Rosemary Miller is a Series 66-licensed financial advisor at Citizens Securities, Inc. in Johnston, Rhode Island, with 24 years of industry experience. She has served as Chief Compliance Officer at CCO Investment Services since 2013. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory platform and a managed account program, and is wholly owned by Citizens Bank, N.A.

Carol Jackson is a financial advisor at Citizens Securities, Inc. with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Citizens Securities since 2010. 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 both a digital advisory program and a Managed Account program, and is wholly owned by Citizens Bank, N.A.

Max Borgus is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation with six years of industry experience. His prior roles include positions at Bank of America, Merrill, and NESCOR, among others. He also served nine years in the U.S. Army. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm uses a digital advisory program with ETF-based portfolios, as well as commission-based brokerage and other non-discretionary activities.

John Foster is a CFP® professional with 29 years of experience, currently serving at Citizens Securities, Inc. since 1997. His career has been consistently tied to Citizens Bank Mass during the same period. Citizens Securities, Inc. serves a broad 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 both a broker-dealer and insurance agency.

Obed Daphnis is a financial advisor at Citizens Securities, Inc. with five years of industry experience and holds the Series 66 designation. His work history includes roles at Merrill, Bank of America, and The Prudential Insurance Company of America. Outside of his advisory work, he serves as a board member for Restoration Community Church and HOPE International-Haiti, and he is involved as a bookkeeper for a refugee relief program. 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 operates a digital advisory program utilizing proprietary algorithms alongside other commission-based brokerage activities, and it is wholly owned by Citizens Bank, N.A.

Lee Hurney is a financial advisor at Citizens Securities, Inc. with 28 years of industry experience. He holds the Series 63, Series 65, and Series 66 registrations. His prior experience includes roles at Prudential Annuities Distributors, Prudential Insurance Company of America, Transamerica Capital Inc., GWFS Equities, LPL Financial, and National Planning Corporation. 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 a digital advisory program and managed account services while operating as a broker-dealer and insurance agency.

Juan Pablo Rios is a financial advisor with Citizens Securities, Inc. He holds a Series 66 designation and has 21 years of industry experience. Prior to joining Citizens Securities in 2019, he worked at Ameriprise Financial Services, Oppenheimer & Co., and J.P. Morgan Securities. Outside of his advisory role, he is involved as an assistant property manager. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory platform and managed account programs, and is wholly owned by Citizens Bank, N.A.

Corey Caron is a financial advisor at Citizens Securities, Inc. with a Series 66 designation and five years of prior experience at Conning Asset Management and Hanover Insurance Group. He joined Citizens Securities in 2025 and is based in West Hartford, CT. 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 approach includes a digital advisory program and a Managed Account program, supporting both discretionary and non-discretionary investment activities.

Stephen Singmon is a financial advisor at Citizens Securities, Inc. in Brighton, MA, with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citizens Securities since 2016. 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 featuring ETF-based portfolios managed with proprietary algorithms, as well as a Managed Account program.

Alexander Colon is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at various entities within the Citizens organization since 2017 and previously held positions at Bank of America and Pawtucket Credit Union. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory approach includes a digital advisory program focused on ETF-based portfolios and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Matthew Casey is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and two years of industry experience. He has been with Citizens Securities and Citizens Bank since 2023 and is also involved with Refocus Inc., where he has been active since 2015. 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 both a broker-dealer and insurance agency.

Anthony Caruso Jr. is a financial advisor with Citizens Securities, Inc. He holds Series 65 and Series 63 licenses and has two years of industry experience. Prior to joining Citizens Securities, he worked at Fidelity Investments and Equitable Advisors. Outside of finance, he has experience in lawn care through AAA Professional Lawn Care. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, providing investment advisory programs, brokerage, and insurance services. The firm offers both a digital advisory program and managed account services and operates as a broker-dealer and insurance agency.

John Riester is a CFP®-certified financial advisor with 12 years of industry experience, currently working at Citizens Securities, Inc. since 2015. He holds Series 63 and Series 65 licenses and operates out of Johnston, RI. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory, brokerage, and insurance services. The firm provides both a Managed Account program and a digital advisory program featuring ETF-based portfolios supported by proprietary algorithms.

Puneet Singh is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds a Series 66 designation and has previous work experience at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America, Merrill Lynch, Webster Bank, and Citizens Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm provides a digital advisory program with ETF-based portfolios and a Managed Account program while also operating as a broker-dealer and insurance agency.

Matthew Wilcox is a financial advisor at Citizens Securities, Inc. in Johnston, RI, with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Citizens Securities since 2018, with prior experience at Santander Securities from 2012 to 2018. Citizens Securities serves individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm employs a digital advisory program using proprietary algorithms and also operates as a broker-dealer and insurance agency.

Jonathan Sears is a financial advisor at Citizens Securities, Inc. with a Series 66 designation and one year of experience at the firm. His prior work includes roles at Aciron Consulting Inc., Bentley University, Tremezzo Ristorante, and Wilmington High School. 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 and a Managed Account program, with its overall activity encompassing both discretionary and non-discretionary business.

Joshua Giuliano is a CFP® professional with 21 years of industry experience, currently serving at Citizens Securities, Inc. since 2009. He is based in Johnston, RI. Outside of his advisory role, Giuliano mentors and coaches students through the PrepareRI Innovation Challenge. Citizens Securities serves a diverse 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 with ETF-based portfolios managed via proprietary algorithms, as well as a Managed Account program.

Darrell Smith is a CFP® and Series 66-registered advisor with Citizens Securities, Inc., where he has worked since 2008. He has 23 years of industry experience. Outside of his advisory role, he is also a Notary Public. 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 operates as a broker-dealer and insurance agency and provides advisory offerings such as a digital advisory program and a Managed Account program.

Emma Mc Naul is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. She holds Series 63 and Series 65 licenses and has held positions at Citizens Securities and Citizens Bank since 2018, as well as prior roles at Kota Solutions and Bank of America. Outside of her advisory work, she is a Notary Public. 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 both digital and managed account advisory options and operates as a broker-dealer and insurance agency.

Philip Desilus is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked exclusively at Citizens Securities since 2016. 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’s advisory offerings include a digital advisory program managed in partnership with SigFig and a separate Managed Account program, while also operating as a broker-dealer and insurance agency.