Christopher Ricci is a financial advisor at Focus Partners Wealth, LLC with 18 years of industry experience. He holds the CFP® designation and Series 65 and 66 licenses. His prior experience includes roles at Buckingham Strategic Wealth, LLC, Briggs Advisory Group, Inc., and 1st Global Advisors, Inc. Focus Partners serves individuals, families, family offices, and institutional clients with comprehensive wealth management services. The firm employs a long-term, tax- and fee-sensitive investment approach combining active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

Yaldez Abdel Samed is a financial advisor at Citizens Securities, Inc. with 16 years of industry experience. He holds the Series 66 designation and has worked at Citizens Securities since 2019, previously spending three years at Key Investment Services LLC. 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 traditional advisory programs and a digital advisory platform, and it is fully owned by Citizens Bank, N.A.

Mackenzie Borroni is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked primarily within Citizens-affiliated entities since 2018. Prior to her finance career, she was involved with Gym Hutt Gymnastics for six years. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers both investment advisory and brokerage services, including a digital advisory program and managed accounts, and operates as a broker-dealer and insurance agency.

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® professional with 17 years of experience in financial advising. He has been affiliated with Commonwealth Financial Network since 2012 and leads Santoro Financial Planning Group, a private entity facilitating securities, advisory, and insurance business. Prior to forming his own group, he worked at MCB Financial Services from 2012 to 2020. Commonwealth Financial Network supports a national network of approximately 2,950 advisors by providing advisory programs, technology, investment management, and compliance services. Advisors on the platform have discretion to create client portfolios from a broad range of securities and insurance products, supported by Commonwealth’s investment research and model portfolios.

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 12 years of experience in the financial industry. He is currently with Focus Partners Wealth, LLC and has previously worked at Buckingham Strategic Wealth, Briggs Advisory Group, and John Hancock Investment Management among others. Focus Partners Wealth serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a broad range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach using both active and passive strategies within an enhanced open architecture framework.

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.

Garfield Davidson is a financial advisor at Valic Financial Advisors with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Valic Financial Advisors since 2015. Outside of his advisory role, he is involved in managing family rental properties. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.