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Citizens Financial Services


Citizens Financial Services: Investments, Financial Planning, Insurance. Established 1986

Busy lifestyles and multiple priorities make successful investing more challenging than ever. In today's complex and ever changing financial marketplace, it's important to take a team approach to preparing for your financial future. When you join with your Citizens Financial Services representative and Cetera Investment Services, you create a powerful team.

We want your experience to be as simple and streamlined as possible.  We manage all the behind the scenes work, so you can enjoy life without worrying about your investments and how they are being taken care of.  We strive to help you reach your goals in an organized, efficient, and caring manner.

Your Financial Future: Dream It, Plan It, Do It.
 Visit our website at
Mike Cullinane
Investment Adviser Representative
1300 N. Main ♦ McPherson

For immediate questions you can email Mike at:


Steve Nikkel
Investment Adviser Representative
Locations in Moundridge, Hesston & Newton

For immediate questions you can email Steve at:



Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.  Advisory services can only be offered by Investment Adviser Representatives.

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.

Click here to view Cetera Investment Services Privacy Policy and other Important Information.