Citizens Securities does not provide tax or legal advice. Please consult or tax or legal advisor for such guidance. Securities and advisory services are offered through Citizens Securities, a division of Citizens Securities LLC. Citizens Securities LLC is a registered broker/dealer, Member FINRA and SIPC and a Registered Investment Advisor. Insurance is offered through Citizens Securities LLC or its affiliates. Securities are: NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT A BANK DEPOSIT.