Financial Advisor

Bill Kern

Bill Kern

Citizens Investment Services | Financial Advisor

As Citizens Investment Services, my top priority is to deliver perspective and clarity on my clients’ overall financial situations. I strive to provide clear guidance on how to achieve the lifestyle they desire for their families given their goals, risk tolerance, and time horizon. Most importantly, I help them prepare for what can go wrong in order to maintain their ability to invest for what can go right. I take the time needed to get to know my clients in order to tailor strategies specific to their overall unique financial situation.

I began my career in financial services in 2009 following 20 years of distinguished service to my country in the Navy as a Naval Flight Officer. I completed three carrier deployments and flew over 40 combat missions in Iraq and Afghanistan. My time in the military fostered a keen adherence to the ideals of integrity, commitment and dedication to excellence; ideals that are at the heart of my business philosophy today.

I earned a degree in economics from Penn State, a master’s degree from the Naval War College, as well as a master’s degree in personal financial planning from Kansas State University. While in the Navy, I taught at the Air Force Academy for three years as an adjunct professor of management, facilitating a course in personal finance to over 150 cadets.

My bride of more than 28 years, Tracey, and I have three boys, Will, Tyler and Cody, and reside in Venetia, PA.


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