Richard Keppler

I began investing with my first mutual fund purchase in 1983. I've continued studying investments and financial planning ever since, becoming a member of the American Association of Individual Investors in 1984. I earned the Associate of Science in Electronics, from Gavilan College in 1986, the Bachelor of Science in Business Administration (cum laude) at Chapman University in 1995, Master of Business Administration at Columbia College of Missouri in 2002. I completed Boston University’s Online Program for Financial Planners in 2006, and most recently earned the Master of Science in Finance & Economics at West Texas A&M University in 2024. I began formally helping others reach their financial goals in 1991, as the Command Financial Specialist aboard USS Dixon (AS 37), as part of the US Navy’s then-new Personal Financial Management program. I served in the same position at Afloat Training Group in Yokosuka, Japan. After completing a Navy career, I worked at Bank of America, first in Northwest Dealer Banking, and was soon promoted to Investment Specialist in Retirement Services. I enjoy helping others apply principles of financial management to their personal situations and teach courses in: Personal Financial Planning; Business Finance; Principles of Real Estate; Investments; and Micro and Macro Economics for Columbia College in Oak Harbor and Marysville. I also taught Personal Finance & Investments for Skagit Valley College from 2004 through 2016. Penn Cove Financial, LLC was established in 2005 and began offering Financial Planning & Investment Management services to the public in March 2006.

William Beezley is a financial advisor at Olympic Financial Advisors, LLC with nine years of industry experience. He holds Series 63 and Series 65 designations and has been with Olympic Financial Advisors since 2016. Prior to this, he worked at East Jefferson Fire Rescue for nine years. Olympic Financial Advisors provides investment management and financial planning services to individuals, foundations, nonprofits, and corporate clients. The firm’s approach combines fundamental issuer analysis with a passive, asset-allocation strategy using index funds and ETFs, emphasizing long-term allocation and serving a notable mix of charitable organizations.

Michael Moore is an independent financial advisor with Peak Investments in Oak Harbor, WA, holding Series 63 and Series 65 licenses and bringing six years of industry experience. He has been associated with Retirement Income Planners since 2015 and has operated his own business under the name Peak Investments since 1997. Moore is also a licensed insurance agent selling fixed and equity-indexed annuities. Peak Investments provides personalized investment management and financial planning services to individuals, pension and profit-sharing plans, and small businesses. The firm emphasizes discretionary portfolio management based on client-specific objectives and is notable for its active role in pension consulting and its affiliation with an insurance business.

Thomas Nowak is a CFP® professional with 21 years of industry experience, currently serving as the sole advisor at Quantum Financial Planning LLC in Langley, WA. He has been with the firm since 2005. Nowak is also a published author on low-fee socially responsible and vegan investing, earning royalty income from his books. Quantum Financial Planning LLC provides financial planning and investment consultation to individuals, families, and small organizations, including retirement-plan advice and rollovers. The firm offers hourly, fee-for-service advice emphasizing long-term, diversified, tax-efficient, and low-cost investment strategies without ongoing discretionary management.

Jamie Low is a financial advisor at Palouse Capital Management, Inc. with 17 years of industry experience. He holds a Series 65 designation and has worked with Palouse Capital since 2025. In addition to his advisory role, he serves as a QuickBase Administrator for American Power Systems, LLC, a company specializing in DC power solutions. Palouse Capital Management provides discretionary investment management to individuals, corporations, pension plans, endowments, and foundations, as well as model-portfolio recommendations to other financial firms. The firm combines macro and cyclical analysis with fundamental research to create customized portfolios and offers a range of named strategies while managing both discretionary and model assets.

Stephen Guss is a financial advisor at Sound Investment Strategies, Inc. in Langley, WA, holding Series 63 and Series 65 licenses with 19 years of industry experience. He has been with Sound Investment Strategies since 2007. Sound Investment Strategies provides discretionary portfolio management and investment supervisory services to individuals, retirement and profit-sharing plans, trusts, estates, and corporations. The firm uses a combination of fundamental and quantitative analysis to tailor asset allocation and security selection according to each client’s risk tolerance, managing approximately $52.1 million in assets for around 97 clients.