Dylan Menard is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and previously worked at Fidelity Investments and LeaderOne Financial Corporation. 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 provides both digital and managed account advisory options and operates as a broker-dealer and insurance agency.

Christine Testoni is a financial advisor with Citizens Securities, Inc. and holds Series 63 and Series 66 licenses. She has 14 years of industry experience, including prior roles at Granite Telecommunications and Citizens Bank. Outside of her advisory work, she has experience as a bridal attendant and server with Russell Morins Catering. 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 both digital and managed account advisory programs and operates as a broker-dealer and insurance agency.

Cory Hangan is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 66 licenses and having four years of industry experience. His prior work includes roles 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, offering investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a Managed Account program and a now-closed digital advisory platform that utilized ETF portfolios based on proprietary algorithms and client risk assessments.

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 Series 63 and Series 65 licenses. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs, brokerage, and insurance services. Its advisory offerings have included a digital advisory program and a Managed Account program, while the firm also operates as a broker-dealer and insurance agency.

Alan Testa is a Series 66 licensed financial advisor with 20 years of industry experience. He has been with Commonwealth Financial Network and Bank Rhode Island since 2009. In addition to his advisory role, he is involved in fixed insurance sales under the DBA Bari Investment Services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of clients. The firm provides a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, and custody/clearing services.

George Young is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding Series 65 and Series 63 licenses with 11 years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. Citizens Securities serves a diverse 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 and discretionary management, as well as a Managed Account program.

Christopher Smith is a CFP® professional affiliated with Citizens Securities, Inc., with seven years of industry experience. His work history includes multiple roles at Citizens Securities and Fidelity Investments. 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 operates both discretionary and non-discretionary programs, including a digital advisory platform, and is wholly owned by Citizens Bank, N.A.

Pye Moiiz is a financial advisor at Citizens Securities, Inc. with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citizens Securities since 1997. Outside of his advisory role, he owns and manages a multi-family residential property. 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’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Elizabeth Hegarty is a financial advisor at Citizens Securities, Inc. in Providence, RI, with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at JPMorgan Chase Bank, Merrill, and Santander Securities LLC. 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 operates both a digital advisory platform and managed account programs, and is wholly owned by Citizens Bank, N.A.

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 with Citizens Securities, Inc. He holds a Series 66 designation and has seven years of industry experience. Prior to his current role, he worked at Commonwealth Financial Network for eight years and First Marblehead for one year. Citizens Securities serves individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides both a digital advisory platform using ETF-based portfolios and a Managed Account program, operating as a broker-dealer and insurance agency.

Eric Foley is a CFP® professional with 18 years of industry experience, currently with Citizens Securities, Inc. He previously worked at Santander Securities, LLC and TIAA-CREF. Outside of his advisory work, Foley serves as equipment manager and board member for the Canton Little League in Massachusetts. Citizens Securities serves a broad retail client base, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory solutions include a digital advisory program and managed accounts, supporting both discretionary and non-discretionary investment approaches.

Robert Lonardo is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Cco Investment Services Corp. since 2015 and is also involved with Downeast Cider House outside of his advisory role. 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 managed with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Michael Collins is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 credential and previously worked at Equitable Advisors, LLC, MML Investors Services, LLC, MassMutual Life Insurance Co, and FedEx Corporation. Prior to his advisory career, he was self-employed as a day trader for five years. 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 and a Managed Account program, operating within a larger enterprise owned by Citizens Bank, N.A.

Nicholas Sousa is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and 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, offering investment advisory programs, brokerage, and insurance services. The firm provides both digital and managed account advisory programs and operates as a broker-dealer and insurance agency.

Joshua Davis is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Citizens Securities, Inc. since 2008. He holds the 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 investment advisory programs as well as brokerage and insurance services. The firm’s advisory offerings include a digital advisory program managed in partnership with SigFig and a Managed Account program, alongside its broker-dealer and insurance agency operations.

Rosemary Miller is a Series 66-licensed financial advisor at Citizens Securities, Inc. in Johnston, Rhode Island, with 24 years of industry experience. She has served as Chief Compliance Officer at CCO Investment Services since 2013. 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 a managed account program, and is wholly owned by Citizens Bank, N.A.

Carol Jackson is a financial advisor at Citizens Securities, Inc. with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Citizens Securities 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 operates both a digital advisory program and a Managed Account program, and is wholly owned by Citizens Bank, N.A.

John Mcmahon Jr. is a financial advisor at Voya Financial Advisors, Inc. with 43 years of industry experience. He holds Series 63 and Series 65 designations and has been with Voya since 2014. In addition to his advisory role, he acts as an independent insurance agent specializing in fixed insurance products. Voya Financial Advisors serves a diverse client base, including individuals, retirement plan sponsors, charitable organizations, and corporations. The firm offers financial planning, portfolio management, and consulting services through various program structures, emphasizing non-discretionary, recommendation-based advisory relationships.

Max Borgus is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation with six years of industry experience. His prior roles include positions at Bank of America, Merrill, and NESCOR, among others. He also served nine years in the U.S. Army. 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 uses a digital advisory program with ETF-based portfolios, as well as commission-based brokerage and other non-discretionary activities.