Julie Warren is a financial advisor at TIAA-CREF with 18 years of industry experience. She holds the Series 66 designation and has worked previously at Wachovia Securities and Wells Fargo & Co. since 2012. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm offers model-based and customized portfolio management within a fiduciary framework and acts as adviser to a donor-advised fund.

Glen Dowden is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Inc. and GWN Securities, Inc. He serves as executor and power of attorney for family members. 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, operating under the ownership of Citizens Bank, N.A.

Lauren Cunningham is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation with 16 years of industry experience. She has been with Citizens Securities since 2015. 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, including a digital advisory program managed in partnership with SigFig and a Managed Account program.

Cody Machie is a financial advisor at Citizens Securities, Inc. with Series 65 and Series 63 licenses. He has experience with Fidelity Investments and Fidelity Brokerage Services, LLC, and has been with Citizens Securities since 2026. 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 advisory offerings include a digital advisory program that uses proprietary algorithms to recommend ETF-based portfolios and a Managed Account program.

Bruno Cunha is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and six years of industry experience. He previously worked at Fidelity Investments for three years and has multiple tenures within Citizens Securities and Citizens Bank. 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 managed with SigFig and a Managed Account program, while operating as a broker-dealer and insurance agency.

Michael Michaelson is a financial advisor at Citizens Securities, Inc. in Johnston, Rhode Island, holding a Series 66 designation with 13 years of industry experience. He has been with Citizens Securities since 2015. 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, while operating as a broker-dealer and insurance agency.

Sean Trottier is an advisor with Guardian Life and holds the Series 63 and Series 65 credentials. He has one year of industry experience, including roles at Park Avenue Securities and Florida Financial Advisors DBA New England Financial Advisors. Outside of his advisory work, he has been involved in fixed insurance sales through a related business. His firm, Park Avenue Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, retirement consulting, and a range of investment advisory programs.

Dylan Souter is a CFP® with eight years of industry experience, currently affiliated with Citizens Securities, Inc. He has held positions at Santander Securities, Santander Bank, Northwestern Mutual Investment Services, Paul J Driscoll, and Global Atlantic Financial Group. Outside of his advisory role, he is involved as a member of 4 Keyes Ln, LLC, assisting with rental management. 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 offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Preston Grundy is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill. Grundy also hosted The Ben and Tony Podcast for one year. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory, brokerage, and insurance services. The firm provides both a digital advisory program and a managed account program, with a range of discretionary and non-discretionary services.

Michael Beaulieu is a financial advisor at Citizens Securities, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Empower Financial Services, Inc., Global Portfolio Strategies, Inc., and Prudential Insurance Company of America. Beaulieu serves as a member of the RHAM Board of Education and the Town of Hebron Board of Finance, both volunteer positions. 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 a digital advisory program and a Managed Account program, operating within a combined bank, broker-dealer, and advisory structure.

Mariya Dmytryk is a financial advisor at Citizens Securities, Inc. with six years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, Merrill, and several other financial institutions. Outside of her advisory role, she delivers food for DoorDash. 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 digital and managed account advisory programs and is wholly owned by Citizens Bank, N.A.

Guido Berardi is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has worked at Citizens Securities for multiple periods since 2006, with a one-year tenure at Fidelity Investments in between. 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 managed in partnership with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Alexander Kravets is a Series 66-licensed financial advisor with Citizens Securities, Inc. in Johnston, RI, with three years of industry experience. His prior work includes roles at Valic Financial Advisors, Bank of America N.A., Merrill, UBS Financial Services, and Santander Bank NA. He has held various positions in both financial services and other industries. 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 platform with ETF-based portfolios and discretionary managed accounts, alongside commission-based brokerage and other non-discretionary services.

Paul Silva is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 66 credentials and 22 years of industry experience. His prior roles include positions at Santander Bank, NA and Santander Securities, LLC. 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 a business model that integrates bank, broker-dealer, and advisory services.

Jon Garvin is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Fidelity Investments for 15 years before joining Citizens 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 provides both a digital advisory program and managed accounts, operating as a broker-dealer and insurance agency and is wholly owned by Citizens Bank, N.A.

Eric Padula is a financial advisor at Citizens Securities, Inc. with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citizens Securities since 2015. Outside of his advisory role, he serves as power of attorney for his father and executor of his mother’s estate. 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.

James Cuoco is a Series 66-credentialed advisor with 16 years of industry experience, currently with Citizens Securities, Inc. since 2012. Outside of his advisory role, he is an owner of a second home in Naragansett, Rhode Island. Citizens Securities serves individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm operates both a digital advisory platform with ETF-based portfolios and a managed account program while also functioning as a broker-dealer and insurance agency.

Masoud Sadeghianpourhamami is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and previously worked at Citizens Bank, Environmental Design Engineering Inc, and Fackelmann. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, and offers a range of investment advisory programs, brokerage, and insurance services. The firm provides both digital and managed account advisory options and operates as a broker-dealer and insurance agency.

Michael Tikoian is a financial advisor with Integrated Wealth Concepts LLC in Providence, RI, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Marcum LLP since 2022 and LPL Financial from 2017 to 2023, along with over four decades at Piccerelli, Gilstein & Co, LLP. Outside of advising, he teaches at Providence College and serves on the board of Greenwood Credit Union. Integrated Wealth Concepts serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and consulting, employing primarily long-term strategies with portfolios built from mutual funds, ETFs, equities, and fixed income.

Maximilian Alsarraf is a CFP® and Series 66 registered financial advisor at Citizens Securities, Inc. with four years of industry experience. His prior roles include positions at Infinex Investments, Epstein Financial, and Citizens Bank. Outside of advising, he tutors securities exam candidates and mathematics students and serves on the Friends Council for the Boys and Girls Clubs of Boston. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and managed accounts, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.