Teagan Haddad is a financial advisor at Citizens Securities, Inc. in New York, NY, holding a Series 66 designation with three years of industry experience. Prior to joining Citizens Securities, Haddad worked at JP Morgan Chase Bank, J.P. Morgan Securities, and First Republic Investment Management. Outside of finance, Haddad was involved with Zita's Homemade Ice Cream for seven years. 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 approach includes a digital advisory program and managed accounts, operating as both a broker-dealer and insurance agency.

David Carlor is a ChFC® and holds a Series 66 license with 10 years of industry experience. He is currently with Citizens Securities, Inc. and has previously worked at Northwestern Mutual Wealth Management Company, Northwestern Mutual Investment Services LLC, Northwestern Mutual Life Insurance Company, MoneyTalk Workshops, and Bank of America Merrill Lynch. Citizens Securities, Inc. serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program managed in partnership with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Leon Yuan is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Shenkman Capital Management. His background also includes roles at Baruch College and Citizens Bank. 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’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Charles Lees is a financial advisor at Citizens Securities, Inc. He holds a Series 66 designation and has been with Citizens Securities since 2025. Prior to that, he worked at Citizens Bank (Investor Bank Legacy) and Valley Bank, and has experience in the mortgage industry. 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 that recommends ETF-based portfolios using proprietary algorithms.

Jack Kastenschmidt is a financial advisor at Citizens Securities, Inc. in New York, NY, holding a Series 66 designation with three years of industry experience. His prior work includes roles at Citizens Bank, Bank of America N.A., Merrill, and TIAA-CREF. Citizens Securities serves individual and high-net-worth investors and 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, operating as both a broker-dealer and insurance agency.

Matthew Torres is a financial advisor at Citizens Securities, Inc. in New York, NY, holding Series 63 and Series 65 licenses with two years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and has experience at Citibank. Outside of finance, he was involved with Al's Tutoring in 2021-2022. 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 advisory offerings include a digital advisory program and a Managed Account program, operating as a broker-dealer and insurance agency.

Francis Abanga is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Citigroup and JP Morgan Securities LLC. Outside of his advisory role, he manages a rental property in the Bronx. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating within a structure wholly owned by Citizens Bank, N.A.

Abel Santana is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, and Mutual of Omaha. Outside of his advisory role, he coaches youth softball in Passaic Recreation. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering a range of investment advisory programs as well as brokerage and insurance services. The firm operates both discretionary and non-discretionary platforms and is wholly owned by Citizens Bank, N.A.

Matoumona Kinzonzi is a financial advisor at Citizens Securities, Inc. in New York, NY, holding Series 63 and Series 66 licenses with 16 years of industry experience. Prior to joining Citizens Securities in 2022, Kinzonzi worked at Citigroup, Santander Securities, Merrill, Bank of America, and E*Trade in various roles. 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’s advisory offerings include a digital advisory program and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Terrance White is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds the Series 66 designation and previously worked at Citigroup, Royal Alliance, and Platinum Wealth Solutions of Texas. Outside of his advisory role, he manages a website for a Christmas light installation business. 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 offerings include a digital advisory program with ETF-based portfolios and a Managed Account program, operating as both a broker-dealer and insurance agency.

Jasmine Britton is a financial advisor at Citizens Securities, Inc. with 11 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at J.P. Morgan Securities LLC and JP Morgan Chase Bank from 2014 to 2023. Outside of her advisory role, she serves as a Notary Officer for the State of New Jersey. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm’s offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Michael Cherny is a financial advisor with Citizens Securities, Inc., holding a Series 66 credential and 20 years of industry experience. He previously worked at J.P. Morgan Securities for 12 years and has been involved in several family and commercial real estate businesses. Cherny also serves as a board member for Ice Hockey In Harlem, a nonprofit organization. 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 advisory program with ETF-based portfolios and a managed account program, supported by its status as a wholly owned subsidiary of Citizens Bank, N.A.

C Risque Downes is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Merrill for 19 years before joining Citizens Securities in 2024. 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, operating as a broker-dealer and insurance agency and is wholly owned by Citizens Bank, N.A.

Jose Matias is a financial advisor at Citizens Securities, Inc. with nine years of industry experience. He holds a Series 66 designation and has previously worked at TIAA, J.P. Morgan Securities, 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 advisory offerings include a digital advisory program and a Managed Account program, operating as a broker-dealer and insurance agency.

Paul Casey is a financial advisor with Citizens Securities, Inc. in New York, NY, holding a Series 66 credential and nine years of industry experience. He previously worked at Morgan Stanley for 22 years. Casey serves as chairperson of the board for The Headstrong Project and holds board positions with the National Football Foundation NYC Chapter and World Aquatics, as well as a trustee role at Canisius High School. 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 offerings include a digital advisory program and a Managed Account program, with activities spanning discretionary and non-discretionary business lines.

Robert Kiff is a financial advisor at Citizens Securities, Inc. in New York, NY, holding Series 63, Series 65, and Series 66 credentials with 25 years of industry experience. His prior roles include positions at Cadaret Grant & Co., Inc., Nebari Securities LLC, Riverside Compliance Consulting, LLC, Finovation TECHNOLOGY, LLC, and Jumpstart SECURITIES, LLC. 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, supported by its status as a broker-dealer and insurance agency.

Natalya Bondarchuk is a financial advisor at Citizens Securities, Inc. with a Series 66 designation. She joined the firm in 2024 and has prior experience in various roles outside the financial services industry, including positions at World Spa and L'Adresse. 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, and it operates as a broker-dealer and insurance agency.

Sam Hsiao is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Maxim Group LLC, and T3 Trading Group, LLC. Outside of his advisory roles, he was involved with ECBARGAINS.COM for over a decade. 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 program, which uses proprietary algorithms and client risk assessments to recommend ETF-based portfolios, and a Managed Account program.

Fabio Vozila is a financial advisor at Citizens Securities, Inc. in New York, NY, holding Series 63 and Series 65 licenses with 24 years of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Charles Schwab, HSBC Securities, and SunTrust Investment Services. 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 advisory offerings include a digital advisory program and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Rong Jian Jiang is a financial advisor at Citizens Securities, Inc. with two years of industry experience. His prior work includes roles at Merrill and Bank of America. He is also a beneficial owner of Clear River Consolidated Holdings Inc. outside of his advisory work. 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 offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Michael Gasparino is a financial advisor with Citizens Securities, Inc. in Brooklyn, NY, holding Series 63 and Series 66 licenses and three years of industry experience. He previously worked at JP Morgan Securities, LLC and JP Morgan Chase Bank, N.A. from 2022 to 2025. Outside of his advisory role, he serves as Treasurer and CFO of Cafe Here Inc., managing the company’s finances. 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 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.

William Dinneny is a financial advisor at Citizens Securities, Inc. in New York, NY, holding a Series 66 designation with three years of industry experience. His prior roles include positions at First Republic Bank and its affiliates, Merrill, and Bank of America. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program utilizing proprietary algorithms and a managed account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Sean Connor is a financial advisor at Citizens Securities, Inc. in New York, NY, holding a Series 66 designation with one year of industry experience. He previously worked at Rockefeller Capital Management and Flagstar Bank, among other roles in the financial sector. 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 program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Roshanna Richardson is a financial advisor at Citizens Securities, Inc. with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at firms including JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Prudential Insurance Company of America, and TD Bank N.A. Outside of her advisory role, she is the owner of two business entities, 2819 Eastshire LLC and ProMunn Holdings LLC. 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 recommend ETF-based portfolios tailored to client risk profiles.

David Yawitz is a financial advisor at Citizens Securities, Inc. in New York, NY, holding a Series 66 designation with nine years of industry experience. His prior roles include positions at Ameriprise Financial Services LLC, Bank of America, Merrill, MML Investors Services, Lenox Advisors LLC/Mass Mutual, and Mass Mutual Life Insurance Company. Citizens Securities serves a diverse 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 approach includes a digital advisory program with ETF-based portfolios and a Managed Account program, supported by its status as a broker-dealer and insurance agency.

Alexander Scanga is a financial advisor at Citizens Securities, Inc. in New York, NY, holding Series 63 and Series 66 licenses with 13 years of industry experience. His prior roles include positions at Citibank, Infinex Investments, Popular Community Bank, and HSBC. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.