Melissa Jane Howard

Employer firm

Citizens Securities, Inc. CRD 39550

$12.9B regulatory AUM 60,545 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Selection of other advisers
• PARTICIPATE IN WRAP FEE PROGRAM

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 05/1998 → 07/2022
  Santander Bank, Na
  Boston, MA
• 07/2014 → 11/2017
  Santander Securities, Llc
  Dorchester, MA
• 11/2017 → 07/2022
  Santander Securities, Llc
  Dorchester, MA
• 07/2022 → 09/2022
  Unemployed
  Bethlehem, PA
• 09/2022 → Present
  Citizens Securities, Inc.
  Conshohocken, PA

Previous Registrations

• 2014-09-26 → 2022-07-07
  Santander Securities Llc
  Bethlehem, PA
  Harrisburg, PA
  Boston, MA
  Bethlehem, PA
  Cherry Hill, NJ
  New York, NY
  Bethlehem, PA
  Villanova, PA
  Conshohocken, PA

Other Businesses

Name of OBA: Howhow23 LLC Position: Member Type of Entity: LLC Responsibilities of Position: None - LLC is owner of 46 Polansky Lane, Lake Harmony PA which is an unimproved lot. Monthly Compensation / Net Profit: $0 Date of Initial Involvement: 09/08/2023 Approximate Amount of Time Devoted on a Monthly Basis: 0

Exams

• S66 Uniform Combined State Law Examination
  2014-09-25