Citizens Bank and Trust Company  
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Investments Options


ERISA 3(38)
Investment Managers
We can serve as an ERISA 3(21) co-fiduciary or an ERISA 3(38) fiduciary where we can act as a discretionary investment manager shifting
fiduciary obligations on plan investments from you, the Plan fiduciaries.

On-Site Advisors
We have built our service model around our commitment to being your comprehensive
Fiduciary Partner. We believe in face-to-face contact and can provide ongoing participant education through our on-site advisors.

Do it For Me Strategy
For those that want a “do-it-for-me” strategy, we have Risk-Based Managed Accounts
available, eliminating the stress from participants having to make a selection.

Gap Analysis
Are your employees on track to reach their retirement goals? We offer face-to-face
delivery of individualized reports for participants to show them how much they
need to be saving to reach their goals.

Registered Representative, Securities offered through Cambridge Investment
Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Citizens Bank & Trust,
Cambridge and Lawing Financial, Inc are not affiliated. Investments are not
FDIC insured, are not bank products and may lose value.
Investment Advisory Services offered through Lawing Financial Inc,
A Registered Investment Advisor. Lawing Financial doing business as
Qualified Plan Advisors (QPA)
QPA Corporate Headquarters:
6201 College Blvd | 7th Floor Overland Park KS 66211
Phone: 913-491-6226 Fax: 913-491-3214

This communication is strictly intended for individuals residing in the states of  Arizona, California,  Florida, Illinois,  Iowa, Kansas and Missouri.  No offers may be made or accepted from any resident outside these states.