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.

Abraham Rosenberg is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and having 10 years of industry experience. Prior to joining Citizens Securities in 2018, he worked at Bank of America and Merrill from 2016 to 2018. 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 both a digital advisory program and a Managed Account program, and operates as a broker-dealer and insurance agency.

Christopher Genao is an investment advisor with Bankers Life Advisory Services, Inc., holding Series 65 and Series 63 licenses and over two years of industry experience. His prior work includes roles at Bankers Life Securities, Inc., Bankers Life & Casualty, Inc., Bunker Hill Market, and Amazon. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan services. The firm integrates fundamental, technical, and cyclical analysis to create tailored portfolios aligned with clients’ goals and risk tolerances.

Megan Ruo is a financial advisor at Citizens Securities, Inc. with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms including Santander Securities, LLC, and Dedham Savings Bank. Outside of her advisory role, she also works as a personal trainer through her coaching and training business. 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’s offerings include a digital advisory program with ETF-based portfolios and a managed account program, operating as a broker-dealer and insurance agency.

David Knott 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 Equity Services, Inc. and National Life Group. Knott also serves as the chief investment officer for the Knott Family Trust, managing a portfolio of stocks and bonds. 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 discretionary and non-discretionary programs, including a digital advisory platform using proprietary algorithms and a bank-owned deposit sweep program.

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 previously worked at Northwestern Mutual Investment Services LLC and Numeric Investors. 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 and managed account services while operating 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 the Series 66 designation and previously worked at Allstate Insurance Co. and Prudential Insurance Company of America. Outside of his advisory role, he has operated AB Computer Hardware since 2019. 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, operating as a broker-dealer and insurance agency under full ownership by Citizens Bank, N.A.

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.

Lawson Mitchell IV is a financial advisor with Citizens Securities, Inc. in Pawtucket, RI, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. His prior roles include positions at Fidelity Investments and Citizens Bank, as well as diverse experience in media and publishing with Cumulus Media, Gannett Co., Inc., and Falmouth Publishing. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors, offering both advisory and brokerage services, with a range of investment programs including a digital advisory platform and managed accounts.

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.

Kevin Mc Rae is a financial advisor with Empower Advisory Group holding Series 66 and Series 63 licenses and 11 years of industry experience. His prior work includes roles at Voya Financial Advisors and Citizens Securities, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and client savings rates in its planning approach and offers managed account solutions alongside point-in-time financial plans.

Alexas Cabral is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms including AE Wealth Management, LLC, and Massey and Associates, Inc. Outside of advisory work, she is a Notary Public and participates in consumer research through survey taking. 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’s advisory offerings include a digital advisory program partnering with SigFig and a Managed Account program.