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Our AdvisorsIn Vails Gate, NY

Ray Gonzalez
Wealth Advisor
Citizens Wealth Management
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(845) 338-6448

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NY
Vails Gate

Citizens Securities, Inc. Business Continuity Plan
Citizens Securities, Inc. Managed Account Program Form ADV Disclosure Brochure
Citizens Securities, Inc. Digital Advisory Program Form ADV Disclosure Brochure
Quarterly Order Routing Reports | Citizens
Reg.BI Disclosure
Form CRS
Fiduciary Acknowledgement
Clarfeld Financial Advisors, LLC Form ADV Disclosure Brochure
Form CRS Clarfeld
Fiduciary Acknowledgement Clarfeld
Privacy Policies | Citizens (citizensbank.com)
Citizens Securities, Inc. is a member of FINRA and SIPC

FINRA's BrokerCheck

© 2026 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.

Do Not Sell or Share My Personal Information

Citizens Securities, Inc. Business Continuity Plan
Citizens Securities, Inc. Managed Account Program Form ADV Disclosure Brochure
Citizens Securities, Inc. Digital Advisory Program Form ADV Disclosure Brochure
Quarterly Order Routing Reports | Citizens
Reg.BI Disclosure
Form CRS
Fiduciary Acknowledgement
Clarfeld Financial Advisors, LLC Form ADV Disclosure Brochure
Form CRS Clarfeld
Fiduciary Acknowledgement Clarfeld
Privacy Policies | Citizens (citizensbank.com)
Citizens Securities, Inc. is a member of FINRA and SIPC

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. ² CitizensPlus™ 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. Please be aware that securities, insurance products, and investment advisory services offered by Citizens Securities, Inc. and Clarfeld Financial Advisors, LLC (both affiliates of Citizens Bank, N.A.) are are different from those offered by the bank and are subject to investment risk, including possible loss of principal amount invested. The investment products and financial strategies suggested herein are subject to investment risk, including possible loss of principal amount invested. There can be no guarantee the suggested strategies or investments will lead to successful outcomes. Investment decisions should be based on each individual's goals, time horizon and tolerance for risk. Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. (“Citizens”). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. (“CSI”), a registered broker-dealer and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC (“EPS”) or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.

Securities, Investments and Insurance Products are subject to risk, including principal amount invested, and are:

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

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. Powered by Yext for Citizens.