Caitlin Zinno is an advisor at Citizens Securities, Inc. with five years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Raymond James & Associates, Inc. before joining Citizens Securities. 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 provides both discretionary Managed Account programs and a digital advisory platform that utilizes ETF-based portfolios and proprietary algorithms.

Owen Lovely is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Fidelity Investments. His background includes roles in leadership and community engagement at Rollins College and involvement with USA Triathlon. 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 employs ETF-based portfolios in its digital advisory program and operates as a broker-dealer and insurance agency, with ownership by Citizens Bank, N.A.

Brian Valcourt is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 credential and 25 years of industry experience. He has been with Citizens Securities since 2005. 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 managed in partnership with SigFig and a separate Managed Account program.

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 at Citizens Securities, Inc. with 19 years of industry experience. He holds a Series 66 designation and has worked at Citizens Securities since 2019. His prior experience includes positions at GWN Securities, Inc. and Merrill. He serves as executor and power of attorney for family members. 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 offerings include a digital advisory program and a Managed Account program.

Lauren Cunningham is a Series 66-licensed advisor at Citizens Securities, Inc. in Johnston, Rhode Island, 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, offering both investment advisory programs and brokerage and insurance services. The firm provides a digital advisory program and a Managed Account program while operating as a broker-dealer and insurance agency.

Kathi Sterns is a financial advisor with Citizens Securities, Inc. in Johnston, RI. She holds the Series 66 designation and has been with Citizens Securities since 2026. Her prior experience includes seven years at Citizens Bank and fourteen years at Bed Bath and Beyond. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans. The firm offers both advisory programs—such as a digital advisory platform and a Managed Account program—and brokerage and insurance services.

Cody Machie is an advisor with Citizens Securities, Inc., holding Series 65 and Series 63 credentials and beginning his industry experience in 2026. Prior to joining Citizens Securities, he worked at Fidelity Brokerage Services and Fidelity Investments. 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 with proprietary algorithms and a separate Managed Account program.

Bruno Cunha is a financial advisor at Citizens Securities, Inc. in Johnston, RI, with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Fidelity Investments and Citizens Bank. 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’s offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Michael Michaelson is a financial advisor at Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation with 14 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 both investment advisory programs and 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.

Sean Trottier is a financial advisor with Guardian Life holding Series 63 and Series 65 designations. He has one year of industry experience, including prior roles at Florida Financial Advisors and Park Avenue Securities. Sean previously worked at Bentley University and J.H. Lynch and Sons. Guardian Life, through its subsidiary Park Avenue Wealth Management, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charities, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies with access to proprietary and third-party programs, including specialized insurance and alternative investment options.

Dylan Souter is a CFP® professional at Citizens Securities, Inc. with eight years of industry experience. He has worked at several firms including Santander Securities, Santander Bank, Northwestern Mutual Investment Services, and Global Atlantic Financial Group. Outside of his advisory role, he is involved as a member of 4 Keyes Ln, LLC, providing rental management assistance. 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 operates both digital and managed account advisory programs and conducts commission-based brokerage and other non-discretionary business.

Preston Grundy is a financial advisor with Citizens Securities, Inc. in Johnston, RI, holding a Series 66 designation and three years of industry experience. He has previously worked at Bank of America N.A. and Merrill. Grundy was also involved with The Ben and Tony Podcast from 2020 to 2021. 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 utilizing proprietary algorithms and discretionary portfolio management, as well as commission-based brokerage and other non-discretionary services.

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.