Puneet Singh is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., Bank of America, N.A., and Merrill Lynch, Pierce, Fenner & Smith Inc. 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 both a digital advisory program utilizing proprietary algorithms and a Managed Account program, and operates as a broker-dealer and insurance agency.

Timothy Demeritt is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Integrated Wealth Concepts LLC since 2016. His prior experience includes work with Osaic FA, Inc. from 2008 to 2016. He is based in Franklin, MA. 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 a long-term investment approach combined with targeted shorter-term trading and oversight of third-party asset managers.

Jeffrey Little is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes roles at LPL Enterprise, Citizens Securities, Quick & Reilly, and Morgan Stanley. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithmic risk assessment and implements investments via approved model strategies with annual rebalancing.

John Gulino II is a CFA® charterholder with extensive industry experience, currently serving at TIAA-CREF. He has worked at TIAA since 2021 and was previously employed by State Street Global Advisors for 13 years. Outside of his advisory role, he serves as Treasurer for Sal's Pals Tackle Cancer Tournament, a nonprofit organization dedicated to raising funds for cancer research. TIAA‑CREF Individual & Institutional Services offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm separates its point-in-time planning from ongoing portfolio management and acts as adviser to donor-advised funds within a vertically integrated group structure.

Matthew Wilcox is a financial advisor at Citizens Securities, Inc. with 24 years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes roles at Santander Securities, LLC and Northwestern Mutual Investment Management. 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 as both a broker-dealer and insurance agency.

Amanda Adams is a CFP® with eight years of industry experience, currently serving at Concurrent Investment Advisors, LLC. She previously worked at Edward Jones for eight years and has a background that includes experience with The Sun Chronicle. Concurrent Investment Advisors, LLC is a multi-team, SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other securities, supported by a network of approximately 286 advisors serving over 13,000 clients.

Kenneth Koch is a Financial Advisor at Merrill Lynch Wealth Management, bringing over 12 years of experience in the wealth management industry. He works closely with clients to identify what is important in their financial lives and assists them in achieving their financial goals through detailed planning. His services cover a broad range of areas including corporate benefits, education planning, executive compensation, liquidity management, managing new wealth, retirement planning, portfolio management, small business strategies, and tax minimization. Ken holds a Bachelor's Degree from Bridgewater State College where he also participated as a four-year letterman on the football team. He holds professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). These credentials support his expertise in providing clients with confidence and stability throughout their financial journey. Residing in Duxbury, MA, Ken is involved in the local community through participation in Duxbury Youth Soccer. Outside of his professional role, he enjoys spending time with his family and engaging in activities like baseball, cooking, football, golfing, hiking, ice hockey, running, traveling, and yoga.

Barbara Rich is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. She has been with Commonwealth Equity Services, Inc. since 1990. In addition to her advisory role, she provides tax preparation services during business hours. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios and customized investment solutions, while providing operational, trading, technology, compliance, and practice-management support to its affiliated advisors.

Joshua Giuliano is a CFP® professional with 21 years of experience in the financial industry. He has been with Citizens Securities, Inc. since 2009. Outside of his advisory role, he mentors students through the PrepareRI Innovation Challenge. 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 and a Managed Account program.

Paul Santucci is a financial advisor with Commonwealth Financial Network in Lincoln, RI, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has operated Paul Santucci Financial Services since 2007 and has been affiliated with Commonwealth Financial Network since 2006. Outside of his advisory work, he serves as an elected Rhode Island State Representative for District 53. Commonwealth Financial Network is a registered investment adviser serving a national network of nearly 3,000 advisors and their clients. The firm provides a range of advisory programs and back-office support, allowing advisors discretion in portfolio construction alongside model portfolios managed by its Investment Management and Research team.

Emma Mc Naul is a financial advisor with Citizens Securities, Inc. She holds Series 63 and Series 65 licenses and has seven years of industry experience. Her prior work includes roles at Citizens Bank, Kota Solutions, and Bank of America. She also serves as a Notary Public. Citizens Securities, Inc. serves a broad retail client base, including individual and high-net-worth investors, as well as individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory program and a Managed Account program, and operates as a broker-dealer and insurance agency.

Vasileios Izanidis is a financial advisor with Commonwealth Financial Network in Pawtucket, RI, holding a Series 66 designation and seven years of industry experience. His prior experience includes roles at Oak Leaf Wealth Management Services, Pioneer Financial Group, and Securian Financial Services Inc. Outside of advising, he is a partner in Estia, LLC, a company involved in house flipping. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages around $212.7 billion in client assets. The firm provides a broad platform including managed-account programs, access to third-party asset managers, and retirement consulting, serving individual and institutional clients.

Matt Stone is a financial advisor at Commonwealth Financial Network with 26 years of industry experience. He held positions at Morgan Stanley and Morgan Stanley Smith Barney from 2007 to 2024 before joining Gather Wealth Management and Commonwealth Financial Network in 2024. He holds Series 63 and Series 65 registrations. Outside of advising, he is the owner of Gather, LLC, a business focused on farming and art education. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages over $212 billion in client assets. The firm offers a wide array of managed account programs, access to third-party asset managers, and custody services, working with clients to implement portfolios through internally managed models or outsourced platforms.

William Goliger is a financial advisor with Eagle Strategies (NY Life) in Johnston, RI. He holds the Series 63 and Series 65 designations and has one year of industry experience. Prior to his current role, he worked for ten years at Tailored Brands. Eagle Strategies serves a broad mix of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives and plan sponsor criteria.

Philip Desilus is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Citizens Securities since 2016. 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, with advisory options such as a digital advisory program managed in partnership with SigFig and a Managed Account program.

Angel Reyes 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 and VPNE Parking Solutions. Reyes serves as the Director of Student Affairs for ALPFA Boston, coordinating professional development opportunities for student chapters in the Northeast region. 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 operates both a digital advisory platform and managed account programs, and is wholly owned by Citizens Bank, N.A.

Tina Cicci is a financial advisor at CWM, LLC with 14 years of industry experience. She holds the Series 66 designation and has worked at Cetera Wealth Services, Carson Wealth Management, DC Advisors, and LPL Financial. Outside of her advisory role, she serves as head coach for a local youth cheerleading program. CWM, LLC is an SEC-registered investment adviser with an enterprise platform overseeing approximately $50.6 billion across more than 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, supported by an Investment Committee that manages model portfolios and provides tailored investment solutions.

Meghan Forrester is a financial advisor at Citizens Securities, Inc. with nine years of industry experience. She holds Series 63 and Series 65 licenses. Her career includes roles at Citizens Securities, Citizens Bank, Raymond James Financial Services, Boston Harbor Wealth Advisors, and Santander Securities. Citizens Securities serves individual and high-net-worth investors, providing investment advisory programs, brokerage, and insurance services. The firm offers a digital advisory program and a managed account program, operating as both a broker-dealer and insurance agency.

Brian Drohan is a financial advisor with Eagle Strategies (NY Life) in Johnston, RI, holding the ChFC® designation and Series 63 license. He has 10 years of industry experience, including roles at NYLIFE Securities LLC and New York Life Insurance Company. Eagle Strategies serves individual and institutional clients with financial planning, investment management, and retirement-plan advisory services through a large network of advisers. The firm offers multiple program types, including fee-based advice and retirement plan consulting, with a focus on tailoring recommendations to client objectives and plan sponsor criteria.

Samara Wald is a financial advisor at TD Private Client Wealth LLC with one year of industry experience. She holds the Series 66 designation and has worked at several firms including TD Bank N.A., Cetera, and Pioneer Financial Group. Outside of her advisory role, she serves as an independent contractor for a pet care business. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm constructs portfolios using a combination of strategic and tactical asset allocation, employing both affiliated and third-party sub-managers.