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Our AdvisorsIn Saint Clair Shores, MI

Armin Hrncic
Private Client Financial Advisor
Citizens Securities, Inc
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Saint Clair Shores

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Citizens Securities, Inc. Business Continuity Plan
Citizens Securities, Inc. Quarterly Trade Execution Report
Citizens Securities, Inc. Managed Account Program Form ADV Disclosure Brochure
Citizens Securities, Inc. Digital Advisory Program Form ADV Disclosure Brochure
Monthly Order Flow
Reg.BI Disclosure
Form CRS
Fiduciary Acknowledgement
Clarfeld Financial Advisors, LLC Form ADV Disclosure Brochure
Form CRS Clarfeld
Fiduciary Acknowledgement Clarfeld

¹ Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the U.S., which it authorizes use of, by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. ²CitizensPlus™ benefits cannot be applied in addition to other promotional benefits or discounts that we may offer from time to time. In order to qualify or maintain CitizensPlus, you must maintain an open and active Citizens Quest® or Citizens Private Client™ Checking account. We may evaluate accounts periodically to determine qualifications and have the right to remove benefits based on failure to meet qualifications. Benefits subject to change. ³Investment Match Citizens Private Client Checking: To earn a match of up to $2,000, open and fund a new managed money relationship with Citizens Securities, Inc./ Clarfeld (excluding Specifi). For purposes of this offer, the qualifying balance shall mean incoming assets (including cash and securities) that remain on deposit for 90 days following investment account opening (the “accumulation period”). Qualifying assets transferred in totaling $200,000.00 will receive the full $2,000 match. Qualifying assets transferred in less than $200,000.00 will receive a 1.00% match that will be calculated at the end of the account’s 90-day accumulation period. Qualifications: You must have a Citizens Private Client™ Checking account and a Citizens Securities, Inc. or Clarfeld– (excluding Specifi) managed money investment account, both must be open and active for 60 days following your Citizens Securities/Clarfeld, Inc. investment account accumulation period. Eligibility: One-time promotional bonus is available only to one individual per household. Household must be new to Citizens Securities, Inc./Clarfeld, to qualify for the bonus. Household for this CitizensPlus offer is defined as individuals residing at the same address. Bonus will be deposited to a Citizens Private Client™ Checking account within 60 days following the above noted 90-day accumulation period and will be labeled as “Balance Builder Bonus.” Bonus will be reported to the IRS for income tax purposes.

© 2023 Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products Member FDIC.

Citizens Private Client is comprised of banking, insurance, brokerage, trust, and investment advisory services provided by CBNA and its affiliates, Citizens Securities, Inc. (“CSI”), an SEC registered investment adviser and member of FINRA and SIPC, Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, and Estate Preservation Services, LLC (“EPS”). Clarfeld Citizens Private Wealth is a division of CBNA that offers bank products (deposit and credit), fiduciary (trust) services, insurance and investment advisory services. The bank products and fiduciary (trust) services are provided by CBNA. Investment advisory services are offered through CFA. Insurance products are offered through EPS, a wholly owned subsidiary of CFA or an unrelated party. Securities, Insurance Products and Investment Advisory Services offered through CSI, or by unaffiliated members of FINRA and SIPC that provide brokerage and custody services to clients of CFA (see Form ADV for details). One Citizens Bank Way, JCB135, Johnston, RI 02919. Please be aware that the securities products offered are different from those offered by a bank and are subject to investment risk, including possible loss of principal amount invested.

Securities, Insurance Products and Investment Advisory Services are:

NOT FDIC INSURED · NOT BANK GUARANTEED · MAY LOSE VALUE · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Mortgages are offered and originated by Citizens Bank, N.A. NMLS ID# 433960. Equal Housing Lender.

All accounts, loans and services are subject to individual approval.