Terence Tinkham is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He has held positions at Flagship Harbor Advisors, LLC and LPL Financial, LLC prior to joining Citizens Securities in 2019. He serves on the Board of Directors for the Potter League, a nonprofit organization. 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’s advisory services include a digital advisory program using proprietary algorithms and a Managed Account program, and it operates as both a broker-dealer and insurance agency.

Samuel Yawson is a financial advisor at Citizens Securities, Inc. with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Mass Mutual Investors Services, MassMutual, The Prudential Insurance Company of America, and PRUCO Securities. He has been with Citizens Securities since 2019. Citizens Securities serves a wide retail client base, including individuals, high-net-worth investors, and retirement plans, offering advisory programs alongside brokerage and insurance services. The firm provides a digital advisory platform with ETF-based portfolios and a Managed Account program, and operates as both broker-dealer and insurance agency.

Thiago Ribeiro is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds a Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner & Smith, incorporated, among other firms. 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, and it operates as a broker-dealer and insurance agency.

Eric Tunstall is a financial advisor with Citizens Securities, Inc., holding a Series 66 designation and 18 years of industry experience. He has been with Citizens Securities since 2011. 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 offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Michael Fitzwilliam is a financial advisor with Commonwealth Financial Network in Quincy, MA, holding a Series 63 designation and over 41 years of industry experience. He has been with Commonwealth Equity Services, Inc. since 1986. Fitzwilliam also engages in fixed insurance sales as a secondary business activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services including custom and model portfolio solutions, wealth management, and retirement plan consulting. The firm supports its advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

Matthew Murphy is a financial advisor at Oppenheimer with 10 years of industry experience. He holds the Series 66 designation and has been with Oppenheimer since 2013. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations. The firm provides a range of advisory and brokerage services, utilizing strategic and tactical asset allocation, manager selection, and various investment strategies tailored to client objectives.

Emre Oztunc is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. He holds the Series 66 designation and has worked at Citizens Securities since 2014. 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 alongside brokerage and insurance services, with advisory options including a digital program managed in partnership with SigFig and a Managed Account program.

Kevin Guinan is a financial advisor at Integrated Wealth Concepts LLC with one year of industry experience. He has worked at Integrated Wealth Concepts since 2025 and concurrently operates Guinan & Associates, a CPA firm he has been running since 2015. 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, consulting, family office, and retirement plan advisory services, using customized portfolios and a combination of internal management and oversight of third-party asset managers.

Shilah Tate is a financial advisor at Citizens Securities, Inc. with five years of industry experience. She holds a Series 66 designation and previously worked at Santander Bank. In addition to her advisory role, she volunteers as a coach with United Way's Women's Money Matters program. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory approach includes a digital advisory program and managed accounts, supporting both discretionary and commission-based business.

Joseph Mcmahon is a financial advisor with Osaic Institutions, Inc., holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked at Bluestone Bank (formerly Bridgewater Savings Bank) since 2012 and has been associated with Infinex Investments, Inc. since 2002. Outside of his advisory work, he participates annually in a charitable foundation golf committee that raises funds for local charities. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments, operating a hybrid adviser/broker-dealer model with a focus on delegated investment management and extensive third-party relationships.

Matthew Di Sandro is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. 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.

Richard Longueil is a financial advisor at Citizens Securities, Inc. with 26 years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Santander Securities, LLC and Santander Bank, NA. 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 managed in partnership with SigFig and a Managed Account program.

Angelica Andreotti is a financial advisor at Citizens Securities, Inc. with 14 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at firms including Bank of America, Merrill, and E*TRADE Securities. Outside of her advisory work, she creates cat-related content through a sole proprietorship named Meta. Citizens Securities, Inc. serves a broad retail client base, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Ryan Vernon is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab, TD Ameritrade, and Scottrade. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering both investment advisory and brokerage services. The firm provides various advisory programs, including a digital advisory platform and managed accounts, and operates as a broker-dealer and insurance agency.

Samuel Graff is a financial advisor with Brookstone Capital Management LLC, holding a Series 65 designation and one year of industry experience. His prior roles include positions at ProIncome, Rise North Capital, and Foundations Investment Advisors. He has also worked outside finance at Spartan Race Inc and EF Education First. Brookstone Capital Management provides fee-based asset management and financial planning to individuals, retirement plans, corporations, trusts, and other business entities. The firm employs strategic and dynamic asset-allocation models, utilizes a variety of investment vehicles including ETFs and structured notes, and serves as a sub-advisor to other advisory programs.

Richard Bergeron is a CFP® professional with 28 years of industry experience, currently affiliated with Commonwealth Financial Network. He previously held roles at Bank Rhode Island Investment Services, Infinex Investments, Bluestone Bank, and Mansfield Cooperative Bank. Bergeron also engages in fixed insurance sales as a secondary business activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing advisory programs, investment management, and practice-management support. The firm offers a range of program structures and discretionary model portfolios, positioning itself as a comprehensive platform provider for affiliated advisors.

Camilo Betancur is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Santander Securities, LLC, Santander Bank, NA, and Commonwealth Financial Network. Outside of finance, he was involved with Ideal Cleaning for five years. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering both advisory programs and brokerage and insurance services. The firm’s investment approach includes a digital advisory program with ETF-based portfolios and a Managed Account program, and it operates as a broker-dealer and insurance agency.

Paul Bernardi is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Citizens Securities since 2004. 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 a digital advisory platform and a managed account program, and is wholly owned by Citizens Bank, N.A.

Lisa Burke is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at MetLife Investors Distribution Company and MetLife. 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, and it operates as a broker-dealer and insurance agency.

Cole Fuller is a financial advisor at Citizens Securities, Inc. with six years of industry experience. He holds a Series 66 designation and has worked previously at Charles Schwab Bank SSB, Charles Schwab, and Dell/EMC. Outside of his advisory role, Fuller is an owner and landlord of a multi-family home. 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 offerings that include a digital advisory program managed in partnership with SigFig and a Managed Account program.