Theodore Rampini III is a financial advisor with Citizens Securities, Inc., holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His work history includes multiple roles at Citizens Securities and Citizens Bank, as well as experience at Santander Securities and Santander Bank. Outside of his advisory work, he owns the Textovert app, which involves managing technology. 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 provides a digital advisory program with ETF-based portfolios and a Managed Account program alongside its broker-dealer and insurance operations.

Patrick Hurley is a Series 66-licensed advisor at Citizens Securities, Inc. with seven years of industry experience. Before joining Citizens Securities in 2020, he worked at Merrill and Bank of America. Outside of his advisory role, he volunteers as a youth soccer coach for a U12 recreational league. 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 platform and a Managed Account program, operating as both a broker-dealer and insurance agency.

Mohamed Elhannawi is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds the Series 65 and Series 63 designations. Prior to joining Citizens Securities, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities for four years. 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 operates both discretionary and non-discretionary programs, including a proprietary Digital Advisory Program and Managed Account program.

Daniel Fitzmaurice is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Santander Securities, Santander Bank, and Merrill. Fitzmaurice also served in the U.S. Coast Guard Reserve for 20 years. Citizens Securities serves a diverse retail client base including individual and high-net-worth investors, offering investment advisory, brokerage, and insurance services. The firm’s advisory programs include a digital advisory platform managed in partnership with SigFig and a separate Managed Account program.

Susan Beard is a financial advisor at Janney Montgomery Scott with Series 63 and Series 66 registrations and 31 years of industry experience. She has worked at Janney Montgomery Scott since 2017 and previously spent 11 years at Merrill. Janney Montgomery Scott LLC manages approximately $110 billion in client assets and serves a diverse client base, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients. The firm provides brokerage services, financial planning, consulting, and multiple advisory programs, combining in-house portfolio management with third-party managers across various platforms.

Matthew Smolko is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Merrill, Bank of America, and Santander Securities. Outside of his advisory role, he manages a rental property in Clinton, Massachusetts. 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, while also operating as a broker-dealer and insurance agency.

Christopher De Rouin is a CFP® and holds a Series 66 license with seven years of industry experience. He is currently with Commonwealth Financial Network and has prior experience at Morgan Stanley, Decisive Wealth Management, Citizens Securities, Inc., and Kahn, Litwin, Renza & Co., Ltd. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and both individual and institutional clients. The firm offers a range of managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Tia Finn is a financial advisor at Eagle Strategies (NY Life) with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Eagle Strategies, she worked at Riverview Capital Advisers, LLC and The Colony Group, and has held roles at Liberty Mutual Insurance. She is also a part-time student at Boston University pursuing financial planning. Eagle Strategies serves a diverse client base including individuals, defined contribution and defined benefit plans, as well as charitable and corporate clients. The firm offers financial planning, investment management, and retirement plan advisory services, emphasizing tailored recommendations delivered through multiple program types and primarily managing assets on a non-discretionary basis.

Charles Kunzelman is a CFP® with 27 years of industry experience, currently serving at Citizens Securities, Inc. since 2000. He holds Series 63 and Series 65 licenses and is a notary public in the State of Connecticut. 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 a digital advisory program and a managed account program, while also functioning as a broker-dealer and insurance agency.

Kevin Daley is a financial advisor at Citizens Securities, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Santander Securities, LLC, Santander Bank, NA, Eastern Bank, and Investment Professionals, Inc. since 2010. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers 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.

Melissa Trapp is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has been with Commonwealth Financial Network and Bank of Rhode Island since 2000. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services, including discretionary model portfolios and customized investment solutions. The firm functions primarily as a platform and back-office provider, supporting affiliated advisors with operations, trading, technology, compliance, and practice management.

Matthew Hassett is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has worked at Janney Montgomery Scott since 2015. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and advisory programs through a combination of in-house and third-party portfolio management.

Joseph Tallman is a financial advisor at Commonwealth Financial Network with a Series 65 designation and one year of industry experience. His prior work includes roles at Sowa Financial Group, Dave's Marketplace, Bryant University, and Community College of Rhode Island. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing roughly $212.7 billion in client assets. The firm offers a broad adviser-support platform that includes managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Liam Patel is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and has previously worked at Equitable Advisors, LLC, NorthStar Financial, Method 3, and TurnKey Lender. 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, including a digital advisory program that employs proprietary algorithms to recommend ETF-based portfolios tailored to client risk profiles.

Octavio Fonseca is a financial advisor at Citizens Securities, Inc. in Providence, RI, holding Series 63 and Series 65 licenses with 26 years of industry experience. His prior roles include positions at AXA Advisors, LLC and Colony Capital, LLC (formerly NorthStar Securities, LLC). Outside of his advisory work, he serves as Durable Power of Attorney for Health Care for his spouse. 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 with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Ryan Donovan is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds a Series 66 designation and has previous work experience at Bank of America, Merrill, and QMed Innovations. 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 advice platform using proprietary algorithms and a managed account program, while also operating as a broker-dealer and insurance agency.

Philip White is a financial advisor at Citizens Securities, Inc. with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citizens Securities since 2015. Citizens Securities serves a diverse retail client base, including 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, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Grant Brown is a CFP® with eight years of industry experience, currently serving as an Investment Advisor at Kestra Advisory Services, LLC. He has prior experience as Vice President at Compensation Planning Inc., where he focused on ERISA compliance and retirement plan consulting. Brown also holds a board position with the Estate Planning Council of Rhode Island. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering services including fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions.

Jonathan Mathews is a financial advisor at Commonwealth Financial Network with four years of industry experience. He holds the Series 66 designation and has previously worked at firms including John Hancock, Prudential Financial, and GRAIL. Mathews 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 retail and institutional clients, providing a range of advisory programs, technology, and operational support. The firm offers various investment solutions, including discretionary model portfolios and personalized indexing options, while advisors maintain discretion over client portfolio construction.

Jackson Wellman is a financial advisor with Citizens Securities, Inc. in Johnston, RI. He holds a Series 66 designation and has been in the industry since 2025. Prior to joining Citizens Securities, he worked briefly at Equitable Advisors and held various roles outside the financial industry. He volunteers as an assistant football coach at the University of Massachusetts Dartmouth. 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.