Estate Planning & Wealth Transfer

A number of Financial Advisors at Citadel available through CFS* specialize in estate planning and wealth transfers to beneficiaries in the event of a loved one passing. We understand that life can throw you unexpected curves, but we're here to help. Our Financial Advisors will discuss with you wealth transfer strategies, offer you an estate planning service and much more.

Contact us or a complimentary consultation about our investment management options today.

What It Is

Once you have planned for retirement and invested wisely, it's time to focus on how your assets will be managed in the event of your death.

What You'll Get

Estate Planning

We’ll sit down with you and create a plan that manages your assets and helps to ensure you have everything you need to document what will happen to your wealth.

investment management

Tax-Efficient Strategies

Our Financial Advisors will focus on tax-efficient strategies, so you feel confident in your future estate allocation.

investment management

Wealth Transfer

In the event of a loved one passing, we’ll work closely with your accountants and attorneys to ensure a smooth transfer of wealth. The advisors at Citadel, available through CFS*, offer personalized wealth transfer strategies that minimize inheritance tax obligations.

investment management


*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of Citadel, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Citadel has contracted with CFS to make non-deposit investment products and services available to Citadel members. CUSO Financial Services, L.P. (CFS) does not provide tax or legal advise, For such guidance, please consult your tax and/or legal advisor.

Best For...
Planning Your Estate
Transferring Inheritance Wealth
Creating Tax-Saving Strategies

Are my current retirement savings sufficient?

Are my current retirement savings sufficient?

One method of retirement planning is to project what you are currently saving and have accumulated to date and see if you will have enough to meet your retirement objectives. Use this calculator to determine when/if the money will run out during retirement and it will recommend additional savings if required.

Start Calculator

Retirement Savings and Assumptions

Your current age (1 to 120)

1 120

Current annual income($)

$0 $1,000,000

Annual pension benefit at retirement($)

$0 $1,000,000

Spouse's annual income (if applicable)($)

$0 $1,000,000

Current annual savings amount($)

$0 $1,000,000

Current retirement savings amount($)

$0 $2,000,000

Current annual savings increases (0 to 10%)

0% 10%

Expected inflation (0 to 10%)

0% 10%

Desired retirement age (1 to 120)

1 120

Number of years of retirement income (1 to 40)

1 40

Income replacement at retirement (0% to 300%)

0 300%

Pre-retirement investment return (-12% to 12%)

-12% 12%

Post-retirement investment return (-12% to 12%)

-12% 12%

Social Security override amount($)

$0 $4,000
Marital status
Include Social Security benefits?
Pension increases with inflation?

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Introducing Citadel Video Connect

Chat face-to-face with a Citadel Video Specialist in a secure environment from the comfort of home on your laptop, desktop computer, or mobile device using the Citadel Video Connect app. Please be sure to have your photo ID ready prior to beginning the call. Choose Video Connect above, or learn more about our Video Banking options.

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Frequently Asked Questions

What is a living trust?
A living trust is a legal document created by the grantor during their lifetime and spells out your desires in regards to your assets, dependents and heirs.
What is estate planning?
The process of deciding what should happen to your assets & estate in specific situations.
Does Citadel offer wealth transfer strategies?
We do provide wealth management strategies through our relationship with CUSO Financial Services, LP. This includes guidance on how to grow, preserve and protect your assets.
Does Citadel offer wealth management strategies?
Yes we offer wealth management strategies based on our knowledge and experience of market trends and an individual's financial goals.
What is wealth management?
Wealth management combines financial planning with considerations to estate planning, tax and other financial ramifications.

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