Stephen Volpe is a financial advisor with OSAIC Institutions, INC. holding Series 63 and Series 65 licenses and 33 years of industry experience. His prior roles include positions at Infinex Investments, Royal Alliance, CUNA Mutual Group, Santander Securities LLC, and Sovereign Bank. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans by providing a range of advisory and brokerage services through customized engagements, financial planning, ERISA plan services, and access to alternative investments via the CAIS platform. The firm employs a mix of fundamental and technical analysis and offers both discretionary and predominantly non-discretionary asset management.

Matthew Wilcox is a financial advisor at Citizens Securities, Inc. in Johnston, RI, with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Citizens Securities since 2018, with prior experience at Santander Securities from 2012 to 2018. Citizens Securities serves individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm employs a digital advisory program using proprietary algorithms and also operates as a broker-dealer and insurance agency.

Thomas Day is a financial advisor with Janney Montgomery Scott who holds Series 63 and Series 65 licenses and has 38 years of industry experience. He has been with Janney Montgomery Scott since 2005. Janney Montgomery Scott LLC is a dually registered 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 organizations, offering brokerage services, financial planning, and multiple advisory programs.

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.

Jonathan Sears is a financial advisor at Citizens Securities, Inc. with a Series 66 designation and one year of experience at the firm. His prior work includes roles at Aciron Consulting Inc., Bentley University, Tremezzo Ristorante, and Wilmington High School. 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, with its overall activity encompassing both discretionary and non-discretionary business.

Joshua Giuliano is a CFP® professional with 21 years of industry experience, currently serving at Citizens Securities, Inc. since 2009. He is based in Johnston, RI. Outside of his advisory role, Giuliano mentors and coaches students through the PrepareRI Innovation Challenge. Citizens Securities serves a diverse 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 with ETF-based portfolios managed via proprietary algorithms, as well as a Managed Account program.

Darrell Smith is a CFP® and Series 66-registered advisor with Citizens Securities, Inc., where he has worked since 2008. He has 23 years of industry experience. Outside of his advisory role, 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 both investment advisory programs and brokerage and insurance services. The firm operates as a broker-dealer and insurance agency and provides advisory offerings such as a digital advisory program and a Managed Account program.

Patrick Sier is a CFP® with 24 years of industry experience. He is currently with Independent Financial Partners and was previously with SCF Investment Advisors, Inc. and SCF Securities, Inc. for ten years. Outside of his advisory role, he owns an investment management DBA called Advisory Services of New England. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm offers a decentralized advisory model with options for centralized asset management and is noted for its formal retirement-plan advisory and pension consulting capabilities.

Emma Mc Naul is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. She holds Series 63 and Series 65 licenses and has held positions at Citizens Securities and Citizens Bank since 2018, as well as prior roles at Kota Solutions and Bank of America. Outside of her advisory work, she is a Notary Public. 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 both digital and managed account advisory options 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 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Smith Barney and Morgan Stanley & Co., Incorporated. Outside of finance, he owns Gather, LLC, which focuses on farming and art education. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office support including operations, trading, technology, and compliance. The firm offers advisors discretion over client portfolios and manages model portfolios through its Investment Management and Research team.

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 Series 63 and Series 65 licenses and has worked exclusively at Citizens Securities since 2016. 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 separate Managed Account program, while also operating as a broker-dealer and insurance agency.

Angel Reyes is a financial advisor with Citizens Securities, Inc. in Johnston, RI. He holds the Series 66 designation and has one year of industry experience. Prior to joining Citizens Securities, Reyes worked at Bank of America for two years and held roles in other sectors including parking solutions and retail. He serves as the Director of Student Affairs for ALPFA Boston, coordinating professional development opportunities for student chapters across the Northeast region. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory, brokerage, and insurance services. The firm provides both discretionary managed accounts and a digital advisory program that uses proprietary algorithms to recommend ETF-based portfolios.

Meghan Forrester is a financial advisor with Citizens Securities, Inc. in East Providence, RI, holding Series 63 and Series 65 licenses and nine years of industry experience. Her prior work includes roles at Raymond James Financial Services, Boston Harbor Wealth Advisors, and Santander Securities. 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 features a digital advisory program with ETF-based portfolios 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.

Timothy Igo is a financial advisor at Citizens Securities, Inc. with Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual Life Insurance Co, Jillson Company, Inc., KGI Consultants, Mahoney Publishing, and Blue Ribbon Barbecue. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm provides a digital advisory program that uses proprietary algorithms to recommend ETF-based portfolios, alongside managed accounts and commission-based brokerage services.

Erin Alves is a financial advisor with TIAA-CREF in Providence, RI, holding Series 63 and Series 65 licenses and having 13 years of industry experience. Her career includes positions at Morgan Stanley, Oppenheimer & Co. Inc, and multiple tenures at TIAA-CREF and its affiliated entities. Outside of her advisory work, she works as a server at a full-service pub. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered retirement plans, as well as to trusts, estates, and small retirement plans. The firm offers both point-in-time planning and ongoing portfolio management through various model and customized strategies within a vertically integrated structure.

Rui Pacheco is a financial advisor at Citizens Securities, Inc. with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citizens Securities since 2014. 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’s advisory offerings include a digital advisory program and a Managed Account program, and it operates as a broker-dealer and insurance agency.

Victor Contente is a financial advisor with TD Private Client Wealth LLC in Providence, RI, holding a Series 66 designation and 14 years of industry experience. His professional background includes roles at TD Bank N.A., Charles Schwab Bank SSB, Charles Schwab, and TD Ameritrade. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail customers, utilizing a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.