Andres Ray Garza

FIDELITY BROKERAGE SERVICES LLC

SMITHFIELD, RI · CRD#

Contact Information

This advisor has not claimed their profile yet, so there is no contact information to display at this time.

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FIDELITY BROKERAGE SERVICES LLC

SMITHFIELD, RI · CRD#

Disclosures on record.

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities. Check for any disclosures as part of your thorough research when choosing an advisor.

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FIDELITY BROKERAGE SERVICES LLC

SMITHFIELD, RI · CRD#

Years of Experience

1 years registered in the securities industry

Current & Past Employments

Current

CITIZENS SECURITIES, INC.Current·CRD# 39550

RIA

BD

1 Citizens Bank Way, Johnston, RI 02919

August 3, 2026 - Present

Past

FIDELITY BROKERAGE SERVICES LLCPast·CRD# 7784

BD

Smithfield, RI

November 7, 2025 - August 11, 2026

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FIDELITY BROKERAGE SERVICES LLC

SMITHFIELD, RI · CRD#

Customer Relationship Summary (CRS / SEC)Customer Relationship Summary (CRS / FINRA)Latest Form ADV

Current Firm

CS

CITIZENS SECURITIES, INC.

CRD#: 39550 / SEC#: 801-61902, 8-48744

RIA

Registered Investment Advisory firm - SEC (3/27/2003 Approved)

Connecticut

Registered Investment Advisory firm - SEC (4/10/2003 Terminated)

Florida

Registered Investment Advisory firm - SEC (4/10/2003 Terminated)

Maine

Registered Investment Advisory firm - SEC (4/14/2003 Terminated)

New Hampshire

Registered Investment Advisory firm - SEC (4/10/2003 Terminated)

New York

Registered Investment Advisory firm - SEC (3/31/2002 Terminated)

Rhode Island

Registered Investment Advisory firm - SEC (5/8/2003 Terminated)

Vermont

Registered Investment Advisory firm - SEC (4/28/2003 Terminated)

BD

Broker-Dealer Firm Regulated by FINRA (Boston district office)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

Contact Information

Main Address

One Citizens Bank Way Jcb135, Johnston, RI 02919

Mailing Address

200 Station Drive Mws414, Westwood, MA 02090

Phone Number

(781) 364-1641

Established

Rhode Island since 09/21/1995

Firm Type

Corporation

Fiscal Year End

December

Firm Size

Large

# of Employees

471

SEC notice filing (52 States and Territories)

Registered to provide investment advisory services in 52 US states and territories.

FINRA licenses (53 States and Territories)

Registered to provide investment advisory services in 52 US states and territories.

Documents

Part 2 Brochures

CSI FORM ADV PART 2A MANAGED ACCOUNT PROGRAM BROCHURE 09022026 (9/3/2026)

CSI FORM ADV PART 2A DIGITAL ADVISORY PROGRAM BROCHURE 03182026 (3/20/2026)

Direct owners and executive officers

Name	Position	CRD#
CITIZENS BANK, N.A.	DIRECT OWNERSHIP	—
ARNOLD, CHAD	COO WEALTH, EXECUTIVE VICE PRESIDENT	3076401
CARVALHO, KEVIN JOHN	CHIEF FINANCIAL OFFICER	6115556
CHERNY, MICHAEL	PRESIDENT	4864410
SHORE, DAVID HOWARD	CHIEF COMPLIANCE OFFICER	2106767

Regulatory Assets Under Management

Total Number of Accounts

60,545

AUM (Assets Under Management)

$12,868,719,975

Disclosures

Regulatory Event

16

Arbitration

6

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FIDELITY BROKERAGE SERVICES LLC

SMITHFIELD, RI · CRD#

Other business activities

Information obtained from regulatory filings. Advisors can request corrections through their firm or regulator.

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

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FIDELITY BROKERAGE SERVICES LLC

SMITHFIELD, RI · CRD#

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

CS

CITIZENS SECURITIES, INC.

CRD#: 39550 / SEC#: 801-61902, 8-48744

RIA

Registered Investment Advisory firm - SEC (3/27/2003 Approved)

Connecticut

Registered Investment Advisory firm - SEC (4/10/2003 Terminated)

Florida

Registered Investment Advisory firm - SEC (4/10/2003 Terminated)

Maine

Registered Investment Advisory firm - SEC (4/14/2003 Terminated)

New Hampshire

Registered Investment Advisory firm - SEC (4/10/2003 Terminated)

New York

Registered Investment Advisory firm - SEC (3/31/2002 Terminated)

Rhode Island

Registered Investment Advisory firm - SEC (5/8/2003 Terminated)

Vermont

Registered Investment Advisory firm - SEC (4/28/2003 Terminated)

BD

Broker-Dealer Firm Regulated by FINRA (Boston district office)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

RR

indicates the advisor is registered as a Registered Representative in this state, allowing securities offerings such as stocks, bonds, and mutual funds through a broker-dealer.

RR

Alabama
(8/3/2026)

RR

Alaska
(8/3/2026)

RR

Arizona
(8/3/2026)

RR

Arkansas
(8/3/2026)

RR

California
(8/3/2026)

RR

Colorado
(8/3/2026)

RR

Connecticut
(8/3/2026)

RR

Delaware
(8/3/2026)

RR

District of Columbia
(8/3/2026)

RR

Florida
(8/3/2026)

RR

Georgia
(8/3/2026)

RR

Hawaii
(8/3/2026)

RR

Idaho
(8/3/2026)

RR

Illinois
(8/3/2026)

RR

Indiana
(8/3/2026)

RR

Iowa
(8/3/2026)

RR

Kansas
(8/3/2026)

RR

Kentucky
(8/3/2026)

RR

Louisiana
(8/3/2026)

RR

Maine
(8/3/2026)

RR

Maryland
(8/3/2026)

RR

Massachusetts
(8/3/2026)

RR

Michigan
(8/3/2026)

RR

Minnesota
(8/3/2026)

RR

Mississippi
(8/3/2026)

RR

Missouri
(8/3/2026)

RR

Montana
(8/3/2026)

RR

Nebraska
(8/3/2026)

RR

Nevada
(8/3/2026)

RR

New Hampshire
(8/3/2026)

RR

New Jersey
(8/3/2026)

RR

New Mexico
(8/3/2026)

RR

New York
(8/3/2026)

RR

North Carolina
(8/3/2026)

RR

North Dakota
(8/3/2026)

RR

Ohio
(8/3/2026)

RR

Oklahoma
(8/3/2026)

RR

Oregon
(8/3/2026)

RR

Pennsylvania
(8/3/2026)

RR

Puerto Rico
(8/3/2026)

RR

Rhode Island
(8/3/2026)

RR

South Carolina
(8/3/2026)

RR

South Dakota
(8/3/2026)

RR

Tennessee
(8/3/2026)

RR

Texas
(8/3/2026)

RR

Utah
(8/3/2026)

RR

Vermont
(8/3/2026)

RR

Virgin Islands
(8/3/2026)

RR

Virginia
(8/3/2026)

RR

Washington
(8/3/2026)

RR

West Virginia
(8/3/2026)

RR

Wisconsin
(8/3/2026)

RR

Wyoming
(8/3/2026)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.

FINRA

SRO Registrations

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FIDELITY BROKERAGE SERVICES LLC

SMITHFIELD, RI · CRD#

CRS (Customer Relationship Summary)

CRS (Client Relationship Summary) - BD

Click below to view Andres Ray Garza's CRS (Customer Relationship Summary).

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FIDELITY BROKERAGE SERVICES LLC

SMITHFIELD, RI · CRD#