Salvatore Tocco IV is a financial advisor at Janney Montgomery Scott with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Janney Montgomery Scott since 2012. Janney Montgomery Scott LLC is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage, financial planning, consulting, and advisory services through multiple wrap programs and portfolio management solutions.

John Valentine is a financial advisor at Citizens Securities, Inc. with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Banc of America Investment Services, Inc. and the United States Postal Service. 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 solutions include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Steven Humm is a CFA® charterholder with one year of experience at TIAA-CREF and four years at TIAA, following six years at Bank of America. He is based in Providence, RI. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm separates point-in-time planning services from ongoing discretionary management and serves as adviser to the TIAA Donor Advised Fund.

Jason Dodd is a financial advisor at Oppenheimer with 20 years of industry experience. He holds Series 65 and Series 66 credentials and has been with Oppenheimer & Co since 2010. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of programs including asset management, consulting, and retirement services, delivering both discretionary and non-discretionary advisory solutions across equity, balanced, and fixed-income portfolios.

Robert Pinelli is a financial advisor at Citizens Securities, Inc. with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Merrill and Bank Rhode Island. He is also a Notary Public. 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 both digital and managed account advisory options and operates as a broker-dealer and insurance agency.

Stephen Wilson is a financial advisor at Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has been with Citizens Securities since 2013. 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’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Jonathan Habib is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63, 65, and 66 designations and 26 years of industry experience. He has worked at Citizens Securities since 2022, with prior experience at Commonwealth Financial Network and Santander Securities, LLC. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm provides both digital and managed account advisory solutions and operates as a broker-dealer and insurance agency.

Rodger Jordan is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and 65 licenses and seven years of industry experience. His prior work includes roles at firms such as Transamerica Financial Advisors, PNC Investments, and Ameriprise Financial Services. Outside of his advisory work, he serves as an independent preacher and minister. 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 offerings include a digital advisory program managed with SigFig and a Managed Account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Luis Obando is a financial advisor with Guardian Life and holds Series 63 and Series 66 licenses. He has 12 years of industry experience, including eight years at Mass Mutual Investors Services and current roles at Park Avenue Securities and Guardian Life. Outside of advisory work, he owns and operates L G Financial, Inc., a non-investment-related business. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm employs a combination of advisor-led discretionary management and model-based strategies, providing access to proprietary programs, third-party advisory solutions, and integrated lending options.

Marc Kurzberg is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and previously worked at Bank of America, Merrill, KeyBank, and New York Life Insurance/American Income Life. Outside of advising, he serves as a varsity wrestling coach for Braintree Public Schools. 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 focused on ETF portfolios and manages both discretionary and non-discretionary accounts.

Abraham Rosenberg is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and having 10 years of industry experience. Prior to joining Citizens Securities in 2018, he worked at Bank of America and Merrill from 2016 to 2018. 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 provides both a digital advisory program and a Managed Account program, and operates as a broker-dealer and insurance agency.

Christopher Genao is a financial advisor with Bankers Life Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has two years of industry experience. His prior work includes roles at Bankers Life Securities, Inc., Bankers Life & Casualty, Inc., Bunker Hill Market, and Amazon. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management according to clients’ goals and risk tolerances.

Megan Ruo is a financial advisor at Citizens Securities, Inc. with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms including Santander Securities, LLC, and Dedham Savings Bank. Outside of her advisory role, she also works as a personal trainer through her coaching and training business. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering both advisory and brokerage services. The firm’s offerings include a digital advisory program with ETF-based portfolios and a managed account program, operating as a broker-dealer and insurance agency.

David Knott is a financial advisor at Citizens Securities, Inc. with five years of industry experience. He holds the Series 66 designation and has worked previously at Equity Services, Inc. and National Life Group. Knott also serves as the chief investment officer for the Knott Family Trust, managing a portfolio of stocks and bonds. 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 programs, including a digital advisory platform using proprietary algorithms and a bank-owned deposit sweep program.

Cindy Ryan is a financial advisor at TIAA-CREF with 16 years of industry experience. She holds a Series 66 credential and has previously worked at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, MSI Financial Services, and Metlife Securities. Ryan serves as a Board of Director for the Greenville Terrace Subdivision Homeowners Association in Rhode Island, where she participates in meeting recordkeeping and communications. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with TIAA-administered retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, with features including customized portfolios, fiduciary standards, and advisory services for a donor-advised fund.

Riley Flanagan is a financial advisor at Citizens Securities, Inc. with six years of industry experience. He holds the Series 66 designation and previously worked at Northwestern Mutual Investment Services LLC and Numeric Investors. 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 managed account services while operating as a broker-dealer and insurance agency.

Sean Schooley is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds the Series 66 designation and previously worked at Allstate Insurance Co. and Prudential Insurance Company of America. Outside of his advisory role, he has operated AB Computer Hardware since 2019. 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, operating as a broker-dealer and insurance agency under full ownership by Citizens Bank, N.A.

Scott Miller is a financial advisor at AE Wealth Management, LLC with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Merrill Lynch, Ascent Advisors, Centerville Bank, and Massey & Associates. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm emphasizes standardized model and platform services and manages approximately $49.8 billion for over 127,000 clients.

Darvin Acosta Filpo is a financial advisor with Eagle Strategies (NY Life) based in Johnston, RI. He holds Series 63 and Series 65 licenses and has four years of industry experience. His background includes roles at NYLIFE Securities LLC, New York Life Insurance Company, and BankNewport. Eagle Strategies serves a diverse client base including individual investors and institutional retirement plans, providing financial planning, investment management, and retirement-plan advisory services. The firm offers tailored solutions through multiple program types and operates primarily on a non-discretionary asset management model within an integrated New York Life affiliate structure.

Alexas Cabral is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including AE Wealth Management, LLC and Massey and Associates, Inc. Outside of advising, he serves as a notary public and participates in consumer research survey-taking. 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 approach includes a digital advisory program and a Managed Account program, while also operating as a broker-dealer and insurance agency.