Charles Kunzelman is a CFP® with 27 years of industry experience, currently serving at Citizens Securities, Inc. since 2000. He holds Series 63 and Series 65 licenses and is a notary public in the State of Connecticut. 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 a digital advisory program and a managed account program, while also functioning as a broker-dealer and insurance agency.

Kevin Daley is a financial advisor at Citizens Securities, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Santander Securities, LLC, Santander Bank, NA, Eastern Bank, and Investment Professionals, Inc. since 2010. 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 both a broker-dealer and insurance agency.

Melissa Trapp is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has been with Commonwealth Financial Network and Bank of Rhode Island since 2000. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services, including discretionary model portfolios and customized investment solutions. The firm functions primarily as a platform and back-office provider, supporting affiliated advisors with operations, trading, technology, compliance, and practice management.

Chandler Winchester is a financial advisor with Guardian Life and holds a Series 66 designation. He has eight years of industry experience and has worked at several firms including Securian Financial Services, SagePoint Financial, and OSAIC. Winchester also operates a wealth management practice under the DBA Lifepoints Financial. He is affiliated with Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America that offers brokerage services, financial planning, and investment advisory solutions to individuals, pension plans, charitable organizations, and corporate clients. The firm uses a combination of proprietary and third-party investment models and provides discretionary and non-discretionary advisory services.

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.

Joseph Tallman is a financial advisor at Commonwealth Financial Network with a Series 65 designation and one year of industry experience. His prior work includes roles at Sowa Financial Group, Dave's Marketplace, Bryant University, and Community College of Rhode Island. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing roughly $212.7 billion in client assets. The firm offers a broad adviser-support platform that includes managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Liam Patel is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and has previously worked at Equitable Advisors, LLC, NorthStar Financial, Method 3, and TurnKey Lender. 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 that employs proprietary algorithms to recommend ETF-based portfolios tailored to client risk profiles.

Octavio Fonseca is a financial advisor at Citizens Securities, Inc. in Providence, RI, holding Series 63 and Series 65 licenses with 26 years of industry experience. His prior roles include positions at AXA Advisors, LLC and Colony Capital, LLC (formerly NorthStar Securities, LLC). Outside of his advisory work, he serves as Durable Power of Attorney for Health Care for his spouse. 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.

Ryan Donovan is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds a Series 66 designation and has previous work experience at Bank of America, Merrill, and QMed Innovations. 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 advice platform using proprietary algorithms and a managed account program, while also operating as a broker-dealer and insurance agency.

Philip White is a financial advisor at Citizens Securities, Inc. with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citizens Securities since 2015. Citizens Securities serves a diverse 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 and a Managed Account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Delcarme Francois Le Fort is a financial advisor at Empower Advisory Group with Series 63 and Series 65 credentials and over four years of industry experience. His prior roles include positions at TIAA, Charles Schwab, and Citizens Bank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm’s integrated services emphasize long-term portfolio returns and savings rates, delivered through platforms tied to Empower’s recordkeeping and administrative systems.

Jackson Wellman is a financial advisor with Citizens Securities, Inc. in Johnston, RI. He holds a Series 66 designation and has been in the industry since 2025. Prior to joining Citizens Securities, he worked briefly at Equitable Advisors and held various roles outside the financial industry. He volunteers as an assistant football coach at the University of Massachusetts Dartmouth. 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.

Dennis Rouke is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island. He holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior experience includes working at Merrill from 2014 to 2017. 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, with notable offerings including a digital advisory program that uses proprietary algorithms to recommend ETF-based portfolios tailored by client risk profiles.

Colleen Donahue is a financial advisor with Citizens Securities, Inc. She holds Series 63 and Series 65 licenses and has 28 years of industry experience. Since 2009, she has been with Cco Investment Services Corp. in Johnston, RI. 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 digital and managed account advisory programs and is wholly owned by Citizens Bank, N.A.

William Jacques is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Citizens Securities in 2022, he worked at Santander Securities, LLC and Santander Bank, NA from 2015 to 2022. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm provides both digital and managed account advisory solutions and operates as a broker-dealer and insurance agency.

Andrew Martelly is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, University of Massachusetts Boston, and Fall River Five Cents Savings Bank. Martelly also serves as a constable for the Town of Swansea, Massachusetts. 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 and a Managed Account program, operating as a broker-dealer and insurance agency within a diversified financial services enterprise.

David Brower is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Private Advisor Group, LLC since 2018. He previously worked at Independent Financial Partners and has also been affiliated with LPL Financial since 2010. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers a range of portfolio management and financial planning services, employing various investment strategies and supporting held-away account management through multiple custodians and third-party platforms.

Julio Murga is a financial advisor at TIAA-CREF with 21 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, and corporate entities. The firm offers both model-based and customized portfolio management within a vertically integrated structure that includes affiliated funds.

Andrew Macleod is a financial advisor at Citizens Securities, Inc. with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Cetera Financial Specialists LLC and Voya Financial Advisors. Citizens Securities serves a diverse 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 based on ETF portfolios and a Managed Account program, operating alongside its broker-dealer and insurance functions.

Daniel Samson is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with TIAA Individual & Institutional Services, LLC since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered retirement plans. The firm operates within a vertically integrated group and applies a fiduciary standard to its advisory services.