Jennifer Foster is a financial advisor with Osaic Institutions, Inc. She holds Series 63 and Series 65 credentials and has 25 years of industry experience. Her previous roles include positions at U.S. Bancorp Investments, Ameriprise, and Securities America. Foster also serves as a financial advisor for Idaho Central Credit Union. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser and broker-dealer structure.

Melody Royer is a financial advisor at OSAIC Institutions, Inc. with a Series 65 credential and one year of industry experience. Her prior roles include positions at ICCU, Sand Creek Capital, and various other organizations. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers a range of customized advisory services and operates with a hybrid adviser/broker-dealer structure that includes access to alternative investments and a lending marketplace.

Sandra Penner is a financial advisor with Osaic Institutions, Inc. holding Series 63 and Series 66 licenses and 30 years of industry experience. Her prior work includes 15 years at Citigroup Global Markets, Inc. and Citi Private Bank, as well as time at Merrill and Banc of America Investment Services, Inc. She currently works within the OSAIC advisory network. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions through a hybrid adviser/broker-dealer model.

Lora Lakatos is a Series 66-licensed financial advisor at OSAIC Institutions, Inc. with 13 years of industry experience. Her prior roles include positions at Ameriprise Financial Services, LLC, U.S. Bancorp Investments, Inc., Wells Fargo Clearing, and Securities America, Inc. She also serves as operations manager for an independent RIA, Idaho Central Wealth Management. OSAIC Institutions, Inc. is an SEC-registered adviser serving individual, retirement plan, trust, estate, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating under a hybrid adviser/broker-dealer model with both discretionary and non-discretionary accounts.

Aaron Williamson is a financial advisor with OSAIC Institutions, Inc. holding Series 66, Series 63, and Series 65 designations and 14 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Key Bank, and Idaho Trust Bank. Outside of advisory work, he is president of a college philanthropy organization. OSAIC Institutions, Inc. serves individuals, ERISA plans, trusts, estates, and corporate clients through a network of investment adviser representatives, offering customized advisory and consulting services along with access to alternative investments and lending solutions. The firm operates a hybrid adviser/broker-dealer structure with a focus on firm supervision and extensive third-party relationships.

Sean Meldrum is a financial advisor at Osaic Institutions, Inc. with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Ameriprise Financial Services, LLC, and Securities America, Inc. Meldrum is also affiliated with Idaho Central Credit Union in a financial advisory capacity. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating under a hybrid adviser/broker-dealer model.