Michael Freeman is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses with 30 years of industry experience. He has been with Citizens Securities since 2008. 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 offerings include a digital advisory program and managed account services, operating as both a broker-dealer and insurance agency.

Royah Sultan is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and bringing six years of industry experience. She has been with Bankers Life Advisory Services since 2021 and with Bankers Life Securities since 2017. Outside of her advisory role, she was part owner of Sulchance Listings LLC, a business involved in buying and flipping real estate properties. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, tax efficiency, and a combination of fundamental and technical analysis in its investment process.

Robert Rebussini is a financial advisor with Integrated Wealth Concepts LLC in Cranston, RI, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He has worked at Integrated Wealth Concepts and LPL Financial since 2016. Outside of his advisory work, he serves as a board member of the Knights of the Wine Table. 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, family office, and retirement plan advisory services, focusing on customized portfolios using mutual funds, ETFs, equities, and fixed income with a primarily long-term investment approach.

Ana Cooke is a financial advisor with Citizens Securities, Inc. She holds Series 63 and Series 65 licenses and has 10 years of industry experience. Ana has worked primarily within Citizens Securities and Citizens Bank since 2013. 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.

Marcio Martins is a financial advisor at TIAA-CREF with 11 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining TIAA-CREF in 2018, Martins worked at Citizens Securities Inc. and Citizens Bank. Outside of his advisory role, he manages rental real estate properties. TIAA-CREF’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing relationships through TIAA-administered retirement plans. The firm provides a range of advisory services including model portfolio management and customized portfolios through dedicated portfolio managers.

Maria Coclin is a financial advisor at Integrated Wealth Concepts LLC with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Lincoln Financial Advisors Corporation. In addition to her advisory role, she teaches at the Community College of Rhode Island and is involved with Coclin Associates, Inc., a CPA affiliate program. 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, family office, and retirement plan advisory services, employing a long-term investment approach with customized portfolios primarily composed of mutual funds, ETFs, equities, and fixed income.

Sean Ryan is a financial advisor at Citizens Securities, Inc. with 14 years of industry experience. He holds a Series 66 designation and has worked at Citizens Securities and Citizens Bank since 2017, with prior roles at Wells Fargo entities from 2012 to 2017. Outside of his advisory work, he serves as a notary. 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 offerings include a digital advisory program using ETF-based portfolios and a Managed Account program, operating as both a broker-dealer and insurance agency.

Brian Sullivan is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Santander Securities, LLC, Santander Bank, NA, and Bay State Breakers. 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. Its advisory offerings include a digital advisory program managed in partnership with SigFig and a separate Managed Account program.

Paramjit Singh is a financial advisor at Citizens Securities, Inc. with five years of industry experience. He holds a Series 66 designation and previously worked at Merrill and Bank of America, N.A. Outside of his advisory role, he is a silent partner and officer in multiple businesses, including several convenience store enterprises and other corporations. 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 offerings include a digital advisory program with ETF-based portfolios and a Managed Account program, operating as both a broker-dealer and insurance agency.

Sarah Kennedy is a Series 66-licensed financial advisor at Janney Montgomery Scott with six years of industry experience. Her prior work includes roles at Sheeley & Partners Wealth Management, Johnson & Wales University, and LAZ Parking. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in assets. The firm serves a diverse client base including individuals, families, trusts, estates, and institutional sponsors, offering brokerage, financial planning, consulting, and advisory services through in-house and third-party portfolio management.

Courtney Fenton is a financial advisor with Citizens Securities, Inc. in Johnston, Rhode Island, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has worked extensively within the Citizens financial entities since 2016. Citizens Securities, Inc. 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 provides both a digital advisory program that utilizes proprietary algorithms for ETF-based portfolios and a Managed Account program, operating as a broker-dealer and insurance agency.

Louis Delorenzo is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His career includes multiple tenures at TIAA-CREF and Citizens Securities, Inc. Outside of his advisory work, Delorenzo is also involved in sports photography. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals and institutional clients, often those connected through TIAA-administered retirement plans. The firm offers a range of advisory services including customized portfolio management and acts as adviser to a donor-advised fund within a vertically integrated group.

Kevin Gates is a financial advisor with Eagle Strategies (NY Life) based in Providence, RI. He holds Series 63 and Series 66 licenses and has 22 years of industry experience, working with NYLIFE Securities Inc. and New York Life Insurance Company since 2003. Outside of his advisory work, he serves as the recording secretary for the Knights of Columbus Council 3563, a charitable and religious fraternal organization. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individuals, defined contribution and defined benefit plans, and charitable and corporate entities. The firm offers multiple program types and principally manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Rashid Mahmood is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His career has been primarily with Citizens Securities and Citizens Bank in various roles since 2014. 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 a Managed Account program, operating as both a broker-dealer and insurance agency.

Daniel Dudemaine is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at J.P. Morgan Securities and Citizens Bank, N.A. 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 programs and operates as a broker-dealer and insurance agency.

Daniel Estes is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and four years of industry experience. Prior to joining Citizens Securities, he worked at The Prudential Insurance Company of America and Pruco Securities LLC. 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’s offerings include a digital advisory program that employs proprietary algorithms to recommend ETF-based portfolios tailored to client risk profiles.

Thomas Worsley is a CFP®-designated financial advisor with 22 years of industry experience. He is currently with Citizens Securities, Inc., where he has worked since 2022. His prior experience includes roles at JP Morgan Securities, JP Morgan Chase Bank, TD Ameritrade Investment Management, TD Ameritrade, and Merrill. 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 including a digital advisory program and a Managed Account program.

Dana Sherman is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Commonwealth and Bank Rhode Island since 2003. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions, while providing operational, compliance, and practice-management resources to its affiliated advisors.

Kelley Mcsparren is a financial advisor at Citizens Securities, Inc. with two years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Fidelity Investments and Venning Advisors. Outside of her advisory role, Kelley operates a catering business specializing in taco cart services at events. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, alongside commission-based brokerage and other non-discretionary services.

Ryan Horner is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various capacities at Citizens Bank and Citizens Securities since 2015. Horner also serves as a Notary Public. 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 and brokerage and insurance services, including a digital advisory program and a Managed Account program.