Robert Munoz is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. He holds the Series 63 and Series 65 designations and has worked in various roles within Citizens Bank and Citizens Securities since 2011. Citizens Securities serves a broad retail client base that includes individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program with ETF-based portfolios managed through proprietary algorithms, in addition to commission-based brokerage and non-discretionary business.

Collin Ahearn is a financial advisor at Citizens Securities, Inc. with two years of industry experience. He holds the Series 66 designation and has worked in various roles including at Fidelity Investments and DoorDash. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and offers both advisory and brokerage services, with investment programs that include a digital advisory platform and managed accounts.

Kara Tavernier is a financial advisor with Eagle Strategies (NY Life), holding Series 63 and Series 65 licenses and with 19 years of industry experience. She has been with Eagle Strategies since 2020 and has also worked with Nylife Securities, Inc. and New York Life Insurance Company since 2006. In addition to her advisory role, she serves as a board member for the Boys and Girls Club of East Providence. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with the majority of its assets managed on a non-discretionary basis.

David Vanech is a financial advisor with Oppenheimer in Providence, RI, holding a Series 66 designation and 19 years of industry experience. He has worked at Oppenheimer since 2010, with prior experience at Morgan Stanley from 2007 to 2010. Vanech serves on the board of Branch LLC, a strategic advisory firm specializing in brand marketing and cultural leadership strategies. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of programs and advisory services, including discretionary and non-discretionary portfolio management, with a notable portion of assets managed on a non-discretionary basis.

Elmer Jocol is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 66 credentials and 12 years of industry experience. His prior experience includes roles at Bank of America, Merrill, and LPL Financial. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients, using a combination of strategic and tactical asset allocation through affiliated and third-party sub-managers.

Dylan Menard is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Fidelity Investments, LeaderOne Financial Corporation, and ONTO Mortgage LLC. 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 a digital advisory program utilizing proprietary algorithms and a Managed Account program, in addition to commission-based brokerage services.

Cory Hangan is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 66 designations and four years of industry experience. His prior work includes positions at TD Private Client Wealth LLC, TD Bank, Peoples United Bank, and J.P. Morgan Chase. 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 a digital advisory program featuring ETF-based portfolios and a Managed Account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Gabriel Defeo is a financial advisor at Citizens Securities, Inc. with 27 years of industry experience. He has been with Citizens Securities since 2006 and holds the Series 63 and Series 65 designations. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm provides a digital advisory platform featuring ETF-based portfolios managed through proprietary algorithms, alongside more traditional managed account and brokerage options.

Alan Testa is a Series 66 licensed advisor with Commonwealth Financial Network, bringing 20 years of industry experience. He has worked at several firms including Beacon Investment Services, Bank Rhode Island, UBS Financial Services, and Morgan Stanley. Testa is also involved in fixed insurance sales under the name Bari Investment Services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and managing approximately $213 billion in client assets. The firm provides a comprehensive adviser-support platform with managed account programs, access to third-party asset managers, and custody services.

George Young is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include several years with Prudential-affiliated entities from 2014 to 2020. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering both investment advisory programs and brokerage and insurance services. The firm’s advisory approach includes a digital advisory platform and a Managed Account program, alongside commission-based brokerage activities.

Christopher Smith is a CFP® professional with seven years of experience in the financial services industry. He is currently with Citizens Securities, Inc., and has previous experience at Fidelity Investments, Merrill Edge, and Citizens Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm provides both advisory and brokerage services, including a digital advisory program and Managed Account offerings.

Marilyn Nakhla is a financial advisor at TD Private Client Wealth LLC with one year of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms, including J.P. Morgan Securities and Needham Bank. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail investors. The firm combines strategic and tactical asset allocation with investments from affiliated and third-party managers, offering portfolio management, financial planning, and custody through a technology platform supported by Envestnet and Pershing.

Pye Moiiz is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at Citizens Securities since 1997. Outside of his advisory role, he owns a multi-family rental property in Dorchester, MA. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs along with brokerage and insurance services. The firm’s offerings include a digital advisory program utilizing ETF-based portfolios driven by proprietary algorithms, as well as a Managed Account program, and it operates as a broker-dealer and insurance agency.

Jedediah Koenigsberg is a financial advisor at TIAA-CREF with Series 63 and Series 65 credentials and four years of industry experience. He has worked at TIAA since 2019 and previously spent twelve years at MFS Investment Management. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm operates a vertically integrated advisory model offering both one-time financial planning and ongoing portfolio management through model and customized portfolios.

Timothy Keohan is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds a Series 66 designation and previously worked at Commonwealth Financial Network and First Marblehead. 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 alongside managed accounts and operates as a broker-dealer and insurance agency.

Eric Foley is a CFP® with 18 years of experience in the financial services industry. He is currently with Citizens Securities, Inc., having joined the firm in 2026. His prior roles include positions at Santander Securities, LLC and TIAA-CREF. Outside of his advisory work, Foley serves as an equipment manager and board member for the Canton Little League in Massachusetts. 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, and it operates as a broker-dealer and insurance agency.

Robert Lonardo is a financial advisor with Citizens Securities, Inc. and holds Series 63 and Series 65 licenses. He has 19 years of industry experience, including roles at Merrill, Fidelity, and Banc of America Investment Services. In addition to his advisory career, he has been involved with Downeast Cider House since 2015. 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’s advisory offerings include a digital advisory program and a Managed Account program, operating as part of Citizens Bank with proprietary banking and brokerage capabilities.

Michael Taylor is a Series 65-licensed financial advisor with Integrated Wealth Concepts LLC and has three years of industry experience. He also has over a decade of experience with Taylor & Company, PC. Outside of advising, Taylor is the owner of Frosh Properties LLC, a non-investment-related rental property business. Integrated Wealth Concepts serves individuals, families, trusts, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios with a primarily long-term approach and utilizing both internal management and third-party asset managers.

Michael Collins is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and has prior work experience with firms including Equitable Advisors, LLC, MML Investors Services, LLC, and MassMutual Life Insurance Co. Before entering the industry, Collins was a self-employed day trader and worked at FedEx Corporation. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers a variety of investment advisory programs alongside brokerage and insurance services, including a digital advisory platform and a Managed Account program.

Martin Bodner is a financial advisor with Integrated Wealth Concepts LLC in Lincoln, Rhode Island, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. His career includes over three decades at Coburn & Meredith, Inc. before joining Integrated Wealth Concepts and LPL Financial in 2021. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, emphasizing customized portfolios and a long-term investment approach combined with operational practices including AI guidelines and cryptocurrency advisory frameworks.