Steven Kuk is a financial advisor with Citizens Securities, Inc. holding Series 65 and Series 63 licenses and 24 years of industry experience. He has been with Citizens Securities since 2016 and has also worked at Citizens Bank. Outside of finance, Kuk is actively involved in soccer coaching, serving as a private goalkeeper coach, a coach for WWIS Soccer/Mach 1, and the head soccer coach at Burrillville High School. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, and offers investment advisory programs along with brokerage and insurance services. The firm operates both discretionary and non-discretionary platforms and is wholly owned by Citizens Bank, N.A.

Armand Cote III is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Larson, Potter, Stratton & Cote Financial since 2018 and has been affiliated with Commonwealth since 2014. Outside of his advisory roles, he is a co-owner of Harte's Home, Inc., a furniture store. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, trading, technology, investment management, compliance, and practice management, offering both discretionary model portfolios and customizable program options.

John Foster is a CFP® professional with 29 years of experience, currently serving at Citizens Securities, Inc. since 1997. His career has been consistently tied to Citizens Bank Mass during the same period. Citizens Securities, Inc. serves a broad 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, and it operates as both a broker-dealer and insurance agency.

Obed Daphnis is a financial advisor at Citizens Securities, Inc. with five years of industry experience and holds the Series 66 designation. His work history includes roles at Merrill, Bank of America, and The Prudential Insurance Company of America. Outside of his advisory work, he serves as a board member for Restoration Community Church and HOPE International-Haiti, and he is involved as a bookkeeper for a refugee relief program. 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 operates a digital advisory program utilizing proprietary algorithms alongside other commission-based brokerage activities, and it is wholly owned by Citizens Bank, N.A.

Lawrence Flynn is a financial advisor at Oppenheimer with 36 years of industry experience. He has been with Oppenheimer since 2007 and holds Series 63 and Series 65 licenses. Outside of his advisory role, Flynn serves on the Board of Directors for Day One, a charitable organization supporting abused children, and participates on the investment committee for the Providence Public Library. Oppenheimer serves a diverse client base, including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and retirement planning. The firm employs a variety of investment strategies and acts as a qualified custodian for client assets.

Lee Hurney is a financial advisor at Citizens Securities, Inc. with 28 years of industry experience. He holds the Series 63, Series 65, and Series 66 registrations. His prior experience includes roles at Prudential Annuities Distributors, Prudential Insurance Company of America, Transamerica Capital Inc., GWFS Equities, LPL Financial, and National Planning Corporation. 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 provides a digital advisory program and managed account services while operating as a broker-dealer and insurance agency.

Michael Cortazzo is a financial advisor at TLG Advisors, Inc. with 12 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company. He is currently affiliated with SPG Life & Annuity and Simplicity Investments. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm focuses on manager selection and monitoring, utilizing fundamental analysis and Modern Portfolio Theory to build diversified portfolios, and offers both traditional advisory services and a direct-to-consumer digital program called Starlight Portfolios.

Le Eric Daye is a financial advisor at TIAA-CREF with 24 years of industry experience. He holds Series 65 and Series 66 licenses and has worked with TIAA-CREF since 2007, including prior experience at Beacon Pointe Advisors and its insurance services division. Outside of his advisory role, he is involved with Rodman for Kids. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, acting as adviser to a donor-advised fund and operating within a vertically integrated group utilizing affiliated funds.

Juan Pablo Rios is a financial advisor with Citizens Securities, Inc. He holds a Series 66 designation and has 21 years of industry experience. Prior to joining Citizens Securities in 2019, he worked at Ameriprise Financial Services, Oppenheimer & Co., and J.P. Morgan Securities. Outside of his advisory role, he is involved as an assistant property manager. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory platform and managed account programs, and is wholly owned by Citizens Bank, N.A.

Richard Hertzberg Jr. is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Commonwealth since 2001. He is also the managing member and sole owner of AMES Financial Services, LLC. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, third-party asset manager access, and wealth management services. The firm supports advisors with operations, technology, investment management, compliance, and practice-management resources.

Corey Caron is a financial advisor at Citizens Securities, Inc. with a Series 66 designation and five years of prior experience at Conning Asset Management and Hanover Insurance Group. He joined Citizens Securities in 2025 and is based in West Hartford, CT. 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, supporting both discretionary and non-discretionary investment activities.

Stephen Singmon is a financial advisor at Citizens Securities, Inc. in Brighton, MA, with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citizens Securities since 2016. 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 featuring ETF-based portfolios managed with proprietary algorithms, as well as a Managed Account program.

Alexander Colon is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at various entities within the Citizens organization since 2017 and previously held positions at Bank of America and Pawtucket Credit Union. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory approach includes a digital advisory program focused on ETF-based portfolios and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Matthew Casey is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and two years of industry experience. He has been with Citizens Securities and Citizens Bank since 2023 and is also involved with Refocus Inc., where he has been active 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, operating as both a broker-dealer and insurance agency.

William Harig is a financial advisor with TIAA-CREF in Providence, RI, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior work includes roles at Horace Mann Companies and Citizens Securities, Inc., among others. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to employer retirement plans administered by TIAA. The firm offers both point-in-time financial planning and ongoing discretionary management through model portfolios and customized solutions.

Anthony Caruso Jr. is a financial advisor with Citizens Securities, Inc. He holds Series 65 and Series 63 licenses and has two years of industry experience. Prior to joining Citizens Securities, he worked at Fidelity Investments and Equitable Advisors. Outside of finance, he has experience in lawn care through AAA Professional Lawn Care. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, providing investment advisory programs, brokerage, and insurance services. The firm offers both a digital advisory program and managed account services and operates as a broker-dealer and insurance agency.

John Riester is a CFP®-certified financial advisor with 12 years of industry experience, currently working at Citizens Securities, Inc. since 2015. He holds Series 63 and Series 65 licenses and operates out of Johnston, RI. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory, brokerage, and insurance services. The firm provides both a Managed Account program and a digital advisory program featuring ETF-based portfolios supported by proprietary algorithms.

Puneet Singh is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds a Series 66 designation and has previous work experience at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America, Merrill Lynch, Webster Bank, and Citizens Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm provides a digital advisory program with ETF-based portfolios and a Managed Account program while also operating as a broker-dealer and insurance agency.

Timothy Demeritt is a CFP® with 25 years of industry experience, currently serving at Integrated Wealth Concepts LLC since 2016. He previously worked at Lincoln Financial Advisors from 2007 to 2016. 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 customized portfolios with a long-term investment approach and utilizing both internal management and third-party asset managers.

Jeffrey Little is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining PNC Wealth Management, he worked at LPL Enterprise, Citizens Securities, and Citizens Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithm-driven risk assessment and invests primarily in mutual funds and ETFs. The firm’s approach involves third-party delegates for portfolio management and includes proprietary cash-sweep and revenue-sharing arrangements.