Daryl Oar is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses and with 33 years of industry experience. He has worked at Citizens Securities since 2008. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm’s advisory offerings include a digital advisory program managed in partnership with SigFig and a Managed Account program, and it operates as a broker-dealer and insurance agency.

Darren Butler is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. 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’s advisory approach includes a digital platform and managed accounts, operating as part of Citizens Bank, N.A.

Megan Dozier is a financial advisor at Citizens Securities, Inc. with three years of industry experience. She holds the Series 66 designation and previously worked at Equitable Advisors for two years. Prior to her financial services career, she spent several years in roles at St. Lawrence University, Rowan University, and A Service Company, Inc. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, including a digital advisory program that uses proprietary algorithms to manage ETF-based portfolios.

Ping Lin is a CFP® professional with 15 years of industry experience currently serving at Citizens Securities, Inc. in Syracuse, NY. Prior to joining Citizens Securities in 2024, Lin worked at Charles Schwab and HSBC Securities (USA) Inc., with a combined seven years at the former institutions. 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 operates a digital advisory program utilizing ETF-based portfolios guided by proprietary algorithms and client risk profiles, complemented by a Managed Account program and commission-based brokerage services.

Nicholas Caracci is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses with 10 years of industry experience. He has been with Citizens Securities and related entities since 2015. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm’s investment advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Shawn Holahan is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of his advisory roles, he has been involved with the Boy Scouts of America through the National and Senca Waterways councils. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program focused on ETF-based portfolios as well as managed accounts, operating as both a broker-dealer and an insurance agency.

Nicholas Dzielski is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at W&S Brokerage Services, Western and Southern Life, and Northwestern Mutual. His background also includes roles outside finance, such as positions at Pittsburgh National Golf Club and Winwood Day Camp. 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’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, operating as a broker-dealer and insurance agency within a banking organization.

Joseph Muratore is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Citizens Securities since 2017 and M&T Securities since 2015. 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 operates both a digital advisory program with ETF-based portfolios and a managed account program, while also functioning as a broker-dealer and insurance agency.

Jackson Tarr is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds the Series 66 designation and has previously worked at MML Investors Services, LLC, MassMutual Life Insurance Company, and several independent school districts. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory program and a Managed Account program.

Brian Pirritano is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 66 licenses with 11 years of industry experience. Prior to joining Citizens Securities in 2025, he worked for HSBC Securities (USA) Inc. from 2016 to 2025. He serves as a board member of a homeowners association in his local community. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm provides a digital advisory program using ETF-based portfolios and also operates as a broker-dealer and insurance agency.

James Finlay is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has spent several years with Citizens Securities and Citizens Bank in various roles since 2016. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm has both a digital advisory program utilizing ETF-based portfolios via proprietary algorithms and a Managed Account program.

Ryan Falsone is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Key Investment Services, Key Bank National Association, HSBC, Northwest Bank, and Collins & Collins LLC. He also worked at Hobart & William Smith Colleges for four years. Citizens Securities serves individual and high-net-worth investors with investment advisory, brokerage, and insurance services. The firm offers both digital and managed account advisory programs and operates as a broker-dealer and insurance agency.

David Reynolds is a CFP® professional with 25 years of industry experience, currently advising at Citizens Securities, Inc. since 2014. He holds Series 63 and Series 65 licenses and is based in Syracuse, NY. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors and retirement plans, offering both advisory programs and brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Stephen Rockhill is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding Series 65, Series 63, and Series 66 licenses and possessing 26 years of industry experience. His prior roles include positions at Charles Schwab Bank, Charles Schwab, TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors as well as individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, incorporating both digital ETF-based portfolios managed with proprietary algorithms and traditional commission-based brokerage activities.

Delanie Di Donato is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation and eight years of industry experience. She previously worked at Morgan Stanley for three years before joining Citizens Securities, where she has served since 2017. 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 provides both digital and managed account advisory solutions and operates as a broker-dealer and insurance agency.

Cindy Ziegler is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She has been with Citizens Securities since 2005. Outside of her advisory role, she serves as a power of attorney for two individuals and assists with bookkeeping and administration for a family business on a limited basis. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program featuring ETF-based portfolios tailored through proprietary algorithms and client risk assessments, in addition to a Managed Account program.

Justin Owens is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 credential and five years of industry experience. Before joining Citizens Securities in 2023, he worked at Thrivent Financial and Thrivent Investment Management Inc. from 2021 to 2023. He serves as a mentor for adults with developmental disabilities through Advocates Inc. 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’s investment approach includes a digital advisory program using ETF-based portfolios guided by proprietary algorithms and client risk profiles.

Travis Walls is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation and seven years of industry experience. His prior positions include roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Merrill, and Bank of America. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage services, and insurance solutions. The firm provides digital and managed account advisory options and operates as both a broker-dealer and insurance agency.

Timothy Osgood is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, with one year of industry experience. He holds the Series 66 designation and previously worked at New York Life Insurance and St John Fisher University. Outside of finance, he has experience with RDF Property Solutions and involvement in the arts through Geva Theatre. 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 provides both a digital advisory program with ETF-based portfolios and managed account services, operating as part of Citizens Bank, N.A.

Furqan Hassan is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Premier Client Group. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm features a digital advisory program that recommends ETF-based portfolios using proprietary algorithms alongside a Managed Account program.

David Levy is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 credential with four years of industry experience. He previously worked at Hornor, Townsend & Kent, LLC and has experience in life insurance brokerage as a non-selling registered assistant focused on special needs planning. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, providing investment advisory programs alongside brokerage and insurance services. The firm offers digital and managed account advisory programs and operates as both a broker-dealer and insurance agency.

William Dinneny is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, with four years of industry experience. He holds the Series 66 designation and has previously worked at First Republic Bank, First Republic Investment Management, Merrill, and Bank of America. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm’s offerings include a digital advisory program managed in partnership with SigFig and a Managed Account program, operating as a broker-dealer and insurance agency.

Dustin Smith is a financial advisor at Citizens Securities, Inc. based in Syracuse, NY, holding Series 63 and Series 65 designations with 29 years of industry experience. His career includes roles at City National Bank and RBC Capital Markets. 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’s advisory offerings include a digital advisory program and a Managed Account program.

Hillary Beldue is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 credentials with 11 years of industry experience. She has been with Citizens Securities since 2015 in various roles. Outside of her advisory work, she serves as a trustee for a Supplemental Needs Trust and is a Notary Public. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering both advisory programs and brokerage and insurance services. The firm provides a digital advisory program based on proprietary algorithms as well as managed accounts, and operates as a broker-dealer and insurance agency.

Brian Hoeckh is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has been with Citizens Securities since 2010. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory platform utilizing proprietary algorithms and a Managed Account program.

Sean Connor is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Rockefeller Capital Management and Flagstar Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm provides both a digital advisory program featuring ETF-based portfolios managed through proprietary algorithms and a Managed Account program.

Brian Hayner is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Citizens Securities since 2005. Outside of his advisory role, he is a partner in a rental property company. Citizens Securities serves individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital program managed with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Tyler Marriott Wells is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation and six years of industry experience. Prior to joining Citizens Securities in 2021, he worked at Edward Jones from 2019 to 2021. 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 utilizes both a digital advisory platform and traditional managed accounts, operating as a broker-dealer and insurance agency under full ownership by Citizens Bank, N.A.

Richard Hulburd is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses and five years of industry experience. His career has been entirely with Citizens Bank and its affiliated entities since 2014. Outside of his advisory role, he operates a YouTube channel focused on weather reporting and storm chasing. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering both advisory and brokerage services. The firm provides various investment programs, including a digital advisory platform that uses ETF-based portfolios guided by proprietary algorithms and client risk assessments.

Derek Hayner is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation. He has one year of industry experience and previously worked in retail and automotive sectors, including roles at BMW of Rochester and Delta Sonic. Citizens Securities serves a broad retail client base with investment advisory, brokerage, and insurance services. The firm offers digital and managed account programs, catering to individual and high-net-worth investors as well as retirement plans.

Kristin Holbrook is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses with 10 years of industry experience. She has been with Citizens Securities since 2015. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, with advisory offerings that have included a digital advisory program utilizing proprietary algorithms and a Managed Account program.

Edward Lynch is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation with one year of industry experience. His previous roles include positions at PwC and Citi, as well as work with Animal Mansion. Citizens Securities serves individual and high-net-worth investors and offers investment advisory, brokerage, and insurance services. The firm’s offerings include a digital advisory program and a Managed Account program, serving a broad retail client base.

Timothy Odell is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Citizens Securities, he worked at Equitable Advisors, LLC and has served in the United States Army Reserve since 2024 as a Medical Operation Officer. His background also includes military service in the United States Army and Air Force Reserve. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers both investment advisory programs and brokerage and insurance services, featuring a digital advisory platform and managed account programs.

Joseph Feeney is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation with 10 years of industry experience. His prior experience includes roles at Equitable Advisors and Axa Advisors, LLC. Citizens Securities serves a diverse retail client base, including individual investors, high-net-worth individuals, and retirement plans, offering both advisory programs and brokerage and insurance services. The firm operates a digital advisory program using proprietary algorithms alongside commission-based brokerage and non-discretionary services.