San Francisco, CA 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
101 California Street
San Francisco CA 94111
Advisors at this office
4
Advisors at this office
Keith G
Series 66
San Francisco, CA
Citizens Securities, Inc.
Keith Gentry is a financial advisor with Citizens Securities, Inc. in San Francisco, CA. He holds a Series 66 designation and has 14 years of industry experience. His work history includes multiple roles at Citizens Securities, Inc. and Clarfeld. Outside of his advisory work, he plays drums in a band called The Felt. 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 discretionary and non-discretionary platforms and is wholly owned by Citizens Bank, N.A.
Laura Y
Series 63, Series 66
San Francisco, CA
Citizens Securities, Inc.
Laura Yick is a financial advisor with Citizens Securities, Inc. in San Francisco, holding Series 63 and Series 66 licenses and possessing 24 years of industry experience. She previously worked at J.P. Morgan Securities and First Republic Securities Company, LLC. Yick serves as a director on the Aliomanu Estates condo association board in Kauai. 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 a digital advisory platform and a Managed Account program while operating as a broker-dealer and insurance agency.
Jordan S
Series 66
San Francisco, CA
Citizens Securities, Inc.
Jordan Staveley is a financial advisor at Citizens Securities, Inc. in San Francisco, CA, holding a Series 66 designation with five years of industry experience. His prior work history includes six years at Merrill and roles with the Defense Contract Audit Agency and Citizens Bank. Citizens Securities serves individual and high-net-worth investors and individual retirement plans through investment advisory programs, brokerage, and insurance services. The firm operates a digital advisory platform alongside managed accounts and leverages its status as a broker-dealer and insurance agency.
Michael S
Series 66
San Francisco, CA
Citizens Securities, Inc.
Michael Solis is a financial advisor at Citizens Securities, Inc. with 21 years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Chase Bank and First Republic Investment Management. Outside of his advisory work, he is involved in local youth sports as an umpire for the Bollinger Canyon Little League and San Ramon Baseball Umpires Association. Citizens Securities serves a diverse 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 a focus on ETF-based digital portfolios and commission-based brokerage activities.
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