Janet Shepherd is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 65 and Series 63 licenses and has worked with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank since 2023. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning through its network of advisors and specialized estate planning groups. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support client financial plans.

Kristina Gruett is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as an officer and board member of the Bellingham Golf and Country Club. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and delivers services that include both direct individual financial plans and corporate financial planning agreements.

Franklin Ellars is a financial advisor at Edward Jones in Bellingham, WA, holding Series 63 and Series 66 licenses with 20 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a network of more than 23,700 advisors nationwide.

Chad Bouma is a financial advisor at Cetera with 25 years of industry experience and holds Series 63 and Series 66 credentials. He has been with Cetera since 2013 and also works with Hillco Contracting, where he performs construction labor. Bouma is a member of Northwest Capital Management LLC, a financial services and insurance business. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Todd Van Mersbergen is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Avantax Insurance Services and operating his own firm, VM Financial, LLC. Outside of finance, he manages multiple berry farming operations and provides accounting and tax preparation services through Maas CPA. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers.

Blayne Barnhart Jr. is a financial advisor at Ameriprise with 39 years of industry experience. He has been with Ameriprise and its predecessor firm since 1987. Outside of his advisory role, he is a shareholder and manager at Momentum Partners, LLC. Ameriprise provides retirement-income planning services primarily to individuals with significant investable assets, offering tailored recommendations on income sources, Social Security, and tax-smart withdrawal strategies. The firm combines research and modeling with advisory oversight to deliver structured, algorithm-supported retirement income plans.

Dorothy Whitman is a financial advisor with LPL Financial in Ferndale, WA, holding a Series 66 designation and 17 years of industry experience. Her previous roles include positions at Key Investment Services, Securities America Advisors, Allstate Financial Services, and Principal Life Insurance Company. She serves as the International Chair for the Sunrise Rotary in Bellingham, where she organizes international activities and supports community fundraising efforts. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Matthew Kok is a ChFC® credentialed advisor with 28 years of industry experience, currently serving at LPL Financial. He has previously worked at Raymond James Financial Services Advisors Inc. and Peoples Bank. He is involved with KJ Wealth Group LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement plan consulting, utilizing a mix of discretionary and non-discretionary portfolio management supported by proprietary and third-party research.

Joseph Carpenter is a financial advisor with LPL Financial in Bellingham, WA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with LPL Financial for 14 years and operates Spinnaker Financial Group as a DBA. He also provides occasional notary public services to clients. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Jenny Zheng is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo, she worked at Bright Horizons at University Village for two years and at Xing's Panda Palace for five years. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Nancy Fortier is a financial advisor with LPL Financial in Bellingham, Washington, holding a Series 66 designation and nine years of experience at LPL. Her background includes roles at Peoples Bank and Peace Health Medical Group, as well as positions at Whatcom Community College and Western Washington University. Outside of finance, she works as a dishwasher at Tino's Pizza & Pasta Co. in Bellingham. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a broad range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by research and technology tools.

Joseph Silva is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 credential and six years of industry experience. His career has been focused at Morgan Stanley since 2019, including roles with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Prior to entering the financial industry, he worked at Wesspur Tree Equipment Inc. and spent two years as a full-time student. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling in its advisory process.

Joshua Fish is a CFP® and holds a Series 66 license, working as a financial advisor with Edward Jones in Bellingham, WA. He has eight years of industry experience, including six years at Lake Padden Golf Course prior to joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including various types of households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory strategies and affiliated investment products, operates under a fiduciary standard, and maintains one of the largest networks of financial advisors and branch offices in the industry.

William Tuttle is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 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. 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Donahue is a financial advisor with LPL Financial, holding CFP® and Series 63 credentials and bringing 60 years of industry experience. His prior roles include positions at Cetera Advisor Networks LLC, CWM, LLC, and Linsco/Private Ledger Corp., among others. Donahue is also involved with Asset Advisors, LLC, which he has been associated with since 1996. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations. The firm offers a range of advisory programs, financial planning services, and utilizes research-driven model portfolios and technology in its investment approach.

Andre Triplett Jr. is a Series 66-licensed financial advisor affiliated with LPL Financial. He has recently started his advisory career, joining LPL Financial in 2025. Prior to this, he studied at Eastern Washington University from 2020 to 2024 and has experience working in various roles, including at TurfCare and Bellingham High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning, and retirement consulting services with both discretionary and non-discretionary management options.

James Gruett is a financial advisor with Morgan Stanley in Bellingham, WA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Monisha Brandt is a CFP®-designated financial advisor with Edward Jones in Ferndale, WA, and has 21 years of industry experience. She previously worked at Merrill for four years before joining Edward Jones in 2009. Brandt serves as secretary for the Kulshan Ridge Pony Club in Lynden, WA. Edward Jones is a full-service wealth management firm serving over four million clients, including both individual and institutional investors. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard with a large national network of advisors and branch offices.

Eric Morgan is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He has been with LPL Financial since 2012. Morgan also offers notary services at no cost to clients of Spinnaker Financial Group. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, and charitable organizations, providing a range of advisory programs, financial planning, and brokerage services through its network of investment adviser representatives.