Jeffrey Massey is a CFP® professional with 23 years of industry experience, currently serving as an advisor at AE Wealth Management, LLC since 2018. He previously worked at Global Financial Private Capital, LLC and has maintained Massey & Associates, Inc. since 1995, where he also acts as president overseeing insurance sales. In addition to his advisory work, Massey is an author involved in book sales. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolio solutions, discretionary asset management, financial planning, and consulting services.

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.

Katelyn Woodall is a financial advisor at Bankers Life Advisory Services, Inc. with eight years of industry experience. She holds the Series 63 and Series 65 designations. Woodall has been affiliated with Bankers Life and Casualty, Inc. since 2013 as an agent, where she is appointed to write business for Medicare Supplement, annuity, life, health, and long-term care insurance products. Bankers Life Advisory Services, Inc. provides discretionary portfolio management, investment consulting, and retirement plan consulting primarily to mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis in its investment process.

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.

Jean Desrosiers is a financial advisor with Eagle Strategies (NY Life) based in Fall River, MA. He holds the ChFC® designation along with Series 63 and Series 65 licenses and has 34 years of industry experience. Prior to joining Eagle Strategies, he worked at Williams Estate And Financial Group, Inc. and has been affiliated with New York Life Insurance Company for 25 years. Eagle Strategies serves a diverse client base including individual investors and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types tailored to client objectives and emphasizes fiduciary responsibilities, particularly in its relationships with plan sponsors.

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.

Richard Digennaro is a financial advisor with Integrated Wealth Concepts LLC, holding a Series 66 designation and 13 years of industry experience. He has worked at Integrated Wealth Concepts and LPL Financial since 2016 and previously spent three years with Lincoln Financial Advisors. In addition to his advisory role, he is a partner at DiGennaro & Palumbo LLP, a CPA affiliate program. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, and family office services, constructing customized portfolios primarily using mutual funds, ETFs, individual equities, and fixed income.

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.

Brad Freitas is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and having 14 years of industry experience. He has worked with Bankers Life entities since 2005, including roles at Bankers Life Advisory and Bankers Life Securities. Outside of advisory services, he serves as a unit supervisor and insurance agent for Bankers Life & Casualty, overseeing training and management of agents. He is also a shareholder in StartEngine Crowdfunding, Inc. Bankers Life Advisory Services, Inc. primarily serves mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan services. The firm utilizes a combination of fundamental, technical, and cyclical analysis to create customized asset allocations, with ongoing portfolio management aligned to clients’ goals and risk tolerances.

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.

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.