Citizens Trust

At CitizensTrust, a division of Citizens Business Bank, we understand that personal investing is not a one-size-fits-all journey. With over 100 years of experience in asset management, our unwavering focus has always been on you, our valued customer. We recognize that your investment needs, goals, and strategies are as unique as you are.

The CitizensTrust Wealth management team specializes in planning that’s tailored to you, your goals, and your vision

Citizens Business Bank is not a registered broker/dealer. Trust and Wealth Management are provided by CitizensTrust Wealth Management.

Not Insured By FDIC or Any Other Government Agency ● Not Bank Guaranteed ● Not Bank Deposits Or Obligations ● May Lose Value

CitizensTrust Wealth Management Team

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Market Perspectives

Second Quarter, 2025

by Donald Evenson

Chief Investment Officer at CitizensTrust

Important Disclosure: CitizensTrust is a division of Citizens Business Bank. Trust and Wealth Management are provided by CitizensTrust Wealth Management. This recording provided is for informational purposes only, and provides an opinion on economic outlook and not investment advice. All expressions of opinion in this recording are subject to change in reaction to shifting market conditions. The information provided is also not offered with a product or service. This information is not intended to be a substitute for specific tax, legal, or investment planning advice. We suggest that you discuss any specific questions you may have following the listening of this recording with your qualified tax, legal, or investment advisor.

Investment Services

With the customized and hands-on support of CitizensTrust Investment Services, your investment strategies will be thoroughly evaluated, honed, and designed to seek the maximum return on your investment and match your overall objectives.

CitizensTrust Investment Services Team

Check the background of CitizensTrust Investment Services professionals associated with this site.

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

Citizens Business Bank provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.