Douglas Whitener is a financial advisor with LPL Financial, holding a Series 63 designation and 39 years of industry experience. His prior experience includes roles at Waddell & Reed, INC. and various insurance carriers spanning 35 years, as well as operating Whitener Inc. and Whitener Properties for multiple years. 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 adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management supported by model portfolios and research resources.

Lucas Jacob is a Series 66–licensed financial advisor with seven years of industry experience. He has worked at LPL Financial since 2025 and previously spent six years with Raymond James Financial Services. Jacob holds a notary public role in Lynden, WA. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Laura Friel is a financial advisor at LPL Financial with Series 66 registration and two years of industry experience. Prior to joining LPL, she served five years in the United States Marine Corps and held positions at WebHouse Inc., Hofstra University, and Columbia University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.

Gregory Young is a financial advisor with LPL Financial in Lynden, WA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 2007. Outside of his advisory role, he is involved in independent insurance sales through a business he operates. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Timothy Goering is a financial advisor with LPL Financial in Bellingham, WA, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. Prior to joining LPL Financial in 2021, he spent over two decades with Waddell & Reed, Inc. and various insurance carriers affiliated with W & R Insurance Agencies. He also has interests in consulting entities unrelated to investment activities. 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 broad range of advisory programs, financial planning, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

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.

Jordan Mackey is a financial advisor with Edward Jones in Bellingham, WA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Mackey worked in education with the Meridian and Mount Baker School Districts, as well as Western Washington University. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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.

Antonette Swanson is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds a Series 66 designation and has 14 years of industry experience, including 13 years at U.S. Bancorp Investments, Inc. Swanson also works as an associate at Chuckanut Financial Services, providing sales and client service support. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and uses analytical modeling tools to support client goals.

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.