Broker Check

207 West Main Street, Whitewater, WI 53190

(262) 473-1408
FCIS@firstcitizensww.com
Client Login

About Us

Guidance Built On History & Relationships Built To Last

First Citizens Investment Services is located in First Citizens State Bank, a community institution whose history dates back to 1863. That kind of history is built over time through steady service, lasting relationships, and a commitment to showing up for people year after year. Since our investment program was established in 1997, our team has carried that same approach forward by helping clients think through important financial decisions, prepare for the future, and work with a team that plans to be here for the long run.

We Look Beyond The First Question

We Look Beyond The First Question

You may come in with one specific task or question on your mind, but the conversation often leads somewhere deeper. A retirement question may connect to taxes. An investment decision may affect insurance, estate planning, or employee benefits. That is why we take time to look at the full picture. By understanding what is happening across your financial life, we can offer guidance that is more thoughtful, more connected, and more useful over time.

We Explain The “Why” Behind Your Plan

We Explain The “Why” Behind Your Plan

We believe you should leave a meeting with more than a recommendation. You should leave with a clear understanding of what decisions were made, why they matter, and how they support your bigger goals. Education is an important part of how we serve, because when you understand your options, you can move forward with greater clarity and confidence.

Our Core Values: A Guiding Compass

The way we work is shaped by relationships, education, and a commitment to seeing the full picture. These values not only help guide how we serve, they also define what clients can expect from our team and why our client relationships endure.

Holistic Planning For The Full Picture

We look beyond the easy answers to understand everything going on in each client's financial life. The most important conversations are often the ones that are not on the agenda.

Confidence Through Education

Understanding is one of the most important things we can provide for the people we serve. When people know what they own, why they own it, and what it's doing for them, they make better decisions.

Built On Decades Of History

Our firm has been in this community for decades, and the bank has been around since the 1860s. That history is a promise of our commitment to stick around long after the meeting ends.

Multigenerational Care

Our clients are like family. Some have been working with us for decades. Many have referred their children and loved ones. Our clients get a team who knows them, and who takes building relationships seriously.

Partnership Starts With One Conversation & Grows Over Time

Partnership Starts With One Conversation & Grows Over Time

In many cases, our client relationships last for decades and often expand to include children, loved ones, and other important people connected to the family. That happens because we take time to know you, remember what matters to you, and treat your financial life with the care it deserves. For our team, financial planning and investment management is personal, and the relationship matters just as much as what we do for you.

Are You Ready To Retire? Let’s Find Out.

Whether you are thinking about retirement, reviewing benefits, or looking for a more complete financial roadmap, our team is here to help you organize the details, weigh your options, build your plan, and take the next step.

Schedule A Consultation

Frequently Asked Questions About Our Firm


Learn more about our team, our connection to First Citizens State Bank, and the planning services we provide in Whitewater and across Wisconsin.

  • Who is First Citizens Investment Services in Whitewater, WI?

    First Citizens Investment Services is the wealth management and financial planning team located at First Citizens State Bank the in Whitewater, East Troy, Fort Atkinson, and Palmyra areas, Wisconsin. We work with individuals, families, retirees, and professionals who want help organizing the details of their financial lives and planning for what comes next.

  • How is First Citizens Investment Services connected to First Citizens State Bank?

    First Citizens Investment Services is locatd at First Citizens State Bank, a community bank with roots dating back to 1863. That connection reflects the long-term, relationship-based way we serve clients and the importance we place on being part of the communities we serve.

  • Why does your history matter to clients?

    History matters because it reflects consistency and commitment. Located at First Citizens State Bank, our team is employed by an institution that has served this community for generations. That long view influences how we work with clients today and plan for tomorrow and beyond.

  • What makes First Citizens Investment Services different from other financial advisors in Wisconsin?

    Our team combines a comprehensive planning process, an educational approach, and deep local roots. We look beyond the first question, help clients understand what they own and why, and build recommendations around the full picture of their financial lives rather than focusing on one product or one decision at a time.

  • Do you offer retirement planning in Whitewater, WI?

    Yes. Many of the people we serve are preparing for retirement or are already retired. We help clients think through retirement income, timing, benefits, investments, and the other decisions that shape the road ahead. One of the most common questions we help answer is whether someone has what they need to retire.

    Although we work with a wide range of pre-retirees and retirees, we specialize in retirement planning for teachers, university employees, WHEDA employees, and other public service professionals connected to the Wisconsin Retirement System (WRS). Because we understand WRS, ETF (Employee Trust Funds), and the planning questions that often come with pensions and benefits, we can help clients make more informed decisions about their retirement and income.

Working Together With:

Explore Cetera

Meet The Team

Get to know the experienced team guiding clients with care, education, and long-term commitment.

Get To Know Us

How We Work

See how we help clients organize the details, define their goals, and build a roadmap around the full picture.


Explore Our Approach

Start The Conversation

Reach out to begin building a financial roadmap shaped around your life and goals.

Contact Our Team