David Reynolds is a Certified Financial Planner® at Citizens Securities, Inc. in Rochester, NY, with 25 years of industry experience. He has worked at Citizens Securities since 2014 and spent a year at LPL Financial prior to that. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory platform and managed account programs, operating as a broker-dealer and insurance agency, and is wholly owned by Citizens Bank, N.A.

Hillary Beldue is a financial advisor at Citizens Securities, Inc. in Rochester, NY, with 11 years of industry experience. She holds Series 63 and Series 65 licenses. In addition to her advisory role, she serves as a trustee for the Supplemental Needs Trust and is a Notary Public. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm employs a variety of investment approaches, including a digital advisory program that uses proprietary algorithms to recommend ETF-based portfolios.

Derek Hayner is a financial advisor at Citizens Securities, Inc. in Rochester, NY, holding a Series 66 designation. He has been with Citizens Securities since 2026 and has prior work experience at BMW of Rochester and Delta Sonic. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory approach includes a digital program with ETF-based portfolios managed via proprietary algorithms, alongside commission-based brokerage and non-discretionary services.

Kristin Holbrook is a financial advisor at Citizens Securities, Inc. in Rochester, NY, with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citizens Securities since 2015. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers both advisory programs and brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, and it operates as a broker-dealer and insurance agency.