Charles Cowgill is a CFP® professional with 20 years of experience in the financial services industry. He is currently with Richards Merrill Wealth Management, where he has worked since 2024. Prior to this, Cowgill worked at Charles Schwab & Co., Inc. from 2006 to 2024 and was a self-employed writer from 2013 to 2024. Richards Merrill Wealth Management is a team advisory firm managing approximately $643.6 million for around 1,270 clients, including high-net-worth individuals, retirement plans, trusts, and charitable organizations. The firm offers ongoing portfolio management and financial planning with investment strategies that include both long- and short-term trading, using fundamental, technical, cyclical, and charting analyses.

Steven Larson is a financial advisor at Richards Merrill Wealth Management in Spokane, WA, holding a Series 66 designation with 44 years of industry experience. He has been with Richards, Merrill & Peterson, Inc. since 1982. Richards Merrill Wealth Management serves individual and high-net-worth clients, as well as 401(k) plans, trusts, estates, and business entities, managing approximately $514 million in client assets. The firm provides customized Investment Policy Statements and combines various analytical approaches to pursue both long- and short-term investment strategies across a diverse range of securities.

John Larson is a financial advisor at Richards Merrill Wealth Management in Spokane, WA, with 40 years of industry experience. He has held Series 63 and Series 66 licenses and has been with Richards, Merrill & Peterson, Inc. since 1985. Richards Merrill Wealth Management serves individual and high-net-worth clients, as well as 401(k) and profit-sharing plans, trusts, estates, and business entities, managing approximately $514 million in client assets. The firm offers portfolio management and financial planning, employing a mix of analytical strategies and maintaining tailored Investment Policy Statements for clients.

John Michael Larson is a financial advisor at Richards Merrill Wealth Management in Spokane, WA, holding a Series 66 designation with four years of industry experience. Prior to joining Richards Merrill & Peterson Inc in 2022, he worked at Stryker from 2016 to 2022. Richards Merrill Wealth Management is a team advisory firm managing approximately $643.6 million for about 1,270 clients, including high-net-worth individuals, retirement plans, trusts, and charitable organizations. The firm offers portfolio management and financial planning with a focus on mutual funds, equities, bonds, ETFs, and other securities, using both discretionary and non-discretionary strategies guided by documented client goals and risk tolerance.

Monique Corigliano is a CFP® with 24 years of industry experience, currently serving at Richards Merrill Wealth Management since 2000. She holds a Series 63 license and is based in Spokane, WA. Richards Merrill Wealth Management provides portfolio management and financial planning services to individual and high-net-worth clients, as well as retirement plans, trusts, estates, and business entities. The firm uses a blend of charting, fundamental, technical, and cyclical analysis to support both long- and short-term trading strategies across various asset classes and offers tailored financial plans and ongoing supervisory services.

Frederic Lefriec is a financial advisor at Richards Merrill Wealth Management in Spokane, WA, holding a Series 66 designation with 10 years of industry experience. He has been with Richards Merrill & Peterson Inc since 2016. Richards Merrill Wealth Management provides portfolio management and financial planning services to individual and high-net-worth clients, as well as 401(k) and profit-sharing plans, trusts, estates, and business entities, managing approximately $514 million in assets. The firm employs a range of investment strategies including charting, fundamental, technical, and cyclical analysis, and offers both broad advisory programs and mutual fund modeled portfolios tailored to client risk tolerance and asset allocation.

Timothy Williams is a financial advisor at Richards Merrill Wealth Management in Spokane, WA. He holds a Series 66 designation and has over 13 years of experience in the financial industry, with prior roles at Washington Trust Bank and Umpqua Bank. Richards Merrill Wealth Management is a team advisory firm managing approximately $643.6 million for about 1,270 clients, including individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm offers portfolio management and financial planning with investment options including mutual funds, equities, bonds, ETFs, REITs, government securities, and CDs.

Thomas Kendall is a financial advisor at Richards Merrill Wealth Management with 26 years of industry experience. He holds a Series 66 designation and has been associated with Rock City Grill since 1998. Richards Merrill Wealth Management is a team advisory firm managing approximately $643.6 million for about 1,270 clients, including individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm offers portfolio management and financial planning with a focus on mutual funds, equities, bonds, ETFs, REITs, government securities, and CDs.

Mark Calkins is a financial advisor at Richards Merrill Wealth Management with 12 years of industry experience. He holds the Series 66 designation and has been with Richards Merrill & Peterson since 2014. Richards Merrill Wealth Management manages approximately $643.6 million for about 1,270 clients, serving individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm offers portfolio management and financial planning through two advisory programs, employing various investment analysis methods and both long- and short-term trading.