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.

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.

John Mcmahon Jr. is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with VOYA Financial Advisors since 2014. In addition to his advisory role, he operates as an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors serves individual and institutional clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides financial planning, portfolio management, wrap programs, third-party money manager access, and plan-sponsor consulting, with a focus on non-discretionary recommendation-based relationships.

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.

Jonathan Beaupre is a financial advisor at Bankers Life Advisory Services, Inc. with 13 years of industry experience. He holds Series 66 and Series 63 registrations and has worked with Bankers Life and its affiliates since 2012 in various capacities, including insurance agent and unit field trainer. Outside of his advisory role, he recruits and trains insurance agents focusing on Medicare, life insurance, long-term care insurance, and annuities. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals, providing discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and manage portfolios aligned with clients’ goals and risk tolerances.

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.

Kari Rai is a financial advisor with Eagle Strategies (NY Life) holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining Eagle Strategies, Rai worked at NYLIFE Securities LLC and New York Life Insurance Company. Rai is a silent partner in LCCI Global Qualifications Pvt Ltd, a training and certification organization focused on the Nepalese economy. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm emphasizes tailored recommendations and predominantly manages assets on a non-discretionary basis, working extensively with defined contribution and benefit plans as well as charitable and corporate clients.

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.

Sarah Vanderveer Lui is a financial advisor with Savant Wealth Management in Middletown, RI. She holds a Series 65 designation and has 15 years of industry experience, including 21 years at Corrigan Financial, Inc. prior to joining Savant Wealth Management in 2025. 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 retirement plan consulting. The firm combines evidence-based, model-driven asset allocation with actively managed investment strategies and offers integrated accounting, legal, and trust services through affiliated entities.

Koby Gartner is a financial advisor with Guardian Life and holds a Series 66 designation. He has three years of industry experience, including roles at Guardian Life Insurance Company, Park Avenue Securities, and OSAIC. Outside of his advisory work, he is a 20% owner and film producer at Up-Hill Productions, LLC. Guardian Life’s subsidiary, Park Avenue Wealth Management, serves individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, and investment advisory services, offering both discretionary and non-discretionary advisory solutions.

Obed Daphnis is a financial advisor at Citizens Securities, Inc. with five years of industry experience. He holds the Series 66 designation and has worked previously at firms including Merrill, Bank of America, and Prudential. Outside of his advisory role, Daphnis serves on the board of Restoration Community Church, is involved with HOPE International in Haiti, and works as a bookkeeper for a refugee relief program. 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 utilizes both digital and managed account advisory solutions and operates as a broker-dealer and insurance agency.

Marsha Donovan is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott and its affiliated entities since 2009. Janney Montgomery Scott LLC is a large 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 charitable and municipal organizations, offering a range of brokerage, financial planning, and advisory services.

Lawrence Flynn is a financial advisor at Oppenheimer with 36 years of industry experience. He has been with Oppenheimer since 2007 and holds Series 63 and Series 65 licenses. Outside of his advisory role, Flynn serves on the Board of Directors for Day One, a charitable organization supporting abused children, and participates on the investment committee for the Providence Public Library. Oppenheimer serves a diverse client base, including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and retirement planning. The firm employs a variety of investment strategies and acts as a qualified custodian for client assets.

Lee Hurney is a financial advisor at Citizens Securities, Inc. with 28 years of industry experience. His career includes roles at Prudential Annuities Distributors, Prudential Insurance Company of America, Transamerica Capital Inc, and LPL Financial. He holds Series 63, 65, and 66 credentials. 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 operates both a digital advisory platform with ETF-based portfolios and a Managed Account program, while also functioning as a broker-dealer and insurance agency.

Richard O'Brien is a financial advisor with TIAA-CREF, holding a Series 66 designation and 25 years of industry experience. He has worked at TIAA and TIAA-CREF since 2010. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm’s advisory model separates point-in-time planning from ongoing discretionary management and includes services such as donor-advised funds and customized portfolio management.

Michael Cortazzo is a financial advisor at TLG Advisors, Inc. with 12 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company. He is currently affiliated with SPG Life & Annuity and Simplicity Investments. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm focuses on manager selection and monitoring, utilizing fundamental analysis and Modern Portfolio Theory to build diversified portfolios, and offers both traditional advisory services and a direct-to-consumer digital program called Starlight Portfolios.

Bryan Pickell is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. Prior to joining Janney, he worked for six years at Providence Investment Management. He serves on the board of the 100 Club of Rhode Island, a charity supporting first responders, and is president of the Providence Jewelry Museum, a nonprofit focused on the history of jewelry manufacturing in Rhode Island. 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 and offers a range of brokerage, financial planning, and advisory services, utilizing both in-house portfolio management and third-party managers across multiple programs.

Christopher Medeiros is a financial advisor with Integrated Wealth Concepts LLC, holding a Series 66 designation and four years of industry experience. Prior to joining Integrated Wealth Concepts and LPL Financial in 2026, he worked at Ameriprise Financial Services, OneAmerica Securities, and American United Life. Before his financial services career, he spent ten years with the Massachusetts Department of Corrections. Integrated Wealth Concepts LLC 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 with a long-term investment approach alongside shorter-term adjustments for rebalancing and cash needs.