Valerie Bouraphael is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Citizens Securities since 2017, following prior roles at Santander Securities LLC and Santander Bank NA. 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 and a Managed Account program, operating as a broker-dealer and insurance agency.

Kathleen Joy is a financial advisor with Commonwealth Financial Network based in Westford, MA. She holds three years of industry experience and has been retired since 2012. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a variety of advisory programs and services, including wealth management and retirement plan consulting, while providing operational and compliance support to affiliated advisors.

Steven Potwin is a financial advisor with Citizens Securities, Inc. in Hudson, NH, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company, Santander Bank, and TD Bank. He is also a member of the Greater Monadnock Collaborative and serves as a notary public. 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 options and operates as a broker-dealer and insurance agency.

Elizabeth Erickson is a financial advisor at Transamerica Retirement Advisors, LLC with 29 years of industry experience. She holds Series 63, 65, and 66 designations. Her prior roles include positions at Cuna Mutual Group and CUNA Brokerage Services, Inc. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services, using proprietary software and model portfolios provided by Morningstar Investment Management. The firm operates at scale with a large client base and focuses on non-discretionary and discretionary asset management without targeting high-net-worth or corporate clients.

Kieth Tong is a CFP® professional with 24 years of industry experience, currently serving at Citizens Securities, Inc. since 2017. His prior roles include positions at Bank of America, Merrill, Mass Mutual Investors Services, Norton Financial Services, Commonwealth Financial Network, Fidelity, and Waddell & Reed. 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.

Danisha Gonzalez is a financial advisor at Empower Advisory Group with seven years of industry experience. She currently holds Series 63 and Series 65 licenses and has worked at GWFS Equities, Inc. since 2018, following three years at Greater Lawrence Family Health Center. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm’s integrated service model leverages its recordkeeping and administrative platforms to deliver long-term focused financial plans and optional managed account solutions.

Brandon Mahogany is a financial advisor at Foundations Investment Advisors LLC with three years of industry experience. He holds a Series 65 designation and previously worked at Rise North Capital and served in the United States Navy. Mahogany also worked in higher education at Southern New Hampshire University. Foundations Investment Advisors LLC provides financial planning and portfolio management to a broad client base, including individuals, high-net-worth clients, and retirement plans. The firm employs a mix of fundamental, technical, and cyclical analysis and offers tailored advice through model portfolios and discretionary authority arrangements.

Steven Travaglini Sr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Primerica Advisors since 1999 and has been affiliated with Guardian Life Insurance Company of America since 1997. In addition to his advisory role, he operates an insurance services business offering non-Guardian insurance products. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, providing both brokerage and fee-based advisory services alongside financial planning and retirement consulting. The firm utilizes a range of proprietary and third-party investment strategies and offers various account-level services such as lending solutions and donor-advised funds.

James Dicecco is a CFA® charterholder and holds a Series 66 license. He is a financial advisor with T. Rowe Price Advisory Services, Inc., where he has worked since 2026. Prior to joining T. Rowe Price, he held positions at CION Securities, LLC, MFS Institutional Advisors, Inc., MFS Fund Distributors, Inc., and Merrill. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement goals through a combination of nondiscretionary financial planning, retirement income planning, and discretionary investment management, utilizing proprietary mutual funds and ETFs with comprehensive planning tools and support.

William Neville is a financial advisor with Eagle Strategies (NY Life) based in Nashua, NH. He holds a Series 63 designation and has 44 years of industry experience. His career includes long-term roles with NYLife Securities LLC since 1982 and New York Life Insurance Company since 1971. Neville also operates Neville Financial Group, focusing on life annuities, variable, and mutual products. Eagle Strategies serves a broad mix of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm provides tailored advisory solutions across multiple program types, primarily managing assets on a non-discretionary basis within the integrated New York Life affiliate structure.

Jeremy Lathrop is a financial advisor at Citizens Securities, Inc. with 22 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Cco Investment Services Corp, TD Ameritrade, Inc., and Ameriprise. 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 provides a digital advisory program that uses proprietary algorithms to recommend ETF-based portfolios, alongside managed account programs and commission-based brokerage services.

Zakeriah Nabulsi is a CFP® with 17 years of industry experience and is affiliated with Empower Advisory Group. She has worked at Great West Life & Annuity Insurance Company since 2008 and has been involved with the University of Massachusetts Lowell since 2004. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Matthew Cameron is a financial advisor with Citizens Securities, Inc. He holds a Series 66 designation and has 17 years of industry experience. Prior to joining Citizens Securities in 2021, he worked for American Funds Distributors, Inc. for 12 years and BrownDorf PEM, LLC for one year. 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, brokerage, and insurance services, including a digital advisory program and a Managed Account program.

Kelly Carpenter is a financial advisor with Citizens Securities, Inc. in Hudson, NH, holding Series 63 and Series 66 licenses and six years of industry experience. Kelly has worked at Citizens Securities and Citizens Bank in multiple roles since 2013 and has experience in bookkeeping prior to returning to the firm. Outside of advisory work, Kelly is involved in the administration of Twisted Hardscapes, an LLC where responsibilities include invoicing and customer communications. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors, offering both investment advisory and brokerage services. The firm’s advisory programs include a digital advisory platform partnered with SigFig and a Managed Account program, supported by its status as a broker-dealer and insurance agency.

David Visini is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at several financial institutions including JPMorgan Chase Bank and Santander Bank. Outside of finance, he teaches tap dancing several times a week at Refine Dance Studio, a family-owned business. 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 with ETF-based portfolios and discretionary management, while also conducting commission-based brokerage and non-discretionary business.

Brian Gaumont is a financial advisor with Citizens Securities, Inc. in Hudson, NH, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior work includes roles at Santander Securities, LLC, Santander Bank, NA, LPL Financial, and Edward Jones. 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 discretionary and non-discretionary business lines, including a digital advisory program and a Managed Account program.

Kenneth Lahey is a financial advisor with Empower Advisory Group and holds Series 63 and Series 66 licenses. He has 19 years of experience in the industry, including prior roles at Fidelity Personal and Workplace Advisors and Fidelity. Kenneth has been with Empower Financial Services since 2019 and joined Empower Advisory Group in 2025. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Abbey Henderson is a CFP® with 24 years of industry experience, currently serving as an investment advisor representative at NewEdge Advisors. She previously worked at Abaris Financial Group LLC and CWM, LLC. Outside of her advisory work, she owns Abbey Henderson LLC, a life coaching business offering one-on-one sessions and workshops, and is a committee member of the Professional Advisors Leadership Council at the Community Foundation for MetroWest. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisors. The firm provides a broad range of portfolio management, financial planning, and consulting services, utilizing multiple program structures and technology tools to support advisor and client needs.

Elizabeth Malgari is a CFP® professional with five years of industry experience, currently serving as an investment advisor representative at NewEdge Advisors, LLC. She has previously worked at CWM, LLC and Abaris Financial Group. Outside of her advisory role, she owns E. Malgari LLC, a self-directed IRA. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent adviser representatives. The firm offers a broad range of portfolio management and consulting services and utilizes technology and centralized due diligence to support advisor and client needs.

Joseph Perusse is a financial advisor at Citizens Securities, Inc. with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including NYLIFE Securities LLC, Atlantic Planning Group, and Edward Jones. 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 solutions such as a digital advisory program managed in partnership with SigFig and a Managed Account program.