Nicoletta Schaff is a CFP®-designated financial advisor with eight years of industry experience, currently with FAP, LLC in Bellevue, WA. Her prior roles include positions at Financial Advisory Partners and Commonwealth Financial Network. FAP, LLC is a small advisory firm focusing on financial planning services such as retirement, tax, estate, business planning, risk/insurance analysis, and rollover guidance. The firm emphasizes hourly planning engagements and client-directed implementation rather than discretionary portfolio management or percentage-of-AUM billing.

Sally Mccray is a CFP® with 40 years of experience in the financial services industry. She is associated with FAP, LLC and has worked at Commonwealth Financial Network since 2020. Prior to that, she spent nearly two decades with KMS Financial Services and has been involved with Financial Advisory Partners since 2001. FAP, LLC is a small advisory firm that provides financial planning services to a limited number of clients, focusing on areas such as retirement, tax, estate, and business planning. The firm emphasizes hourly planning engagements and client-directed implementation, without discretionary portfolio management or custody of client assets.

Hannah Ahmed is a CFP® certificant with 19 years of experience in the financial services industry. She has worked at firms including Commonwealth Financial Network, Stack Financial Management, Merriman Wealth Management, Fisher Investments, Morgan Stanley, UBS Financial Services, and Citigroup Global Markets. Ahmed is also an investment adviser representative of Financial Advisory Partners, where she provides financial planning services. FAP, LLC is a small advisory firm focused on financial planning including retirement, tax, estate, business planning, risk/insurance analysis, and rollover guidance. The firm does not manage client assets but offers technical analysis and tactical asset allocation in its investment guidance, with implementation typically handled separately through licensed representatives.