George Young is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding Series 65 and Series 63 licenses with 11 years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. 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 a digital advisory program featuring ETF-based portfolios and discretionary management, as well as a Managed Account program.

Christopher Smith is a CFP® professional affiliated with Citizens Securities, Inc., with seven years of industry experience. His work history includes multiple roles at Citizens Securities and Fidelity Investments. 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 discretionary and non-discretionary programs, including a digital advisory platform, and is wholly owned by Citizens Bank, N.A.

Pye Moiiz is a financial advisor at Citizens Securities, Inc. with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citizens Securities since 1997. Outside of his advisory role, he owns and manages a multi-family residential property. 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’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Timothy Keohan is a financial advisor with Citizens Securities, Inc. He holds a Series 66 designation and has seven years of industry experience. Prior to his current role, he worked at Commonwealth Financial Network for eight years and First Marblehead for one year. 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 provides both a digital advisory platform using ETF-based portfolios and a Managed Account program, operating as a broker-dealer and insurance agency.

Eric Foley is a CFP® professional with 18 years of industry experience, currently with Citizens Securities, Inc. He previously worked at Santander Securities, LLC and TIAA-CREF. Outside of his advisory work, Foley serves as equipment manager and board member for the Canton Little League in Massachusetts. Citizens Securities serves a broad retail client base, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory solutions include a digital advisory program and managed accounts, supporting both discretionary and non-discretionary investment approaches.

Robert Lonardo is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Cco Investment Services Corp. since 2015 and is also involved with Downeast Cider House outside of his advisory role. 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.

Michael Collins is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 credential and previously worked at Equitable Advisors, LLC, MML Investors Services, LLC, MassMutual Life Insurance Co, and FedEx Corporation. Prior to his advisory career, he was self-employed as a day trader for five years. 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 within a larger enterprise owned by Citizens Bank, N.A.

Martin Bodner is a financial advisor with Integrated Wealth Concepts LLC, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He previously spent 31 years at Coburn & Meredith, Inc. and has been with Integrated Wealth Concepts and LPL Financial since 2021. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, with customized portfolios constructed from mutual funds, ETFs, equities, and fixed income, employing primarily long-term strategies alongside rebalancing trades.

Nicholas Sousa is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and previously worked at Fidelity Investments and First Citizens Federal Credit Union. 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 programs and operates as a broker-dealer and insurance agency.

Joshua Davis is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Citizens Securities, Inc. since 2008. He holds the Series 63 and Series 65 licenses and is based in Johnston, Rhode Island. 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 Managed Account program, alongside its broker-dealer and insurance agency operations.

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.

Logan Lum is a financial advisor at Commonwealth Financial Network with one year of industry experience. He holds the Series 66 designation and has previously worked at MassMutual Life Insurance Co, Mass Mutual Investors Services, and Ernst and Young. Lum is also involved in fixed insurance sales as an additional business activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a variety of advisory programs and services including wealth management and retirement plan consulting. The firm supports affiliated advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

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.

Jonathan Beaupre is a financial advisor at Bankers Life Advisory Services, Inc. with 13 years of industry experience. He holds Series 66 and Series 63 registrations and has worked with Bankers Life and its affiliates since 2012 in various capacities, including insurance agent and unit field trainer. Outside of his advisory role, he recruits and trains insurance agents focusing on Medicare, life insurance, long-term care insurance, and annuities. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals, providing discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and manage portfolios aligned with clients’ goals and risk tolerances.

Steven Kuk is a financial advisor with Citizens Securities, Inc. holding Series 65 and Series 63 licenses and 24 years of industry experience. He has been with Citizens Securities since 2016 and has also worked at Citizens Bank. Outside of finance, Kuk is actively involved in soccer coaching, serving as a private goalkeeper coach, a coach for WWIS Soccer/Mach 1, and the head soccer coach at Burrillville High School. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, and offers investment advisory programs along with brokerage and insurance services. The firm operates both discretionary and non-discretionary platforms and is wholly owned by Citizens Bank, N.A.

Kari Rai is a financial advisor with Eagle Strategies (NY Life) holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining Eagle Strategies, Rai worked at NYLIFE Securities LLC and New York Life Insurance Company. Rai is a silent partner in LCCI Global Qualifications Pvt Ltd, a training and certification organization focused on the Nepalese economy. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm emphasizes tailored recommendations and predominantly manages assets on a non-discretionary basis, working extensively with defined contribution and benefit plans as well as charitable and corporate clients.

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.

Koby Gartner is a financial advisor with Guardian Life and holds a Series 66 designation. He has three years of industry experience, including roles at Guardian Life Insurance Company, Park Avenue Securities, and OSAIC. Outside of his advisory work, he is a 20% owner and film producer at Up-Hill Productions, LLC. Guardian Life’s subsidiary, Park Avenue Wealth Management, serves individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, and investment advisory services, offering both discretionary and non-discretionary advisory solutions.

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.