Charlotte, NC Congress St. Office
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Citizens Securities, Inc.
Enterprise
Firm-wide stats for Citizens Securities, Inc.
About
Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, and offers both investment advisory programs and brokerage and insurance services. Its advisory offerings include a digital advisory program (managed in partnership with SigFig) and a separate Managed Account program, while the firm also operates as a broker-dealer and insurance agency.
The Digital Advisory Program recommends ETF-based portfolios using the Manager’s proprietary algorithms and a client risk-tolerance questionnaire (age, time horizon, income, liquid assets and savings rate) and can implement portfolios on a discretionary basis with optional tax-loss harvesting. That digital platform represents a small portion of the firm’s advisory activity (Digital Advisory Program assets were $29,651,864 as of December 31, 2024) while the firm also conducts commission-based brokerage and other non-discretionary business, which helps explain why much of the firm’s overall activity is not limited to discretionary advisory assets.
Distinctive aspects disclosed in the brochure include that Citizens Securities is 100% owned by Citizens Bank, N.A., and uses a proprietary Bank Deposit Sweep Program (BDSP) that generates credits and revenue sharing with the program custodian; the firm also discloses referral and affiliate arrangements and a small indirect ownership stake (less than 1%) in the Manager through Citizens Ventures/Nvest. The brochure further notes the firm is no longer accepting new Digital Advisory Program accounts as of December 8, 2024, and describes the potential conflicts and supervisory safeguards that arise from its combined bank, broker-dealer, and advisory roles.
Based on Citizens Securities, Inc.
Location
4250 Congress St.
Charlotte NC 28209
Advisors at this office
3
Advisors at this office
Tamir H
Series 63, Series 65
Charlotte, NC
Citizens Securities, Inc.
Tamir Hornesby is a financial advisor at Citizens Securities, Inc. in Charlotte, NC, holding Series 63 and Series 65 licenses with 22 years of industry experience. His prior roles include extended tenure at TIAA-CREF and positions at Ameriprise, Wells Fargo Clearing Services, and ABC Investment Management. Outside of finance, he maintains occasional hospitality and airline roles to accommodate family travel. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory platform includes a digital advisory program using proprietary algorithms for ETF portfolios, as well as a managed account program.
Stacy B
Series 63, Series 66
Charlotte, NC
Citizens Securities, Inc.
Stacy Bortle is a financial advisor at Citizens Securities, Inc. in Charlotte, NC, with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Sanford C. Bernstein & Co., LPL Financial, and First Citizens Asset Management. Outside of her advisory role, she maintains independent distributorships for nutrition products and participates in online resale activities. 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’s advisory offerings include a digital advisory program and a Managed Account program, with integrated bank, broker-dealer, and advisory operations under Citizens Bank ownership.
John H
Series 63, Series 65
Charlotte, NC
Citizens Securities, Inc.
John Harrigan is a financial advisor at Citizens Securities, Inc. in Charlotte, NC, holding Series 63 and Series 65 licenses with 20 years of industry experience. His prior roles include positions at Morgan Stanley, Wells Fargo Clearing, and a variety of other financial firms. He has been with Citizens Securities since 2026. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering both investment advisory programs and brokerage and insurance services. The firm provides a digital advisory program managed with proprietary algorithms and a Managed Account program, and operates as a broker-dealer and insurance agency.
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