Christopher Smith is a CFP® professional with seven years of experience in the financial services industry. He is currently with Citizens Securities, Inc., and has previous experience at Fidelity Investments, Merrill Edge, and Citizens Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm provides both advisory and brokerage services, including a digital advisory program and Managed Account offerings.

Pye Moiiz is a financial advisor at Citizens Securities, Inc. with 29 years of industry experience. He holds Series 63 and Series 65 registrations and has been with Citizens Securities since 1997. Outside of his advisory role, he owns and manages a multi-family property in Dorchester, Massachusetts. Citizens Securities serves a wide range of retail clients, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm operates a digital advisory platform based on ETF portfolios and proprietary algorithms, as well as commission-based brokerage services.

Jedediah Koenigsberg is a financial advisor at TIAA-CREF with Series 63 and Series 65 credentials and four years of industry experience. He has worked at TIAA since 2019 and previously spent twelve years at MFS Investment Management. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm operates a vertically integrated advisory model offering both one-time financial planning and ongoing portfolio management through model and customized portfolios.

Timothy Keohan is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds a Series 66 designation and previously worked at Commonwealth Financial Network and First Marblehead. 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 alongside managed accounts and operates as a broker-dealer and insurance agency.

Eric Foley is a CFP® with 18 years of experience in the financial services industry. He is currently with Citizens Securities, Inc., having joined the firm in 2026. His prior roles include positions at Santander Securities, LLC and TIAA-CREF. Outside of his advisory work, Foley serves as an equipment manager and board member for the Canton Little League in Massachusetts. 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, and it operates as a broker-dealer and insurance agency.

Robert Lonardo is a financial advisor with Citizens Securities, Inc. and holds Series 63 and Series 65 licenses. He has 19 years of industry experience, including roles at Merrill, Fidelity, and Banc of America Investment Services. In addition to his advisory career, he has been involved with Downeast Cider House since 2015. 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’s advisory offerings include a digital advisory program and a Managed Account program, operating as part of Citizens Bank with proprietary banking and brokerage capabilities.

Michael Taylor is a Series 65-licensed financial advisor with Integrated Wealth Concepts LLC and has three years of industry experience. He also has over a decade of experience with Taylor & Company, PC. Outside of advising, Taylor is the owner of Frosh Properties LLC, a non-investment-related rental property business. Integrated Wealth Concepts serves individuals, families, trusts, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios with a primarily long-term approach and utilizing both internal management and third-party asset managers.

Michael Collins is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and has prior work experience with firms including Equitable Advisors, LLC, MML Investors Services, LLC, and MassMutual Life Insurance Co. Before entering the industry, Collins was a self-employed day trader and worked at FedEx Corporation. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers a variety of investment advisory programs alongside brokerage and insurance services, including a digital advisory platform and a Managed Account program.

Martin Bodner is a financial advisor with Integrated Wealth Concepts LLC in Lincoln, Rhode Island, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. His career includes over three decades at Coburn & Meredith, Inc. before joining Integrated Wealth Concepts and LPL Financial in 2021. 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, emphasizing customized portfolios and a long-term investment approach combined with operational practices including AI guidelines and cryptocurrency advisory frameworks.

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.

Kristen Vine is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 66 licenses. She has 13 years of industry experience and also operates Vine Financial, LLC, through which she sells New York Life products and brokers non-registered insurance products. Kristen has been active with New York Life and its affiliated entities since 2011. Eagle Strategies serves a diverse client base including individuals and institutions, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a substantial portion of assets on a non-discretionary basis within an integrated New York Life affiliate structure.

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.

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 at Voya Financial Advisors, Inc. with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Voya since 2014, previously working at Voya Financial Partners, LLC for 11 years. In addition to his advisory role, he operates as an independent insurance agent specializing in the sale of fixed insurance products. Voya Financial Advisors, Inc. serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, unified managed accounts, and retirement advisory services, utilizing a combination of in-house and third-party strategies with technology-enabled tools to support client investment decisions.

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 with Bankers Life Advisory Services, Inc. He holds Series 66 and Series 63 licenses and has 13 years of industry experience. Beaupre has worked with Bankers Life and its affiliates since 2012, serving in advisory and insurance roles. He is also a Unit Field Trainer for Bankers Life & Casualty, Inc., where he recruits and trains insurance agents. 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 consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored investment strategies 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.

Steven Kuk is a financial advisor at Citizens Securities, Inc. in N. Smithfield, RI, holding Series 65 and Series 63 licenses with 24 years of industry experience. He has been with Citizens Securities in various roles since 2016. Outside of finance, Kuk is involved in coaching soccer, serving as a private goalkeeper coach, a head soccer coach at Burrillville High School, and a goalkeeper coach for local soccer organizations. 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 platform and managed accounts, operating as a broker-dealer and insurance agency under full ownership by Citizens Bank, N.A.

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.