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.

Christopher De Rouin is a CFP® and holds a Series 66 license with seven years of industry experience. He is currently with Commonwealth Financial Network and has prior experience at Morgan Stanley, Decisive Wealth Management, Citizens Securities, Inc., and Kahn, Litwin, Renza & Co., Ltd. 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 both individual and institutional clients. The firm offers a range of managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

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.

Seth Desautel is a financial advisor with AE Wealth Management, LLC based in Warwick, RI. He holds Series 63 and Series 65 licenses and has six years of industry experience. Prior to joining AE Wealth Management in 2021, he worked at Merrill Lynch and Merrill Edge from 2016 to 2018 and was involved with Massie DeMarco as a general contractor. He is also active with Massey and Associates, Inc., where he serves as an investment advisor. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base that includes individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and a combination of fundamental, technical, and cyclical investment strategies to manage approximately $49.8 billion for over 127,000 clients.

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.

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, 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.

Matthew Hassett is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has worked at Janney Montgomery Scott since 2015. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and advisory programs through a combination of in-house and third-party portfolio management.

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.

Bradley Whelan is a financial advisor with Empower Advisory Group in Barrington, RI, holding Series 63 and Series 65 credentials and 15 years of industry experience. His prior roles include positions at GWFS Equities, Principal Securities Inc., and Principal Life Insurance Company. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, offering integrated services connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its financial planning, serving a large participant base with a high client-to-advisor ratio.

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 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.

Mark Karnes is a financial advisor at Integrated Wealth Concepts LLC with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors. In addition to his advisory work, he is the owner of Atwood Ave Donuts, Inc. Integrated Wealth Concepts serves a diverse client base including individuals, families, trusts, and businesses, providing discretionary investment management, financial planning, and retirement plan advisory services through a network of independent advisors. The firm employs customized portfolio construction using mutual funds, ETFs, equities, and fixed income with a long-term approach alongside tactical rebalancing.

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.

Grant Brown is a CFP® with eight years of industry experience, currently serving as an Investment Advisor at Kestra Advisory Services, LLC. He has prior experience as Vice President at Compensation Planning Inc., where he focused on ERISA compliance and retirement plan consulting. Brown also holds a board position with the Estate Planning Council of Rhode Island. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering services including fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions.

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.