Citizens Private Wealth

Tobias Tolino is a Series 65-licensed financial advisor with 12 years of industry experience. He has worked at Citizens Private Wealth since 2020 and previously spent six years at Richter Bober Asset Management, LLC. Tobias is currently affiliated with Citizens Bank and Citizens Securities, Inc. Citizens Private Wealth is a registered investment adviser and a subsidiary of Citizens Bank, N.A., serving high-net-worth individuals, families, pension and profit-sharing plans, business entities, trusts, estates, and charitable organizations. The firm employs an open-architecture investment platform with a range of strategies and offers integrated banking, brokerage, and insurance solutions through its affiliation with Citizens Bank.

Robert Varriano is a CFP® professional with seven years of industry experience. He is currently with Citizens Private Wealth, a subsidiary of Citizens Bank, N.A., and has worked at Clarfield Financial Advisors, Inc. since 1990. Citizens Private Wealth provides investment management and retirement plan consulting to high-net-worth individuals, families, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm uses an open-architecture platform incorporating various investment strategies and benefits from its integration with Citizens Bank to offer a broad range of financial solutions.

Lester Satlow is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. He holds the CFP® and CFA® designations and has worked at various entities within the Citizens organization since 2017, as well as New England Investment & Retirement Group, Inc. from 2014 to 2017. He serves as chairperson of the Investment Committee at Temple Emanuel in Andover, MA. 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 utilizes both digital and managed account advisory platforms and operates as a broker-dealer and insurance agency.

Zachary Noke is a financial advisor at Citizens Securities, Inc. in Boston, MA, with three years of industry experience. He holds a Series 66 designation and has previously worked at firms including JP Morgan Chase Bank, N.A. and MassMutual Life Insurance Company. 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 with ETF-based portfolios and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Anita Bosch is a financial advisor at Citizens Securities, Inc. with 19 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Citigroup Global Markets and Cramer and Associates. She serves as a board member of the Moxxie Mentoring Foundation, assisting with strategic planning and implementation. 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 operates both digital and managed account advisory programs and is wholly owned by Citizens Bank, N.A.

Nicholas Pirrotta is a CFP® with four years of industry experience, currently serving at Citizens Private Wealth. He has been with Citizens Private Wealth since 2005 and has held roles at Citizens Bank and Citizens Securities, Inc. He serves on the boards of Greater Mental Health of NY and the Mental Health Association of Westchester, chairing the Audit Committees for both organizations. Citizens Private Wealth, a subsidiary of Citizens Bank, provides investment management and retirement plan consulting to high-net-worth individuals, families, pension plans, trusts, estates, and charitable organizations. The firm employs an open-architecture platform with diverse asset allocation strategies and integrates banking, brokerage, and insurance solutions through affiliated entities.

Brian Furleiter is a CFP® with six years of industry experience, currently serving as an advisor at Citizens Private Wealth, a subsidiary of Citizens Bank. He previously worked at AXA Advisors, LLC before joining Clarfeld Financial Advisors, LLC, which operates as Citizens Private Wealth. Outside of his advisory role, he is a co-creator and self-published author of a basketball book available on Amazon. Citizens Private Wealth provides investment management and retirement plan consulting to high-net-worth individuals, families, pension plans, trusts, estates, and charitable organizations. The firm employs an open-architecture platform with tactical asset allocation and offers a range of investment strategies, leveraging its corporate affiliation with Citizens Bank to provide integrated banking and brokerage solutions.

Derek Engen is a financial advisor with Citizens Securities, Inc. in San Francisco, holding CFP® and PFS™ designations and four years of industry experience. His prior roles include positions at First Republic Investment Management and J.P. Morgan Securities. Citizens Securities serves individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm features both a digital advisory program using ETF-based portfolios and a managed account program, operating as a broker-dealer and insurance agency.

Linda Yang is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Citizens Securities, Inc. She previously worked at JPMorgan Wealth Management and First Republic Investment Management. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, and offers a range of investment advisory programs alongside brokerage and insurance services. The firm operates both discretionary and non-discretionary accounts and is wholly owned by Citizens Bank, N.A.

Gary Grigorian is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and 21 years of industry experience. His prior work includes roles at J.P. Morgan Securities, First Republic Investment Management, and Mass Mutual Investors Services. 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 platform and managed account programs, and is wholly owned by Citizens Bank, N.A.

Paul Arbeit is a CFP® with four years of industry experience, currently serving as an advisor at Citizens Private Wealth in Tarrytown, NY. He has worked with Citizens Private Wealth since 1999 and is also associated with Citizens Bank and Citizens Securities, Inc. Citizens Private Wealth is a registered investment adviser and subsidiary of Citizens Bank, N.A., providing investment management and retirement plan consulting to high-net-worth individuals, families, and institutional clients. The firm uses an open-architecture platform with a range of investment strategies and offers integrated banking, brokerage, and insurance solutions through affiliated entities.

Daniel Grijalva is a CFP® with four years of industry experience, currently serving as a financial advisor at Citizens Private Wealth in Tarrytown, NY. He has been with Citizens Private Wealth since 2003 and has also worked at Citizens Bank and Citizens Securities, Inc. since 2025. Citizens Private Wealth is a registered investment adviser and subsidiary of Citizens Bank, N.A., providing investment management and retirement plan consulting to high-net-worth individuals, families, pension and profit-sharing plans, business entities, trusts, estates, and charitable organizations. The firm uses an open-architecture platform with long-term asset allocation and tactical adjustments, and it serves a diverse client base including corporate and charitable clients in addition to individuals.

Joseph Di Buono is a financial advisor at Citizens Private Wealth in Newport Beach, CA, holding the CFA® designation and Series 66 license with seven years of industry experience. His prior work includes roles at Bank of America, Merrill, and other firms. Citizens Private Wealth, a subsidiary of Citizens Bank, N.A., provides investment management and retirement plan consulting to high-net-worth individuals, families, pension plans, and charitable organizations. The firm uses an open-architecture platform with a variety of investment strategies and leverages its integration with Citizens Bank to offer a broad range of financial solutions.

Nicole Molnar is a financial advisor at Citizens Securities, Inc. with 16 years of industry experience. She holds a Series 66 designation and previously worked for RBC Capital Markets for 10 years before joining Citizens in 2025. 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, while operating as both a broker-dealer and insurance agency.

Melinda Cramer is a financial advisor at Citizens Securities, Inc. in Boston, MA, with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities and First Republic Investment Management. 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 offerings include a digital advisory program managed with SigFig and a Managed Account program, operating as both a broker-dealer and insurance agency.