Cheryl C Smith

Claireese Baggao is a financial advisor at Layline Financial with seven years of industry experience. She holds a Series 65 designation and has previously worked with firms including Brio Financial Group, Taddei Ludwig & Associates, and Wells Fargo Capital Management. Layline Financial is an independent, fee-only firm serving individuals, high-net-worth clients, small business owners, and a diverse range of other client types. The firm employs a Modern Portfolio Theory framework with strategies such as ETFs, strategic factor tilts, and direct indexing, providing ongoing financial planning and discretionary portfolio management primarily through remote service.

Sara Cooper is the sole advisor at Cooper Capital, Inc. in Sandpoint, Idaho, with 20 years of industry experience and a Series 66 designation. She has led Cooper Capital since 2005 and was previously involved with Bend Beer Garden, LLC from 2021 to 2023. Outside of advising, she engages in freelance writing and manages two non-investment-related businesses, Bowden Holdings LLC and Pivo Peaks Alehouse LLC. Cooper Capital provides discretionary investment management and retirement-account advice primarily to individuals and high-net-worth clients, with occasional corporate clients. The firm emphasizes customized portfolio construction, focusing on high-grade fixed income and mortgage-backed securities, and allows clients to impose written investment restrictions.

Brad Williams is a financial advisor with Williams and Schiller Wealth Management, LLC, holding the PFS™ designation and Series 65 license, with 18 years of industry experience. He is also a Certified Public Accountant and a principal at Williams & Parsons, P.C. CPAs, where he has worked for over 30 years. Williams and Schiller Wealth Management provides investment management and comprehensive financial planning to individuals, business owners, qualified retirement plans, and select institutional or nonprofit accounts. Their investment approach is long-term and asset-class focused, utilizing diversified portfolios often implemented with no-load mutual funds, ETFs, and tax-aware strategies, supported by integrated accounting and tax services through their affiliated CPA firm.

Jeff Bynum is a financial advisor at Coho Advisory Services, LLC with 14 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Park Avenue Securities and Guardian Life Insurance Company. Bynum is the founder of Huntfund, an app designed to help users automate savings toward hunting budgets, which is expected to launch by the end of 2024. Coho Advisory Services manages approximately $52 million across about 150 client relationships, providing portfolio management, comprehensive financial planning, and retirement-plan consulting. The firm employs a core passive allocation with tactical active adjustments and primarily manages assets on a non-discretionary basis.

Mark Jensen is a Series 65-credentialed advisor with Gradient Advisors, LLC, based in Sandpoint, ID, and has 10 years of industry experience. He has worked with Gradient Advisors and Legacy Global Financial Group since 2016 and served in the Idaho Army National Guard from 2012 to 2018. Outside of his advisory work, Jensen is also a licensed real estate agent with Remax In Action. Gradient Advisors, LLC provides investment management, financial planning, and consulting services to individuals, retirement plans, trusts, estates, charitable organizations, corporations, and business entities. The firm operates primarily through a network of Investment Advisor Representatives and third-party money managers, offering a largely non-discretionary model that incorporates risk analysis tools and multiple portfolio analysis methods.

Benjamin Warren is a CFP® with 20 years of industry experience and has been with Clear Creek Financial Management, LLC since 2014. He holds Series 63 and Series 66 licenses and is based in Sandpoint, Idaho. Clear Creek Financial Management serves individuals, employer retirement plans, trusts, estates, other advisers, and business entities, providing asset management, financial planning, pension consulting, and algorithmic research through Helios Quantitative Research. The firm employs a range of investment strategies with continuous account supervision and quarterly portfolio reviews.