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.

Andrew Macleod is a financial advisor at Citizens Securities, Inc. with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with several firms including Voya Financial Advisors and First Allied Securities. 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, while 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 with Citizens Securities, Inc. in Johnston, RI, holding Series 65 and Series 63 credentials and four years of industry experience. His background includes roles at Citizens Bank, JPMorgan Chase Bank, J.P. Morgan Securities LLC, and Bank of America. Usher serves in the U.S. Navy Reserve, a position he has held since 2010. 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 with ETF-based portfolios and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Nicholas Decelles is a financial advisor at TD Private Client Wealth LLC with a Series 66 designation. He has one year of industry experience and has worked at TD Bank since 2023. His background includes roles outside finance, such as positions at Bryant University and the Wide World of Indoor Sports. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients. The firm combines strategic and tactical asset allocation with investments managed by affiliated and third-party sub-managers.

Leanda Hodgkin is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has worked within Citizens Securities and Citizens Bank since 2012. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, and provides investment advisory programs alongside brokerage and insurance services. The firm offers a digital advisory program featuring ETF-based portfolios managed with proprietary algorithms, as well as a Managed Account program.

David Loughlin is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Citizens Securities and Citizens Bank, as well as TD Bank. Citizens Securities serves a broad retail client base, including individuals, high-net-worth investors, and individual retirement plans, offering investment advisory programs along with brokerage and insurance services. The firm’s advisory approach includes a digital program utilizing ETF-based portfolios managed with proprietary algorithms and risk-tolerance questionnaires, though its overall business also includes commission-based brokerage and other non-discretionary activities.

Megan St.Amant is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island. She holds Series 63 and Series 65 licenses and has 11 years of industry experience, all with Citizens Securities since 2015. 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 approach includes a digital advisory program and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Daniel Fazah is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to understand their financial goals and develop strategies to address their short-, mid-, and long-term objectives. He provides ongoing advice and guidance, helping clients manage a variety of priorities including investing, retirement planning, and saving for unexpected expenses. Additionally, he connects clients with Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Daniel brings expertise in creating portfolio strategies tailored to individual client needs and adapting these strategies as circumstances change. He holds the Personal Investment Advisor (PIA) professional designation and earned a Bachelor's Degree from Rhode Island College. His approach emphasizes uncovering what matters most to clients and their families to support the pursuit of their financial goals.

Kyle Wood is a financial advisor at Citizens Securities, Inc. with 11 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. from 2014 to 2018. Outside of his advisory role, he serves as head coach and assistant football coordinator for Dighton-Rehoboth Jr Football. 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.

Silvi Sinoimeri is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and nine years of industry experience. Her career includes roles at Santander Securities, LLC, Santander Bank, NA, and Citizens Bank. 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 include a digital advisory program and managed accounts, while operating as a broker-dealer and insurance agency.