Cindy Ryan is a financial advisor at TIAA-CREF with 16 years of industry experience. She holds a Series 66 credential and has previously worked at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, MSI Financial Services, and Metlife Securities. Ryan serves as a Board of Director for the Greenville Terrace Subdivision Homeowners Association in Rhode Island, where she participates in meeting recordkeeping and communications. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with TIAA-administered retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, with features including customized portfolios, fiduciary standards, and advisory services for a donor-advised fund.

Riley Flanagan is a financial advisor at Citizens Securities, Inc. with six years of industry experience. He holds the Series 66 designation and has worked at Citizens Securities since 2019, previously employed at Northwestern Mutual Investment Services LLC and Numeric Investors. Citizens Securities serves a wide 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 and a Managed Account program, operating also as a broker-dealer and insurance agency.

Sean Schooley is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds a Series 66 designation and has worked previously at Allstate Insurance Co. and Prudential Insurance Company of America. Outside of financial services, he is involved in AB Computer Hardware, a business he has operated since 2019. 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 operates a digital advisory program alongside managed accounts, though it also conducts commission-based brokerage and other non-discretionary activities.

Scott Miller is a financial advisor at AE Wealth Management, LLC with nine years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc, Ascent Advisors, Centerville Bank, and Massey & Associates, Inc prior to joining AE Wealth Management. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base that includes individual households, corporations, trusts, and ERISA plan sponsors. The firm employs discretionary model portfolios and supports third-party RIAs through sub-advisory and model-licensing arrangements, managing approximately $49.8 billion for over 127,000 clients.

Darvin Acosta Filpo is a financial advisor at Eagle Strategies (NY Life) with four years of industry experience. He holds Series 65 and Series 63 licenses and has previous work experience with NYLIFE Securities LLC and New York Life Insurance Company. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with a significant portion of its assets managed on a non-discretionary basis.

Alexas Cabral is a financial advisor with Citizens Securities, Inc. and holds Series 63 and Series 65 licenses. They have seven years of industry experience working in various roles, including multiple periods at Citizens Securities and prior positions at AE Wealth Management and Massey and Associates. Outside of advising, Alexas serves as a Notary Public and participates in consumer research by taking surveys. Citizens Securities, Inc. 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 featuring ETF-based portfolios managed through proprietary algorithms and a client risk-tolerance questionnaire.

Matthew White is a financial advisor at Citizens Securities, Inc. in Johnston, RI, with six years of industry experience. He holds a Series 66 designation and previously worked for Bank of America N.A. and Merrill from 2008 to 2020. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, 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, and it operates as a broker-dealer and insurance agency.

Marja Sweet is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. She has worked at both Commonwealth Financial Network and Oak Leaf Wealth Management Services since 2014. Outside of her advisory role, she has been employed by Lululemon Athletica since 2012. 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.

Taylor Morrison is a CFP®-credentialed financial advisor with 20 years of industry experience. He currently works at Citizens Securities, Inc., having held prior positions at Foreside Fund Services, Wellesley Asset Management, Boston Financial Management, and BP Wealth Management. Morrison is involved with the Massachusetts Youth Soccer Association Inc. Citizens Securities serves a broad retail client base, 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 wholly owned by Citizens Bank, N.A.

Patrick Dunk is a Certified Financial Planner® with eight years of industry experience. He is currently with Citizens Securities, Inc., where he has worked since 2021. His prior roles include positions at Shepherd Financial Partners, LPL Financial, Merrill, and Northwestern Mutual. Dunk has held a role with the Chilmark Community Center and worked at Hobart and William Smith Colleges earlier in his career. 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 it operates both discretionary managed accounts and a digital advisory program that uses proprietary algorithms for ETF-based portfolios.

Eric Mauricio is a financial advisor at Commonwealth Financial Network with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, and BankNewport prior to his current role. He also has experience at Advanced Financial Group and Bryant University. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, third-party asset manager access, and custody services.

Jonathan Sweet is a CFP® professional with 42 years of industry experience, affiliated with Commonwealth Financial Network since 1998. He holds the Series 63 designation and operates out of Rehoboth, MA. Outside of his advisory role, he is involved in tax preparation services through Oak Leaf Management Services, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody/clearing services.

Colin Murray is a CFP® professional with 17 years of industry experience, currently serving at GWN Securities Inc. since 2019. His prior experience includes roles at Nationwide Financial, Santander Securities LLC, and CCO Investment Services Corp. He is also an employee-owner of Agency Financial Partners LLC, where he develops strategic partnerships related to fixed insurance and annuity sales. GWN Securities Inc. is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers. The firm offers a range of managed-account programs and model portfolios, including SMA, UMA, and fund-strategist options, with a notable legacy of market-timing and momentum-based strategies.

Rachel Mancini is a financial advisor at Citizens Securities, Inc. with 12 years of industry experience. She holds the Series 66 designation and has worked at Merrill and Citizens Securities since 2014. Mancini is also involved in managing a rental property outside of her advisory work. 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’s advisory offerings include a digital program managed with SigFig and a Managed Account program, operating alongside its broker-dealer and insurance activities.

Ralph Salvatore is a CFP® and holds a Series 65 license with 17 years of industry experience. He has worked at Savant Wealth Management since 2025 and previously spent 18 years at Corrigan Financial, Inc. 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, and family office services. The firm employs an investment approach that combines evidence-based, model-driven asset allocation with actively managed strategies overseen by an investment committee.

Sasha Cesen is a financial advisor at TIAA-CREF with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at NYLIFE Securities LLC and Mass Mutual Life Insurance Company. Outside of his advisory work, he is involved in residential rental property management. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed accounts to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing portfolio management, with a fiduciary standard applied to its RIA services.

Jerome Wiener is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds the Series 66 designation and has previously worked at Meritage Financial Strategies, Commonwealth Financial Network, Bank of America, Merrill, and Northwestern Mutual. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering both advisory and brokerage services. The firm utilizes a combination of digital advisory programs and traditional managed accounts, operating as a broker-dealer and insurance agency affiliated with Citizens Bank, N.A.

Kenneth Richardson Jr. is a financial advisor with Integrated Wealth Concepts LLC, holding a Series 66 credential and bringing 14 years of industry experience. He has worked at Integrated Wealth Concepts and LPL Financial since 2016 and previously spent seven years with Lincoln Financial Advisors Corp. In addition to his advisory work, he is president of The Journey to Hope, Health, & Healing, a separate business activity. 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, employing customized portfolios that include mutual funds, ETFs, equities, and fixed income, and emphasizes a long-term investment approach with flexibility for rebalancing and cash management.

Brian Mc Donald is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63, Series 65, and Series 66 licenses. He has seven years of industry experience, including prior roles at Lincoln Financial Securities and in public school departments. Outside of his advisory work, he is involved with Heritage Restaurant Group as a bartender and server for banquet events. 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’s advisory offerings include a digital program managed with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Brian Wilber is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63 and Series 65 licenses and having 10 years of industry experience. His prior roles include positions at Raymond James Financial Advisors, Columbia Management Investment Advisers, and Gfi Securities. Outside of his advisory work, he coaches and mentors student athletes as a varsity lacrosse coach at Portsmouth High School. 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 managed account services, and is wholly owned by Citizens Bank, N.A.