Preferred Branch

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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Change Preferred Branch

  • 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

  • Latimer Branch
    119 North Akir Street
    Latimer, IA 50452

  • 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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Investment Planning


How Can We Help?

This account provides both investment and administrative services. You can either give us full discretion in making investment decisions, or require that investment recommendations be submitted to you for approval prior to execution. Typically, investment products we use consist of no load mutual funds, stocks, bonds, and ETFs.

Individually Tailored Financial Plans

We assume that all investors desire the highest potential return while minimizing risk. Modern portfolio theory, in general, demonstrates that to increase their return, an investor must incur some risk. Risk is the volatility of the expected return of asset classes over time.

Our process includes:

  • Analysis of current position
  • Design of appropriate portfolio
  • Formalization of individualized investment policy statement
  • Implementation of policy
  • Expert monitoring and supervision

We begin the individual portfolio review by analyzing each client's investment objective. These reviews keep the portfolio manager in tune with the client's investment goals and risk tolerance. These goals will provide direction for the financial plan and help us create an investment portfolio that accurately fits our client's needs. It is also important to routinely review objectives and to shift investment strategies as needs, lifestyle situations, and goals evolve. This can include a re-evaluation of:

  • Return expectations
  • Capital preservations
  • Risk tolerance
  • Tax considerations
  • Time horizon
  • Laws and regulations
  • Income requirements
  • Unique circumstances and preferences

To "balance" your portfolio's risk and return, an investor should consider allocating their portfolio among three main asset classes -- stocks, bonds, and cash or stable value investments. 

To determine the appropriate allocation to stocks, a good rule of thumb is to subtract your age from 110. The answer, or result, is the percent of your portfolio that should be allocated to stocks. For example, a 40-year-old investor should have approximately 70% stock allocation (110 - 40 = 70). By following this rule of thumb, an investor reduces their risk as retirement nears.

As we work together, you can expect honest communications from us. You'll have access to reports featuring a clear, concise picture of your portfolio. In addition, fees are fully disclosed on your statements and are based upon the assets under management, not transactions or commissions, so you'll know what you're paying and how it's calculated.

Statements are available on a monthly, quarterly, semi-annual, or annual basis.

Our Trust Investment Committee plays a critical role in the oversight of all investment portfolios.

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. You should always consult an attorney along with a tax professional to determine how to prepare the best estate plan for your situation.

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