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.

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, currently serving at Citizens Securities, Inc. since 1997. His career has been consistently tied to Citizens Bank Mass during the same period. Citizens Securities, Inc. serves a broad 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 both a broker-dealer and insurance agency.

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 and holds the Series 66 designation. His work history includes roles at Merrill, Bank of America, and The Prudential Insurance Company of America. Outside of his advisory work, he serves as a board member for Restoration Community Church and HOPE International-Haiti, and he is involved as a bookkeeper for a refugee relief program. 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 a digital advisory program utilizing proprietary algorithms alongside other commission-based brokerage activities, and it is wholly owned by Citizens Bank, N.A.

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. He holds the Series 63, Series 65, and Series 66 registrations. His prior experience includes roles at Prudential Annuities Distributors, Prudential Insurance Company of America, Transamerica Capital Inc., GWFS Equities, LPL Financial, and National Planning Corporation. 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 and managed account services while operating 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.