Citizens State Bank, your Hometown Indiana Bank.

Investment Services


Citizens State Bank Investment Services

When it comes to investing for your retirement, which is better: accumulating reasonable yearly gains or having years with exceptional returns combined with years of losses?  While occasional large, positive gains may look attractive, more consistent performance may ultimately provide the consistent returns to meet your objectives.

Chris Gadacz, Financial Advisor, Rep On Demand, with Citizens Investment Services, can help make the process easier, working with you to ensure that your views about investing are taken into consideration.  Together we can determine the best use of your assets according to your objectives.

We want to make it easier to manage your funds and get the results you desire for your investments.  Here you will find convenient access to full-service brokerage resources including:

  • Mutual funds
  • Insurance products including fixed and variable annuities, life insurance and long-term care insurance
  • Retirement plan services and more

Get started on retirement planning or bring your existing retirement plan to Citizens Investment Services for thoughtful, professional investing help! Email Citizens Investment Services ( or call 888-529-5450 and ask for Investment Services today!


Check the background of this investment professional on FINRA's BrokerCheck.

Securities and insurance products offered through Cetera Investment Services LLC, Member SIPC/FINRA.

Investments are:     * not FDIC/NCUSIF insured     * may lose value     * not financial institution guaranteed    

* not a deposit    * not insured by any federal government agency

Cetera is not affiliated with the financial institution where investment services are being offered.

View Cetera Investment Services privacy policy and other important information.

Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states.  Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements.  The information on this website is for U.S. residents only and does not constitute an offer to purchase brokerage services to persons outside of the United States.