Michael Fox is a financial advisor with Commonwealth Financial Network in Providence, RI, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 51 years of industry experience and has been affiliated with Commonwealth Equity Services, Inc. since 1995. Fox also serves as a trustee for a company retirement plan and is a licensed vendor for a third-party administrator of employee benefit plans. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and operational support, including discretionary model portfolios managed by its Investment Management and Research team, and offers various program structures tailored to advisor and client needs.

Matthew Thomas is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company, Robert Roth, and Metlife. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering both advisory programs and brokerage and insurance services. The firm’s investment approach includes a digital advisory program with ETF-based portfolios and a separate Managed Account program, alongside commission-based brokerage activities.

Hafez Emanian is a financial advisor at Citizens Securities, Inc. with six years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities LLC, JPMorgan Chase Bank N.A., Bank of America, and Merrill. 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 utilizes both digital and managed account programs and operates as a broker-dealer and insurance agency.

Brett Hosney is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. He holds the Series 66 designation and has worked at Citizens Securities since 2017. His prior experience includes positions at VOYA Financial Advisors and Wells Fargo Clearing. 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 offerings encompass a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Gian Carlo Rossi is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Fidelity Investments and Equity Management. Prior to his finance career, he was employed by Bally's Twin River Casino for six years. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors as well as individual retirement plans. The firm offers investment advisory programs, including a digital advisory program managed in partnership with SigFig, alongside brokerage and insurance services.

Philip Cadden Jr. is a financial advisor at Citizens Securities, Inc. with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citizens Securities since 2019, following six years at CCO Investment Services. 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’s advisory platform includes a digital advisory program managed with SigFig and a Managed Account program, operating within a broader enterprise owned by Citizens Bank, N.A.

David Santoro is a CFP® with 18 years of industry experience, currently practicing at Commonwealth Financial Network and leading Santoro Financial Planning Group since 2020. His prior roles include positions at MCB Financial Services and Eagle Strategies. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a comprehensive adviser-support platform with a range of managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Travis Sousa is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation with 20 years of industry experience. He has been with Citizens Securities since 2010. Citizens Securities serves a wide 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 features a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Nolin Frias is a CFP® with 13 years of industry experience and currently advises at Focus Partners Wealth, LLC. He has previously worked at Buckingham Strategic Wealth, Briggs Advisory Group, and John Hancock Investment Management Distributors, among other firms. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial and tax planning, and retirement plan consulting. The firm uses a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies with third-party managers and private funds.

Christopher Obrien is a financial advisor with Citizens Securities, Inc. He holds a Series 66 designation and has 16 years of industry experience. His prior roles include positions at Citizens Bank, Eagle Strategies (NY Life), and New York Life Insurance Company. Outside of his advisory work, he serves as Treasurer of the Rotary Club of Bourne-Sandwich and is President of the Blue Shutters Condominium Association, both nonprofit organizations. 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 a broker-dealer and insurance agency with a variety of investment solutions.

Theodore Rampini III is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to his current role, he worked at Santander Securities, LLC and Citizens Bank, N.A. Outside of his advisory work, he is the owner of Textovert App, a technology management venture. 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, with advisory offerings that include a digital advisory program and a Managed Account program.

Matthew Udasin is a financial advisor at Citizens Securities, Inc. with 13 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Citizens Securities in 2021, he worked at KeyBank and Key Investment Services LLC. He is also a Notary Public. Citizens Securities serves a diverse 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 both digital and managed account advisory solutions and operates as a broker-dealer and insurance agency.

Patrick Hurley is a financial advisor with Citizens Securities, Inc., holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Bank of America, Merrill, and KPMG LLP. Outside of his advisor role, Hurley volunteers as a youth soccer coach for a U12 recreational league. 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 services include a digital advisory program managed with SigFig and a Managed Account program, while operating as a broker-dealer and insurance agency.

Mohamed Elhannawi is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. 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. Its advisory approach includes a digital advisory program that uses proprietary algorithms and client risk assessments to recommend ETF-based portfolios, alongside a Managed Account program.

Daniel Fitzmaurice is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 credentials and 18 years of industry experience. His career includes roles at Santander Securities, LLC, Santander Bank, NA, and Merrill. He also served in the U.S. Coast Guard Reserve for 20 years. Citizens Securities serves a wide retail client base, providing investment advisory, brokerage, and insurance services. The firm offers a digital advisory program with ETF-based portfolios and a managed account program, while operating as both a broker-dealer and insurance agency.

Matthew Smolko is a financial advisor with Citizens Securities, Inc. He holds Series 63 and Series 66 designations and has 10 years of industry experience. His prior experience includes roles at Merrill, Bank of America, Santander Securities, and Santander Bank. Outside of his advisory work, he manages a rental property. 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, with advisory offerings that have included a digital advisory program and a Managed Account program.

Melissa Couch is a financial advisor with Principal Financial Services, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has worked at Principal Financial Services since 2020 and has prior experience with Principal Life Insurance Company, Royal Alliance Associates, Inc., and Jhfn Sii. Principal Securities offers brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, estates, and business entities. The firm’s advisory services include direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions, with investment implementation typically managed on a discretionary basis by third-party managers.

Charles Kunzelman is a CFP® professional with 27 years of industry experience, currently serving at Citizens Securities, Inc. since 2000. He holds Series 63 and Series 65 licenses and is also a notary public commissioned by the State of Connecticut. Citizens Securities serves a broad 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 managed with SigFig and a Managed Account program, operating as both a broker-dealer and insurance agency.

Kevin Daley is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior work includes roles at Santander Securities, Eastern Bank, and Investment Professionals, Inc. since 2020. 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 approach includes a digital advisory platform and managed accounts, supported by its affiliation with Citizens Bank, N.A.

Brian Hertzberg is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked at Commonwealth Financial Network and Ames Financial Services in multiple periods since 2010, and previously held roles at Pruco Securities, LLC and The Prudential Insurance Company of America. Hertzberg is also involved in fixed insurance sales as an agent under the name Ames Financial Services. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and support services, including discretionary model portfolios and personalized investment options, while providing operational, compliance, and practice-management resources to affiliated advisors.