Fredrick Buker is a financial advisor with Empower Advisory Group, holding Series 66 and Series 63 licenses and four years of industry experience. His prior experience includes roles at Fidelity Investments, Arbella Insurance, and The Kraft Group. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Theodore Schaaf is a financial advisor at Citizens Securities, Inc. with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Citizens Securities since 2017, following a four-year tenure at UBS Financial Services. 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 managed with proprietary algorithms and a Managed Account program, alongside commission-based brokerage and non-discretionary services.

Lauren Hartigan is a financial advisor at Citizens Securities, Inc. with six years of industry experience. She holds Series 63 and Series 65 licenses and has worked primarily with Citizens Securities and Citizens Bank since 2016, including a brief tenure at Raymond James & Associates. 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’s advisory offerings include a digital advisory program and a Managed Account program, operating alongside its broker-dealer and insurance agency functions.

Sean Obrien is a financial advisor at Citizens Securities, Inc. with 37 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior experience includes roles at LPL Financial, Webster Bank, Horace Mann Companies, Mass Mutual Investors Services, and MetLife Securities. 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, while also operating as a broker-dealer and insurance agency.

Peter Mureddu is a financial advisor at TIAA-CREF with 33 years of industry experience. He holds the Series 63 and Series 65 credentials and has been with TIAA-CREF since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm also advises the TIAA Donor Advised Fund and operates within a vertically integrated structure utilizing affiliated funds.

Michael O'Leary is a financial advisor with OSAIC Institutions, Inc. He holds the Series 63 and Series 65 designations and has 22 years of industry experience. His prior work includes roles at Infinex Investments, Inc., BayCoast Bank, Oppenheimer, and Roosevelt & Cross, Incorporated. He also serves as a Business Development Officer at BayCoast Bank. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a distinctive service and distribution model.

David Juszkiewicz is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has been with Bankers Life Advisory Services since 2021 and has worked with affiliated entities since 2009. Outside of advising, he is an insurance agent offering Medicare Supplement, long-term care, life insurance, and annuity products. Bankers Life Advisory Services provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and integrated use of fundamental and technical analysis.

Eric Belsky is a financial advisor at Citizens Securities, Inc. with 20 years of industry experience. He holds a Series 66 designation and has been with Citizens Securities since 2013. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers 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 both a broker-dealer and insurance agency.

Darrien Slaughter is a financial advisor with Guardian Life and Park Avenue Securities in Riverside, RI, holding Series 63 and Series 66 licenses and having 12 years of industry experience. His prior experience includes eight years at Mass Mutual Investors Services and roles within Massachusetts Mutual Life Insurance Company. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, serves individual, pension, charitable, and corporate clients through brokerage services, financial planning, retirement consulting, and a combination of proprietary and third-party advisory programs. The firm offers discretionary and non-discretionary advisory relationships using model portfolios and a hybrid digital advisory solution called VestWise™.

Scott Andrews is a Series 66-licensed financial advisor at VOYA Financial Advisors, Inc. with 13 years of industry experience. He has been with VOYA since 2014. Outside of his advisory role, Andrews serves as Vice President of South County Habitat for Humanity, where he supports the executive board and chairs the nominating committee. VOYA Financial Advisors, Inc. serves a diverse client base including individuals, retirement plan sponsors, charitable organizations, and corporations. The firm offers a variety of investment services such as financial planning, portfolio management, wrap programs, and third-party money manager access.

Charles Gilbert Sr. is a financial advisor at Citizens Securities, Inc. with 28 years of industry experience. He has worked at Citizens Securities since 2017 and previously held positions at Bank of America, N.A. and Merrill. He holds Series 63 and Series 65 designations. Citizens Securities serves a wide 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 platform focused on ETF-based portfolios and a Managed Account program, while also functioning as a broker-dealer and insurance agency.

Salvatore Tocco IV is a financial advisor at Janney Montgomery Scott with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Janney Montgomery Scott since 2012. Janney Montgomery Scott LLC is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage, financial planning, consulting, and advisory services through multiple wrap programs and portfolio management solutions.

Steven Humm is a CFA® charterholder with one year of experience at TIAA-CREF and four years at TIAA, following six years at Bank of America. He is based in Providence, RI. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm separates point-in-time planning services from ongoing discretionary management and serves as adviser to the TIAA Donor Advised Fund.

Jason Dodd is a financial advisor at Oppenheimer with 20 years of industry experience. He has been with Oppenheimer & Co since 2010 and holds Series 65 and Series 66 licenses. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans by offering advisory programs including portfolio management, consulting, retirement services, and financial planning. The firm’s investment approach varies across programs and advisors, employing strategic and tactical asset allocation, manager selection, and rebalancing, with a notable emphasis on non-discretionary client relationships.

Robert Pinelli is a financial advisor at Citizens Securities, Inc. with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Merrill and Bank Rhode Island. He is also a Notary Public. 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 provides both digital and managed account advisory options and operates as a broker-dealer and insurance agency.

Stephen Wilson is a financial advisor at Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has been with Citizens Securities since 2013. 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.

Jonathan Habib is a financial advisor at Citizens Securities, Inc. with 26 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked previously at Santander Securities, LLC and Commonwealth Financial Network. Citizens Securities serves individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm provides digital advisory portfolios managed with proprietary algorithms alongside traditional managed account services.

Bryce Witner is a financial advisor at Citizens Securities, Inc. with 13 years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill from 2013 to 2025. Witner is involved in his community as a committee member and den leader for the Arnold Mills Scouts. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers investment advisory programs alongside brokerage and insurance services. The firm operates both a Managed Account program and a digital advisory platform that utilizes ETF-based portfolios and proprietary algorithms.

Luis Obando is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 designations and possessing 12 years of industry experience. His prior work includes eight years at Mass Mutual Investors Services and nine years with Massachusetts Mutual Life Insurance Company. Outside of his advisory role, he is the owner of L G Financial, Inc., a business unrelated to investment services. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, including model portfolio management and a hybrid digital advisory solution.

Marc Kurzberg is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and previously worked at Bank of America, Merrill, KeyBank, and New York Life Insurance/American Income Life. Outside of advising, he serves as a varsity wrestling coach for Braintree Public Schools. 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 focused on ETF portfolios and manages both discretionary and non-discretionary accounts.