Charles Kunzelman is a CFP® with 27 years of industry experience, currently serving at Citizens Securities, Inc. since 2000. He holds Series 63 and Series 65 licenses and is a notary public in the State of Connecticut. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm operates a digital advisory program and a managed account program, while also functioning as a broker-dealer and insurance agency.

Kevin Daley is a financial advisor at Citizens Securities, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Santander Securities, LLC, Santander Bank, NA, Eastern Bank, and Investment Professionals, Inc. since 2010. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Liam Patel is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and has previously worked at Equitable Advisors, LLC, NorthStar Financial, Method 3, and TurnKey Lender. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory program that employs proprietary algorithms to recommend ETF-based portfolios tailored to client risk profiles.

Octavio Fonseca is a financial advisor at Citizens Securities, Inc. in Providence, RI, holding Series 63 and Series 65 licenses with 26 years of industry experience. His prior roles include positions at AXA Advisors, LLC and Colony Capital, LLC (formerly NorthStar Securities, LLC). Outside of his advisory work, he serves as Durable Power of Attorney for Health Care for his spouse. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Ryan Donovan is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds a Series 66 designation and has previous work experience at Bank of America, Merrill, and QMed Innovations. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advice platform using proprietary algorithms and a managed account program, while also operating as a broker-dealer and insurance agency.

Philip White is a financial advisor at Citizens Securities, Inc. with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citizens Securities since 2015. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Jackson Wellman is a financial advisor with Citizens Securities, Inc. in Johnston, RI. He holds a Series 66 designation and has been in the industry since 2025. Prior to joining Citizens Securities, he worked briefly at Equitable Advisors and held various roles outside the financial industry. He volunteers as an assistant football coach at the University of Massachusetts Dartmouth. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, and it operates as a broker-dealer and insurance agency.

Dennis Rouke is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island. He holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior experience includes working at Merrill from 2014 to 2017. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, with notable offerings including a digital advisory program that uses proprietary algorithms to recommend ETF-based portfolios tailored by client risk profiles.

Colleen Donahue is a financial advisor with Citizens Securities, Inc. She holds Series 63 and Series 65 licenses and has 28 years of industry experience. Since 2009, she has been with Cco Investment Services Corp. in Johnston, RI. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm operates both digital and managed account advisory programs and is wholly owned by Citizens Bank, N.A.

William Jacques is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Citizens Securities in 2022, he worked at Santander Securities, LLC and Santander Bank, NA from 2015 to 2022. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm provides both digital and managed account advisory solutions and operates as a broker-dealer and insurance agency.

Andrew Martelly is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, University of Massachusetts Boston, and Fall River Five Cents Savings Bank. Martelly also serves as a constable for the Town of Swansea, Massachusetts. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program and a Managed Account program, operating as a broker-dealer and insurance agency within a diversified financial services enterprise.

Andrew Macleod is a financial advisor at Citizens Securities, Inc. with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Cetera Financial Specialists LLC and Voya Financial Advisors. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm’s advisory offerings include a digital advisory program based on ETF portfolios and a Managed Account program, operating alongside its broker-dealer and insurance functions.

Clifford Usher is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities LLC, Bank of America, and the United States Postal Service. He also serves in the US Navy Reserve. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors, providing investment advisory programs alongside brokerage and insurance services. The firm offers a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency, with a focus on ETF-based portfolios tailored through proprietary risk-assessment algorithms.

Leanda Hodgkin is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Citizens Securities since 2018, following six years at Citizens Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, and it also operates as a broker-dealer and insurance agency.

David Loughlin is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 credentials with eight years of industry experience. His prior work includes positions at TD Bank, N.A. and Citizens Bank, N.A. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs along with brokerage and insurance services. The firm’s offerings include a digital advisory program and a Managed Account program, supporting both discretionary and non-discretionary business activities.

Megan St.Amant is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citizens Securities since 2015. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm provides both digital and managed account advisory solutions and operates as a broker-dealer and insurance agency.

Kyle Wood is a financial advisor at Citizens Securities, Inc. with 11 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. from 2014 to 2018. Outside of his advisory role, he serves as a head coach and assistant football coordinator for the Dighton-Rehoboth Jr Football organization. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Silvi Sinoimeri is a financial advisor at Citizens Securities, Inc. with nine years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Santander Securities, LLC and Santander Bank, NA. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, including a digital advisory program that utilizes proprietary algorithms to recommend ETF-based portfolios.

Michael Leone is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Citizens Securities since 2007. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm provides both digital and managed account advisory programs and operates as a broker-dealer and insurance agency.

Theodore Schaaf is a financial advisor at Citizens Securities, Inc. with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citizens Securities since 2017, following a four-year tenure at UBS Financial Services Inc. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, operating as both a broker-dealer and insurance agency.