Cynthia Lowenstein is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, JPMorgan Chase Bank, and The Retirement Solution Inc. in addition to her current roles at Wells Fargo. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Garbooshian is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2001. Outside of his advisory role, he serves as a trustee for an investment-related trust and is involved as a lender in a non-investment-related real estate lending business. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, managing approximately $2.74 trillion in assets. The firm offers tailored financial planning supported by structured discovery processes and firm-approved tools, focusing on advisory services without individual security recommendations as part of its standalone planning programs.

Jeffrey Lazcano is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Clearing Services LLC, he worked at Uber and JC Penney. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with both discretionary and non-discretionary options tailored to plan objectives and risk tolerances.

Yihua Zhao is a Financial Consultant at Fidelity Investments, a position held since 2025. Prior to this role, Yihua served as a Planning Consultant from 2023 to 2025, a Relationship Manager from 2021 to 2023, an Investment Solutions Representative from 2020 to 2021, and a Customer Advocate from 2018 to 2020, all within Fidelity Investments. This progression highlights Yihua's extensive experience and commitment within the financial services industry. Yihua holds a California Insurance License, supporting expertise in financial planning and client advisory services. A personal statement reflects a deep passion for financial planning and an appreciation for the unique challenges involved in assisting each client. Outside of professional responsibilities, Yihua has interests in food, pets, table tennis, and traveling.

Jie Ji is a financial advisor at J.P. Morgan Securities with five years of industry experience. Jie holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, and Softbank China Venture Capital. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity-related registrations, delivering recommendations on a non-discretionary basis.

Brandon Curneen is a CFP® with 18 years of industry experience, currently serving at Wells Fargo Clearing since 2020. He previously worked at D.A. Davidson & Co. from 2013 to 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Healey is a financial advisor with Morgan Stanley based in Seattle, WA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Prior to that, he worked at Citigroup Global Markets starting in 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and market outlook models.

Ericka Marini is a CFP®-certified financial advisor with nine years of industry experience, currently practicing at Edward Jones since 2019. She operates EK Marini Consulting, a pro bono service offering workforce transition assistance to U.S. Veterans. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients nationwide, managing over $1 trillion in assets through a large network of financial advisors and branch offices. The firm provides diverse advisory services including discretionary and non-discretionary strategies, overlay and tax-efficient solutions, and maintains affiliated capabilities such as a trust company and proprietary mutual funds.

Jorge Valcarcel is a CFA® charterholder with 10 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His prior experience includes roles at Citigroup, Parametric Portfolio Associates, Eaton Vance Distributors, and Nova Savia Group. He also serves on the board of Edmonds United Methodist Church, where he participates in budget and directional decisions. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary guidance, with clients retaining final decision-making authority.

Mark Matthews is a financial advisor with UBS Financial Services in Seattle, WA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with UBS since 1995. Outside of his advisory work, Matthews is active as a soccer referee and serves as a training director and instructor at a ski school. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary capital market assumptions and research to tailor financial plans. The firm operates with a broad platform that includes institutional trading capabilities alongside wealth management services.

Shaun Dennehy is a financial advisor with Robert Baird & Co. in Seattle, WA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Robert Baird & Co. since 2014. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio services, including discretionary and non-discretionary management, separately managed accounts, and specialized overlays, with a range of traditional and non-traditional investment strategies.

Mark Broughton is a CFA® with 10 years of experience in financial services, currently serving as a financial advisor at UBS Financial Services since 2022. His prior roles include positions at First Republic Investment Management, Bank of America, Merrill, Manning & Napier, and Rainier Investment Management. He serves on the advisory board of the Kirkland Boys & Girls Club, a charitable organization focused on community outreach and fundraising. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services through a broad platform of financial planning, portfolio management, and capital markets solutions.

Colleen Hale is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has seven years of industry experience, including six years at Pruco Securities, LLC prior to joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Spencer Gering is a financial advisor with Cetera holding a Series 66 designation and has been in the industry since 2025. Prior to joining Cetera Investment Advisors LLC and Cetera Wealth Services, LLC, he worked at Century 2, Inc. for eight years. Outside of advising, he held a role at Ferdinand's Ice Cream Shoppe in 2024. Cetera Investment Advisors LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party investment managers.

Christopher Anderson is a financial advisor with Thrivent Investment Management in Federal Way, WA, holding a Series 66 designation and one year of industry experience. His prior work includes involvement in a small entrepreneurial venture, co-owning an LLC aimed at opening a bar for board game enthusiasts, though the entity is currently being dissolved. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based financial planning without discretionary trading authority and offering ongoing plan reviews through its network of advisors.

Nicholas Champagne is a financial advisor with LPL Financial, holding a Series 66 designation and bringing nine years of industry experience. His prior roles include positions at Banner Bank, Bank of America, Merrill, Willows Run, and Edward Jones Investment. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Malcolm Prevo is a financial advisor with Morgan Stanley based in Seattle, WA. He holds the Series 66 designation and has three years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Pugh Capital Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Christina Deatry is a financial advisor at Morgan Stanley with 23 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she also works as a notary signing agent, notarizing mortgage documents on a contract basis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and advanced modeling tools.

Justin Sinnott is a financial advisor with Charles Schwab in Bellevue, WA, holding the CFP®, ChFC®, and Series 66 designations and bringing 24 years of industry experience. He has been with Charles Schwab since 2000 and Charles Schwab Bank since 2005. Outside of his advisory work, he has joint ownership interests in residential real estate properties. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, leveraging multi-asset model portfolios and research from the Schwab Center for Financial Research.

Jason Valliant is a financial advisor at Equitable Advisors with a Series 66 credential and one year of industry experience. His prior work includes roles at Whole Foods Market Pacific Northwest and involvement with the US Sailing Center of Martin County. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, working extensively through program sponsors and third-party managers to deliver advisory and brokerage solutions.