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.

Andrew Gomes is a financial advisor at Empower Advisory Group with three years of industry experience. He holds the Series 66 designation and has worked previously at Fidelity Investments, Merrill, and Bank of America. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and select retail brokerage account holders. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and clients’ savings rates through integrated services linked to Empower’s recordkeeping and administrative platforms.

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.

Melissa Trapp is a financial advisor with Commonwealth Financial Network in Cranston, RI, holding Series 63 and Series 65 licenses and 38 years of industry experience. She has worked at Commonwealth Financial Network since 2000 and previously was associated with Bank of Rhode Island. Her other business activities include fixed insurance sales conducted as an agent under the names BankRI Investment Services or Bank Rhode Island Investment Services. 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 hundreds of thousands of individual and institutional clients. The firm provides a broad adviser-support platform with managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

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.

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.

Brian O'Leary is a financial advisor with Eagle Strategies (NY Life) based in Bridgewater, MA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at Eagle Strategies since 2019 and operates Semper Financial Group, LLC for brokering non-registered insurance products. Outside of advising, O'Leary volunteers with the ETS Sponsorship Program to assist transitioning military personnel and serves on the board of Fisher House Boston, which provides lodging for servicemembers and their families receiving medical care. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, institutional clients, and plan sponsors. The firm offers various advisory programs and emphasizes tailoring recommendations while managing most assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Liam Patel is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and 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 alongside brokerage and insurance services, with a focus on ETF-based portfolios through its digital advisory platform and Managed Account program.

Octavio Fonseca is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior work includes positions at AXA Advisors, LLC and Colony Capital, LLC. 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, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating also 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 the Series 66 designation and has previously worked at 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 operates both a digital advisory program and a Managed Account program, and is wholly owned by Citizens Bank, N.A.

Philip White is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citizens Securities since 2015. 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 while operating as a broker-dealer and insurance agency.

Jackson Wellman is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding a Series 66 designation and one year of industry experience. Prior to joining Citizens Securities, he worked at Equitable Advisors and has experience outside finance, including a role at Door Dash. He also serves as a volunteer 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 both investment advisory programs and brokerage and insurance services. The firm provides various advisory options, including a digital advisory program and managed accounts, alongside commission-based brokerage operations.

Dennis Rouke is a financial advisor at Citizens Securities, Inc. with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked primarily at Citizens Securities since 2017, with a prior three-year tenure at Merrill. Citizens Securities serves a broad retail client base including individual and high-net-worth investors as well as individual retirement plans. The firm offers both investment advisory programs and brokerage and insurance services, with advisory options including a digital program managed in partnership with SigFig and a separate Managed Account program.

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 associated with Cco Investment Services Corp. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers a range of investment advisory and brokerage services, including a digital advisory program and managed accounts, and operates as both a broker-dealer and insurance agency.

William Jacques is a financial advisor at Citizens Securities, Inc. with 26 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 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, operating both discretionary and non-discretionary accounts.

Andrew Martelly is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Merrill, and Fall River Five Cents Savings Bank. Outside of his advisory role, Martelly 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 and individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory program and a Managed Account program.

David Brower is a CFP® professional with 26 years of experience in the financial services industry. He is currently with Private Advisor Group, LLC and has previously worked at Independent Financial Partners, LPL Financial, MICG Investment Management, and Morgan Stanley. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and access to managed account solutions including proprietary and third-party platforms. The firm emphasizes a fiduciary-based advisory model that integrates client goals with a variety of investment strategies and technology 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.

David Burt is a financial advisor with Eagle Strategies (NY Life) based in Bridgewater, MA. He holds the ChFC® designation and Series 63 license and has 11 years of industry experience. Burt has been associated with Eagle Strategies since 2023 and has concurrently worked with Nylife Securities, LLC and New York Life Insurance Company since 2014. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement plan advisory services. The firm emphasizes tailored recommendations and manages a majority of its assets on a non-discretionary basis, working with diverse clients including defined contribution and defined benefit plans, charitable organizations, and corporate clients.