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 65 and Series 63 licenses and has previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Needham Bank. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients and high-net-worth private clients. The firm combines strategic and tactical asset allocation with investments from affiliated and third-party sub-managers and offers ongoing portfolio management, financial planning support, and custody through third-party custodians.

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. in Johnston, RI, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Cco Investment Services Corp. and is involved with Downeast Cider House, an outside business activity he has maintained since 2015. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, providing investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program utilizing proprietary algorithms and a Managed Account program, operating as a broker-dealer and insurance agency and is wholly owned by Citizens Bank, N.A.

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.

Nicholas Sousa is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and First Citizens Federal Credit Union. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm provides a digital advisory program with ETF-based portfolios and a Managed Account program, operating as both a broker-dealer and insurance agency.

Igor Avelar is a financial advisor with TD Private Client Wealth LLC and TD Bank N.A., holding Series 63 and Series 65 licenses with six years of industry experience. He has worked at TD Bank and its affiliated wealth management firms since 2016. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth clients, combining strategic and tactical asset allocation through portfolios managed by both affiliated and third-party sub-managers.

Joshua Davis is a CFP® professional with 29 years of industry experience, currently serving at Citizens Securities, Inc. since 2008. He holds Series 63 and Series 65 licenses and is based in Johnston, Rhode Island. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm provides a digital advisory program and a Managed Account program, operating as a broker-dealer and insurance agency, and is wholly owned by Citizens Bank, N.A.

Rosemary Miller is a Series 66-licensed financial advisor with 24 years of industry experience. She has been with CCO Investment Services since 2013. Citizens Securities, Inc. serves a diverse retail client base, including individual and high-net-worth investors and retirement plans. The firm offers both investment advisory programs, including a digital advisory platform managed in partnership with SigFig, and brokerage and insurance services, operating as a broker-dealer and insurance agency.

Carol Jackson is a financial advisor at Citizens Securities, Inc. in Johnston, Rhode Island, with 23 years of industry experience. She has been with Citizens Securities since 2010 and holds Series 63 and Series 66 credentials. 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, and operates a digital advisory platform alongside a Managed Account program.

Max Borgus is a financial advisor at Citizens Securities, Inc. with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and other firms. His background also includes nine years of service in the U.S. Army. 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 approach includes both a digital advisory program with ETF-based portfolios and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Addison Wheeler is a financial advisor at Empower Advisory Group with a Series 66 designation and five years of industry experience. Prior to joining Empower, he worked at Fidelity Investments and held various roles in the car wash industry and other businesses. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm offers integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Steven Kuk is a financial advisor with Citizens Securities, Inc., holding Series 65 and Series 63 credentials and 24 years of industry experience. He has been with Citizens Securities since 2016 and Citizens Bank since 2025. Outside of his advisory role, he is active as a soccer coach, serving as a private goalkeeper coach, head soccer coach at Burrillville High School, and a goalkeeper coach for local soccer programs. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program that uses proprietary algorithms and a client risk-tolerance questionnaire to recommend ETF-based portfolios.

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 at Citizens Securities, Inc. and Citizens Bank Mass. He holds Series 63 and Series 65 licenses and is based in Johnston, Rhode Island. 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 operates both digital and managed account advisory programs and is wholly owned by Citizens Bank, N.A.