Michael Beaulieu is a financial advisor at Citizens Securities, Inc. with over 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Prudential Insurance Company of America, Global Portfolio Strategies, Inc., and Empower Financial Services, Inc. He serves as a member of the Regional Hebron Andover Marlborough Board of Education and the Town of Hebron Board of Finance, both uncompensated 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 provides a digital advisory program featuring ETF-based portfolios and discretionary management, supported by proprietary algorithms and a client risk-tolerance questionnaire.

Mariya Dmytryk is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. She holds a Series 66 designation and previously worked at Bank of America, Merrill, Cadaret Grant & Co., and State Street Bank. Outside of her advisory role, she delivers for DoorDash on a part-time basis. 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 offerings include a digital advisory program featuring ETF-based portfolios managed with proprietary algorithms, alongside commission-based brokerage activity.

Guido Berardi is a financial advisor at Citizens Securities, Inc. with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citizens Securities for multiple tenures since 2006, with a one-year period at Fidelity Investments from 2022 to 2023. Citizens Securities, Inc. serves a diverse retail client base including individual and high-net-worth investors as well as individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, combining both discretionary and non-discretionary activities, and operates as a wholly owned subsidiary of Citizens Bank, N.A.

Alexander Kravets is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds a Series 66 designation and has previously worked at firms including Valic Financial Advisors, Bank of America N.A., Merrill, and UBS Financial Services. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors as well as individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory program that recommends ETF-based portfolios using proprietary algorithms.

Michael Damon is a financial advisor with Eagle Strategies (NY Life) based in Medway, MA, holding Series 63 and Series 65 credentials and 24 years of industry experience. His career includes roles at Eagle Strategies since 2016 and New York Life Insurance since 2002. Outside of advisory work, Damon serves as head coach for the South Shore Kings hockey team. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients. The firm offers a variety of program types, emphasizing tailored recommendations, and manages most assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Paul Silva is a financial advisor at Citizens Securities, Inc. with 22 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked 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 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, operating alongside its broker-dealer and insurance agency activities.

Jon Garvin is a financial advisor at Citizens Securities, Inc. with 25 years of industry experience. He has held positions at Citizens Securities since 2021 and previously worked for Fidelity Investments from 2006 to 2021. He holds Series 63 and Series 65 licenses. Citizens Securities serves a wide range of retail clients, including individual and high-net-worth investors as well as individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory program with ETF-based portfolios and a Managed Account program.

Eric Padula is a financial advisor at Citizens Securities, Inc. with 17 years of industry experience. He holds Series 63 and Series 65 credentials 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, without compensation. 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 both a broker-dealer and insurance agency.

James Cuoco is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and with 16 years of industry experience. He has been with Citizens Securities since 2012. Outside of his advisory role, he owns a second home in Naragansett, RI. Citizens Securities serves a broad retail client base that includes individual and high-net-worth investors and retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory platform and Managed Account program.

Masoud Sadeghianpourhamami is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and previously worked at Citizens Bank and Environmental Design Engineering Inc. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors as well as individual retirement plans. The firm offers investment advisory programs, including a digital advisory platform managed with SigFig, alongside brokerage and insurance services.

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®-credentialed financial advisor with four years of industry experience. He currently works at Citizens Securities, Inc. and has previously held roles at Infinex Investments, Epstein Financial, and Citizens Bank. Outside of advisory work, he tutors individuals for securities exams and math through Wyzant and is involved with the Boys and Girls Clubs of Boston as a Friends Council member. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering both investment advisory and brokerage services. The firm’s advisory programs include a digital platform and managed accounts, operating alongside its broker-dealer and insurance agency functions.

Kirsten Bagaglia is a financial advisor at Commonwealth Financial Network with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Commonwealth since 2018, following roles at Citizens Securities Inc. and Citizens Bank. She 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 clients, offering a range of advisory programs, wealth management, and retirement plan consulting services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Michael Oliveri is a Series 66-licensed financial advisor with 12 years of industry experience. He is currently with Citizens Securities, Inc. and has previously worked at Bank of America, Merrill, and Santander Bank and Securities. 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 and managed accounts.

Peter Caplan is a CFP® professional with 38 years of industry experience, currently affiliated with Commonwealth Financial Network in Foxboro, MA. He has been with Commonwealth Equity Services, Inc. since 1999. Caplan is the managing member of Caplan Asset Management, LLC, an entity involved in securities and insurance business activities. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and personalized investment options, while acting as a platform and operations provider for affiliated advisors.

Joseph Lagner is a financial advisor at Citizens Securities, Inc. with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citizens Securities and Santander Securities, among other firms. 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 provides a digital advisory program managed with SigFig and a separate Managed Account program, while also operating as a broker-dealer and insurance agency.

Ryan Pinto is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with Citizens Securities since 2014. Outside of his advisory role, Pinto coaches youth baseball as both a little league coach and head coach for the Ocean States SnapDragons. 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 approach includes a digital advisory program and managed accounts, supported by its status as a bank-owned broker-dealer.

David Sawan is a financial advisor with Kestra Advisory Services, holding a Series 66 designation and 15 years of industry experience. He previously worked at Commonwealth Financial for 16 years before joining Kestra Advisory and Kestra Investment Services in 2026. Outside of his advisory role, he is involved with PCF, Paper Courier, a non-investment related business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, and employee education, serving large institutional investors such as sovereign wealth funds and managing approximately $79.8 billion in assets.

William Vanech is a financial advisor with Oppenheimer, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Oppenheimer since 2010. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services, combining strategic and tactical asset allocation with various investment strategies and financial planning.

Benjamin Magoun is a CFP® professional with 21 years of industry experience, currently affiliated with Commonwealth Financial Network and Fitzwilliam Financial since 2007. He has also been associated with Strategic Financial Alliance since 2024. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing approximately $212.7 billion in client assets. The firm offers a broad range of adviser platforms including managed-account programs, third-party asset manager access, and comprehensive custodial and clearing services.