Chandler Winchester is a financial advisor at Guardian Life with nine years of industry experience. He holds a Series 66 credential and has worked at firms including Securian Financial Services, SAGEPOINT FINANCIAL, and OSAIC. He also operates a wealth management practice under the DBA Lifepoints Financial. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers access to proprietary programs, third-party solutions, and insurance products through its connection with Guardian Life.

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.

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 at Citizens Securities, Inc. with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including AXA Advisors, LLC, Investment and Protection Solutions, LLC, and Colony Capital, LLC. He serves as a 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 using proprietary algorithms and a Managed Account program, supported by its status 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 with Integrated Wealth Concepts LLC, holding a Series 66 designation and over 13 years of industry experience. He has been with Integrated Wealth Concepts and LPL Financial since 2016 and has operated a CPA practice since 1984. Outside of finance, he owns a business called Atwood Ave Donuts, Inc. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, and family office services, employing a long-term investment approach combined with customized portfolios using mutual funds, ETFs, equities, and fixed income.

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.

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.

Carrie Mcnair is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. Her background includes nearly a decade at Valic Financial Advisors and prior roles at Agia and MSI Financial Services. Lincoln Investment Planning, LLC serves a diverse client base including individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, advisor-led consulting, and portfolio management supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive strategies.

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.

Andrew Macleod is a financial advisor at Citizens Securities, Inc. with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including First Allied Securities Inc, Cetera-affiliated entities, and Voya Financial Advisors. Citizens Securities serves a broad retail client base with investment advisory programs, brokerage, and insurance services. The firm offers a digital advisory program focused on ETF-based portfolios and a Managed Account program, while also operating as a broker-dealer and insurance agency.

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.

Clifford Usher is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds the Series 65 and Series 63 licenses and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Bank of America, and the United States Postal Service. Usher also serves in the US Navy Reserve. 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 advisory offerings that include a digital advisory program managed in partnership with SigFig and a Managed Account program.

Kim George is a CFP® with 25 years of industry experience, currently affiliated with Commonwealth Financial Network since 2009. She also maintains a role at Derouin Investment & Retirement Services. Her activities include serving as power of attorney for a family member and conducting fixed insurance business under the DBA Decisive Wealth Management. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with a range of advisory programs, technology, and operational services. The firm offers discretionary model portfolios and multiple program structures, enabling advisors to construct client portfolios using diverse securities and insurance products.