Citizens Investment Center

Securities offered through IBA Securities, a division of Broker Dealer Financial Services Corporation. Investment products are not FDIC insured, or insured by any Government Agency, nor are they deposits or obligations guaranteed by Citizens State Bank or Broker Dealer Financial Services Corporation. The purchase of such investments involves risk including the possible loss of principal.

Every investor has unique financial objectives. Because there are so many choices for the individual investor, it is crucial that someone is on you side with the information and experience to guide you to financial freedom.

Our investment executives want to match your individual needs. That is why our representatives are not limited to proprietary products, nor do our professionals receive any incentives to sell a certain product.

Our professionals offer premiere investment services with knowledge and confidence. We believe an informed investor will feel more comfortable with their investment decisions.

Our goal is to see every client gain freedom from financial worry. We want you to experience a life that is meaningful to you. This is true wealth. Achieving this is SIMPLE, but it is not easy. We provide valuable investment insight to investors in every season in life.

Our commitment is to create long-lasting, trusting relationships with clients. We accomplish this by dedicating our time, our service and our energy toward continually meeting our clients' needs. Our investment executives practice this philosophy by carefully listening to the unique concerns of each individual. Because we care about you, our representatives only provide recommendations that best serve each investor's distinctive needs.

In a phrase, we live by the Golden Rule: We care for people the way we want to be cared for.

Link to Broker Check via FINRA:

If you are interested in learning more about the choices available to help you meet your long-term and short-term goals, please contact:

  • Representatives:
    • Judy Gogel 319-465-6800 
    • Brian Gogel at 319-465-6800
  • Administrative Assistants
    • Kelly Buresh or Connie Reyner at 319-465-6800

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IBA Securities

Citizens Investment Center has contractual agreements with IBA Securities to offer investment and insurance services and Investment Advisors Corp. to offer advisory services to their customers.  IBA Securities is a division of Broker Dealer Financial Services Corp. (BDFSC) located in West Des Moines, IA.  Investment Advisors Corp. is an SEC registered investment advisor.  BDFSC provides training and operations support for Citizens Investment Center registered representatives and over 75 other banks in the state of Iowa.  BDFSC is a member of the Financial Regulatory Authority (FINRA), Securities Investor Protection Corp. (SIPC) and the National Association of Independent Broker Dealers (NAIBD).


Clearing Services

First Clearing Correspondent Services (First Clearing) provides a comprehensive suite of solutions to help full-service and independent, unaffiliated retail broker dealers run more efficiently, grow more confidently and protect more effectively.  These include trade execution and clearance, securities settlement, record keeping, client confirmations and statements, broker workstation technology, access to the full-range of investment products and services, and a unique growth-consulting program to help adivsors take their businesses to the next level.  First Clearing: Your Clear Advantage.


Account Protection

Broker Dealer Financial Services and First Clearing are members of the Securities Investor Protection Corporation (SIPC).  SIPC protects clients against the custodial risk of a member brokerage firm becoming insolvent by replacing missing securities and cash up to $500,000, including up to $250,000 in cash, per client in accordance with SIPC rules.  (Note that SIPC coverage is not the same as nor is it a substitute for FDIC deposit insurance; securites purchased through First Clearing are not FDIC insured). 

Above and beyond SIPC coverage, First Clearing maintains additional insurance coverage provided through London Underwriters (led by Lloyd's of London Syndicate) ("Lloyds").  For clients who have received the full SIPC payout limit, First Clearing's policy with Lloyd's provides additional coverage above the SIPC limits for any missing securities and cash in client brokerage accounts up to a firm aggregate limit of $1 billion (including up to $1.9 million for cash per client).  In other words, the aggregate amount of all client losses covered under this policy are subject to a limit of $1 billion, with each client covered up to $1.9 million for cash.

Please not that coverage provided by SIPC and Lloyd's does not protect against loss of market value of securities. 


Securities are offered through Broker Dealer Financial Services Corp. (BDFSC) and advisory services are offered through Investment Advisors Corp. (IAC).  Securities products are not FDIC insured, or insured by any Government Agency, nor are they deposits or obligations guaranteed by Citizens State Bank, BDFSC or IAC.  The purchase of such securities involves risk including the possbile loss of principal. 

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