Daniel Estes is a Series 66-credentialed financial advisor with four years of industry experience. He is currently with Citizens Securities, Inc. and has prior experience at The Prudential Insurance Company of America and Pruco Securities LLC. Citizens Securities serves a diverse retail client base, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program that constructs ETF-based portfolios using proprietary algorithms and client risk assessments.

Thomas Worsley is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Citizens Securities, Inc. He previously worked at JP Morgan Securities, JP Morgan Chase Bank, TD Ameritrade Investment Management, TD Ameritrade, and Merrill. 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.

Kelley Mcsparren is a financial advisor at Citizens Securities, Inc. with two years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at firms including Fidelity Investments and Venning Advisors. Outside of her advisory role, she operates a taco cart catering business called Island Time Catering Co. 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 a digital advisory program with ETF-based portfolios and a managed account program, operating as a full-service broker-dealer and insurance agency.

Ryan Horner is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 credentials and with eight years of industry experience. His career has been primarily with Citizens Securities and Citizens Bank, including roles spanning from 2015 to the present. He is also a Notary Public, performing document notarizations on a regular basis. Citizens Securities serves retail clients, including individuals, high-net-worth investors, and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides digital advisory solutions and managed accounts while operating as both a broker-dealer and insurance agency.

Scott Kluge is a financial advisor at Citizens Securities, Inc. with 9 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Citizens Securities, he worked at Merrill, Bank of America, Santander Bank, and Massachusetts Mutual Life Insurance Company. He serves as treasurer for Temple Emunah Inc., a nonprofit religious organization. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm employs a mix of digital advisory solutions and traditional brokerage to meet diverse client needs.

Troy Brosseau is a financial advisor with Citizens Securities, Inc. He holds Series 63 and Series 66 licenses and has three years of industry experience. Prior to joining Citizens Securities, he worked at Mercer and held various roles in the hospitality and education sectors. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs along with brokerage and insurance services. The firm provides a range of advisory offerings, including a digital advisory program and a Managed Account program, and operates as a broker-dealer and insurance agency.

Jennifer Santoro is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her career includes multiple roles within Citizens Securities and Citizens Bank dating back to 2016. 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’s offerings include a digital advisory program and a Managed Account program, supporting both discretionary and non-discretionary client options.

Christopher Ethier is a CFP® with 13 years of industry experience and has been with Citizens Securities, Inc. since 2014. He holds Series 63 and Series 65 licenses. 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 provides both a digital advisory program with ETF-based portfolios and a Managed Account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Terence Tinkham is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He holds the Series 66 designation and has worked at Citizens Securities since 2019. Prior to that, he was with Flagship Harbor Advisors, LLC and LPL Financial, LLC. He serves on the Board of Directors for the Potter League without compensation. 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, operating as a broker-dealer and insurance agency.

Samuel Yawson is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual, The Prudential Insurance Company of America, and PRUCO Securities. 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, and it operates as a broker-dealer and insurance agency.

Thiago Ribeiro is a financial advisor at Citizens Securities, Inc. with a Series 66 designation and three years of industry experience. Prior to joining Citizens Securities in 2023, he worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2018 to 2023. His background also includes roles outside finance at companies such as Le Creuset and Wayfair. 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 a digital advisory program and a managed account program, and is wholly owned by Citizens Bank, N.A.

Eric Tunstall is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. He holds the Series 66 designation and has been with Citizens Securities since 2011. 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, combining digital advisory portfolios and managed accounts with traditional brokerage operations.

Emre Oztunc is a financial advisor with Citizens Securities, Inc. He holds the Series 66 designation and has 18 years of industry experience. He has been with Citizens Securities since 2014. 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 advisory offerings include a digital advisory program and a Managed Account program, and it operates as a broker-dealer and insurance agency.

Shilah Tate is a financial advisor at Citizens Securities, Inc. with five years of industry experience. She holds a Series 66 designation and previously worked at Santander Bank. Outside of her advisory role, she volunteers as a coach for United Way's Women's Money Matters program. 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 managed with SigFig and a Managed Account program.

Matthew Di Sandro is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds a Series 66 designation and has worked at Bank of America, Merrill, and United Parking LLC. 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 options include a digital advisory program managed with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Richard Longueil is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Santander Securities, LLC and Santander Bank, NA. Citizens Securities, Inc. serves a broad 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 and a Managed Account program, and it operates as a broker-dealer and insurance agency.

Angelica Andreotti is a financial advisor with Citizens Securities, Inc., holding Series 63 and Series 65 credentials and 14 years of industry experience. Her career includes roles at Bank of America, Merrill, E*TRADE Securities, and Citizens Bank. Outside of her advisory work, she creates cat-related content through a sole proprietorship called Meta. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors, offering advisory programs, brokerage, and insurance services. The firm’s offerings include a digital advisory program and managed accounts, operating as a broker-dealer and insurance agency with a proprietary bank deposit sweep program.

Ryan Vernon is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has previously worked at Charles Schwab Bank, Charles Schwab and Co., TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. 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’s advisory offerings include a digital advisory program and a Managed Account program, with a business model supported by its status as a broker-dealer and insurance agency.

Camilo Betancur is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and having eight years of industry experience. His career includes roles at Santander Securities, LLC, Santander Bank, NA, Commonwealth Financial Network, and multiple positions within Citizens Securities and Citizens Bank. Outside of finance, he has experience working at Ideal Cleaning. Citizens Securities serves a diverse 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 discretionary and non-discretionary business models, including a digital advisory platform managed in partnership with SigFig.

Paul Bernardi is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Citizens Securities since 2004. 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, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.