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Melinda Cramer

Citizens Securities, Inc.

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About Melinda Cramer

Melinda Cramer is a financial advisor with over 20 years of experience in the industry. Melinda currently works for Citizens Securities, Inc. and Clarfeld. Prior to joining these firms, Melinda Cramer worked for J.P. MORGAN SECURITIES LLC, FIRST REPUBLIC SECURITIES COMPANY, LLC, MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED, and NEW ENGLAND SECURITIES. Melinda Cramer holds Series 63, 66, 7, 9, 10, 24, 99TO, and SIE licenses. Melinda Cramer also holds a registration in Rhode Island and Massachusetts. Melinda Cramer specializes in Portfolio Management for Individuals, Selection of Other Advisers, and Financial Planning.

Firm Information

Melinda Cramer is currently registered with Citizens Securities, Inc.. Citizens Securities, Inc. is a corporation headquartered in Johnston, Rhode Island, and was formed on September 21, 1995. The firm manages approximately $1 billion to $10 billion in assets and provides financial planning, portfolio management for individuals and selection of other advisors. They also participate in a wrap fee program. The firm has regulatory assets under management of $9.19 billion in 53,044 accounts. Citizens Securities is registered with the SEC and in all 50 states, as well as the District of Columbia and Puerto Rico.
Citizens Securities, Inc.

ONE CITIZENS BANK WAY

JOHNSTON, RI 02043

$9.19B

Assets Under Management

53,044

Total Clients

788

Total Financial Advisors

Services Offered

Advisors offer a broad range of advisory services designed to meet the unique needs of individuals, businesses, and investment companies. These services provide professional guidance and personalized strategies to help clients achieve their financial goals.

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financial planning services

Comprehensive financial plans to help you achieve your personal and business goals.

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selection of other advisors

Helps you choose top advisors aligned with your financial goals.

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portfolio management for individuals

Personalized portfolio management to meet individual financial objectives.

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participate in wrap fee program

Participate in wrap fee program

Fee Structure

Advisors may be compensated through a variety of fee structures, offering flexibility and transparency. This allows clients to choose the arrangement that best aligns with their financial objectives.

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percentage of assets

A percentage of the total value of assets under management is charged.

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Melinda Cramer’s Registration & Firm History

MA

02/28/2024 - Present

Citizens Securities, Inc. (Boston MA)

MA

09/29/2023 - 02/17/2024

J.P. MORGAN SECURITIES LLC (BOSTON MA)

MA

12/07/2015 - 09/29/2023

FIRST REPUBLIC SECURITIES COMPANY, LLC (BOSTON MA)

MA

08/10/2006 - 12/04/2015

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED (BOSTON MA)

NY

07/09/1999 - 07/31/2003

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED (NEW YORK NY)

NY

06/08/1999 - 07/26/1999

NEW ENGLAND SECURITIES (NEW YORK NY)

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Licenses & Designations

BOTH

Issued 10/28/2006

Series 66 - Uniform Combined State Law Examination

BC

Issued 02/12/2001

Series 63 - Uniform Securities Agent State Law Examination

BC

Issued 10/23/2023

Series 10 - General Securities Sales Supervisor - General Module Examination

BC

Issued 08/21/2023

Series 9 - General Securities Sales Supervisor - Options Module Examination

BC

Issued 05/05/2016

Series 24 - General Securities Principal Examination

BC

Issued 06/17/2024

Series 99TO - Operations Professional Examination

BC

Issued 10/01/2018

SIE - Securities Industry Essentials Examination

BC

Issued 08/09/2006

Series 7 - General Securities Representative Examination

State Registrations

Active

Inactive

SRO Registrations

F

FINRA

Disclosures

There are no public disclosures for Melinda Cramer.
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