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.

Brendon Fausset is a financial advisor with Eagle Strategies (NY Life) holding Series 63 and Series 65 licenses and has three years of industry experience. His prior work includes roles at NYLIFE Securities LLC and New York Life Insurance Company, along with five years at Atlantic Custom Builders. Eagle Strategies serves a diverse client base including individuals and institutions, providing financial planning, investment management, and retirement plan advisory services. The firm offers multiple advisory programs and focuses on tailoring solutions to client objectives, with a significant portion of its assets managed on a non-discretionary basis.

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.

Tia Finn is a financial advisor at Eagle Strategies (NY Life) with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Eagle Strategies, she worked at Riverview Capital Advisers, LLC and The Colony Group, and has held roles at Liberty Mutual Insurance. She is also a part-time student at Boston University pursuing financial planning. Eagle Strategies serves a diverse client base including individuals, defined contribution and defined benefit plans, as well as charitable and corporate clients. The firm offers financial planning, investment management, and retirement plan advisory services, emphasizing tailored recommendations delivered through multiple program types and primarily managing assets on a non-discretionary basis.

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.

Chandler Winchester is a financial advisor with Guardian Life and holds a Series 66 designation. He has nine years of industry experience, including roles at Park Avenue Securities, Securian Financial Services, and SagePoint Financial. Winchester also operates a wealth management practice under the DBA Lifepoints Financial. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with brokerage services, financial planning, and investment advisory programs.