Ryan Banks is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include positions at Citizens Bank, CCO Investment Services, and New Home Network. Outside of finance, he serves as a security usher at the Wilbur Theatre. 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 both a digital advisory platform and managed account programs, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

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.

Alec Derderian is a financial advisor at Brookstone Capital Management LLC with five years of industry experience. He holds a Series 65 designation and has previously worked at Megastar Advisors and Citizens Securities, Inc. In addition to his advisory role, he is involved in insurance sales through Megastar Advisors. Brookstone Capital Management is an SEC-registered adviser offering fee-based asset management and financial planning to a diverse client base, including individuals, retirement plans, corporations, and sovereign wealth funds. The firm provides investment management primarily through discretionary model portfolios, unified managed accounts, and separately managed accounts, and supports a large advisor network with a turnkey asset management platform and wrap-fee program.

David Vanech is a financial advisor at Oppenheimer with 19 years of industry experience and holds a Series 66 designation. He has been with Oppenheimer & Co since 2010. Outside of his advisory role, he serves on the board of Branch LLC, a strategic advisory firm specializing in brand marketing and cultural leadership strategies. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services utilizing strategic and tactical asset allocation, manager selection, mutual funds, ETFs, and fixed-income and equity strategies.

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.

Christine Testoni is a financial advisor with Citizens Securities, Inc. in Cranston, RI, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has been with Citizens Securities and Citizens Bank in various roles since 2018. Outside of her advisory work, she is involved in event service as a bridal attendant and server for Russell Morins Catering. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides both a digital advisory platform, managed in partnership with SigFig, and a Managed Account program, while operating 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 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 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. with 11 years of industry experience. He holds Series 65 and Series 63 registrations and has previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. 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 operates both a digital advisory program and a Managed Account program, providing ETF-based portfolios through proprietary algorithms and discretionary management options.

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.

Maxwell Khalfayan is a CFP® professional with one year of industry experience, currently with Savant Wealth Management. His prior experience includes roles at Corrigan Financial, Inc. and Ernst & Young. Savant Wealth Management serves individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with comprehensive wealth management, financial planning, retirement plan consulting, and family office services. The firm employs a blend of evidence-based, model-driven asset allocation and actively managed strategies, supported by affiliated accounting, legal, and trust services.

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.

Elizabeth Hegarty is a financial advisor at Citizens Securities, Inc. with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Citizens Securities, JPMorgan Chase Bank, Merrill, and Santander Securities. Outside of her advisory role, she is a notary public. 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 a digital advisory program and a Managed Account program, while operating 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 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.