Stephen Dempsey is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He has worked at LPL Financial since 2020 and previously held roles at Securities America Advisors and Waddell & Reed. Outside of his advisory work, he is an author for Freehub Magazine and owns a tree service business. 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 offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Joseph Randall is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with UBS since 2014. He is based in Lummi Island, Washington. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Chavonne Horton is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and one year of industry experience. Before joining Morgan Stanley, she worked in various roles across construction and wellness sectors. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analysis to support clients’ financial goals.

Scott Caldwell is a Series 66-licensed financial advisor with LPL Financial, based in Bellingham, WA, and has 21 years of industry experience. Prior to joining LPL Financial in 2021, he was involved with multiple local organizations including The Bellingham Team, several youth soccer clubs, and nonprofit groups such as Blue Skies for Children and Junior Achievement NW Washington. 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 offers a range of financial planning and advisory services, including model portfolios and retirement plan consulting, supported by research from LPL Research and third-party subadvisors.

Cassandra Spitzer is a financial advisor with LPL Financial, holding CFP® and Series 66 credentials and 14 years of industry experience. She previously worked at Waddell & Reed and various insurance carriers, and ran a book-selling business for 20 years. Outside of her advisory role, she has been involved in non-variable insurance activities in Bellingham, WA. 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 advisors. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

Eric Ludwig is a financial advisor at Edward Jones based in Lynden, WA, holding a Series 66 designation with 14 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds.

Scott Dirksen is a financial advisor with LPL Financial in Bellingham, WA, holding CFP®, Series 65, and Series 63 credentials and has 10 years of industry experience. His prior experience includes roles at First Republic Investment Management, First Republic Securities Company, and Bellingham Capital Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Steven Webb is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 12 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Traci Bjorklund is a financial advisor with Edward Jones in Bellingham, WA, holding a Series 66 designation and 18 years of experience at the firm. In addition to her advisory role, she serves as president of Karleby Builders, Inc., a general contracting business. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies and affiliated financial services. The firm manages approximately $1.01 trillion in assets and operates through a large nationwide network of advisors and branch offices.

Suzannah Gusukuma is a financial advisor at Mass Mutual Investors Services with 21 years of industry experience. She holds the Series 66 designation and has previously worked at Metlife Securities and METLIFE before joining Mass Mutual in 2016. Outside of her advisory role, she owns Lightning Tree Designs, a handmade arts and crafts business based in Bellingham, WA. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, collaborative planning engagements supported by firm-approved analytical tools and various event-driven planning programs.

Aaron Redd is a financial advisor with LPL Financial in Bellingham, WA. He holds a Series 66 designation and has three years of industry experience. His prior work includes roles at Peoples Bank and Western Washington University. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a wide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by internal and third-party research.

William Zollner is a financial advisor with Wells Fargo Clearing in Bellingham, WA, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Outside of his advisory role, Zollner operates a notary service in Bellingham. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Daniel Davis is a financial advisor with Wells Fargo Clearing in Bellingham, WA, holding Series 63 and Series 66 registrations and having 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he owns and operates two small businesses related to online baseball card sales and maple production supplies. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research from Wells Fargo Investment Institute and third-party sources, employing diversification principles and modern portfolio theory in its investment evaluations.

Timothy Anderson is a financial advisor with Ameriprise in Bellingham, WA, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its affiliated entities since 1986. Outside of his advisory role, Anderson serves on the Board of Directors for the Fairhaven Trials HOA as secretary and is a member at large of the Historic Fairhaven Association. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, providing comprehensive written recommendation reports. The firm combines research, modeling, and tax-efficiency analysis to assist clients, with a focus on assets managed within Ameriprise accounts.

Shawn Morton is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. He has worked with LPL Financial since 2021 and previously spent 11 years at Waddell & Reed, Inc. Morton is involved with several organizations, including the National Christian Forensics & Communication Association and Epic Speech And Debate Club. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Anastasia Potapova is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. She has worked previously at Northwestern Mutual Investment Services LLC, Merrill, and Wells Fargo Investments. Outside of her advisory role, she is involved in caregiving for a family member. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Chelsea Wells is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as treasurer for the Southside Soccer Club in Bellingham, WA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its offerings.

Joshua Nuffer is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Montoya Wealth Management, Thrivent Financial, and USPS as a highway contractor. Outside of finance, he is involved in modeling and acting, focusing on character portrayal and fashion-related projects. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutions. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by in-house and third-party research and portfolio management options.

Rhea Booth is a financial advisor with Edward Jones in Bellingham, WA, holding a Series 66 credential and bringing four years of industry experience. She previously worked at Kroger Fred Meyers and has operated RheaCreates, an abstract landscape painting business, since 2011. Booth also serves as President of the Valley Arts Group, where she participates in board activities and exhibits her art annually. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and affiliated investment products. The firm manages approximately $1.01 trillion in assets and is notable for its extensive network of financial advisors and branch offices.

Taylor Hargett is a financial advisor at Edelman Financial Engines with seven years of industry experience. He holds a Series 65 designation and has worked at Financial Engines Advisors L.L.C. and Global Tranz. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online offerings.