Royal Oak, MI 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
200 South Main St., Mailstop: Mib775
Royal Oak MI 48067
Advisors at this office
2
Advisors at this office
Mark L
Series 63, Series 65
Royal Oak, MI
Citizens Securities, Inc.
Mark Loduca is a financial advisor with Citizens Securities, Inc. in Royal Oak, MI, holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior roles include positions at Pruco Securities, LLC, The Prudential Insurance Company of America, and ProEquities, Inc. Outside of finance, Loduca is involved in music entertainment, performing jazz and working as a recording artist and studio musician. Citizens Securities, Inc. 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 a digital advisory platform and managed accounts, operating as a broker-dealer and insurance agency with affiliation to Citizens Bank, N.A.
Christopher M
Series 63, Series 65
Royal Oak, MI
Citizens Securities, Inc.
Christopher Mikell is a financial advisor at Citizens Securities, Inc. with 16 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at JPMorgan Securities LLC and Charles Schwab. He serves as a board member of the Royal Oak First United Methodist Church, where he participates in governance and human resources functions. 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 a digital advisory program and a Managed Account program while operating as both a broker-dealer and insurance agency.
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