James Elkins is a Series 66-registered financial advisor with Edward Jones in Coeur D'alene, Idaho, and has six years of industry experience. Prior to joining Edward Jones in 2019, he worked for five years at Lone Wolf Harley-Davidson. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a variety of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Mark R. Easterday is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management, where he has been employed since May 1997. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation through the College for Financial Planning Institutes Corporation and additional professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Mark focuses on retirement planning, assisting clients with college planning, estate issues, insurance, and managing large liquidity events such as business sales and inheritances. He works closely with clients who have irregular incomes to help them budget, save, and invest effectively. His practice serves clients across multiple states. A graduate of the University of Southern California with a Bachelor of Science in Business-Finance, Mark is Past-Chairman of the Alumni Association for the USC Marshall School of Business. In his personal life, he and his wife reside in Coeur d'Alene, Idaho. They participate in rodeo activities such as team roping and barrel racing and are active in their Christian church.

Michael Armon Jr. is a financial advisor at Stifel with seven years of industry experience and holds a Series 66 designation. He has been with Stifel since 2018 and previously worked in the travel and technology sectors. Armon serves as a board member for Children's Village, a nonprofit organization in Coeur D'Alene. Stifel provides brokerage and investment advisory services to a diverse client base, including individuals, institutional clients, and charitable organizations. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning decisions.

Renee Mancinelli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Her prior work includes roles at Morgan Stanley Smith Barney and Citigroup Global Markets. Outside of her advisory work, she is a passive investor with a 50% ownership interest in a cattle operation in California. 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 solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within its investment menus.

Gregory Lester is a financial advisor at OSAIC with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Cross Financial Advisors, LLC and LPL Financial, LLC. Lester manages a sole proprietorship, Cross Inland Wealth Management, providing account and asset management services. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

David Lambo is a CFP® and Series 66 certified financial advisor with Edward Jones, based in Spokane Valley, WA. He has 10 years of industry experience, all with Edward Jones since 2016. Outside of his advisory role, he serves as an assistant football coach at Ridgeline High School and is a member of the finance committee at the HUB Sports Center in Liberty Lake. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Walker is a Series 65-licensed financial advisor at Edelman Financial Engines with one year of industry experience. His prior roles include positions at Fellowship Financial Planning, Forster Financial, and Idaho Central Credit Union. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients, offering both discretionary and non-discretionary solutions supported by a proprietary modeling process and planner delivery.

John Sterling is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Edward Jones in Coeur d'Alene, ID. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies under a fiduciary standard, supported by a nationwide network of financial advisors and branch offices.

Mark Holder is a Series 66-credentialed financial advisor with Thrivent Investment Management, where he has worked since 2012. He has 13 years of industry experience. Outside of his advisory role, he serves as a board member of the Spokane Estate Planning Council, supporting educational events and board development for estate planning professionals. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based planning on topics such as retirement, tax, estate, and special needs, without discretionary trading authority or institutional portfolio management.

Christine Brouillette is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. She has worked at LPL Financial since 2022 and has been associated with Horizon Credit Union since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers diverse advisory programs and financial planning services supported by research, model portfolios, and advanced technologies.

Nancy Almond is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Her prior roles include positions at Numerica Credit Union, Hart Capital Management, Columbia State Bank, and earlier tenures at Cetera entities. She serves on the boards of PROCU and Cetera Credit Union Council and co-chairs the finance committee of Safe Passage, a domestic violence prevention service. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and approximately $256 billion in assets under management.

Kathleen Brown is a financial advisor with Primerica Advisors in Coeur D'Alene, ID, holding Series 63 and Series 65 licenses and having 24 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2002 and also owns Avocado Ranch (Casa Milagro) in Morro Bay, CA. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, using model-delivery strategies managed by unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing for execution and custody.

Breanna Valencia is a Financial Advisor with Merrill Lynch Wealth Management, serving clients in Coeur d’Alene, Idaho and the surrounding communities. With 10 years of experience in financial services, she works with individuals and families to develop personalized financial strategies that align with their long-term goals and evolving priorities. Her areas of expertise include investment management, retirement planning, education planning, family wealth management, legacy planning, tax minimization, and small business strategies. Breanna holds the Personal Investment Advisor (PIA) designation. She earned her high school diploma from Oak Ridge High School and attended the University of Nevada - Reno. She is committed to building long-term relationships based on trust and transparency, taking the time to understand what matters most to her clients to help them pursue their financial goals. Breanna provides ongoing advice and guidance as clients' needs change. Outside of her professional role, Breanna enjoys spending time with her family and engaging in activities such as camping, cooking, gardening, golfing, hiking, hunting, music, running, and skiing.

Eric Graczyk is a financial professional at Cetera with 19 years of industry experience. He holds Series 63 and Series 65 registrations and has held roles at Metlife Securities Inc., Massachusetts Mutual Life Insurance Company, Mass Mutual Investors Services, and Cetera since 2022. He is also associated with Core Financial Group, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, a variety of program options, and access to third-party money managers.

Billy Storlie Jr. is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Bank of America N.A. and Merrill Lynch Pierce Fenner & Smith since 2012. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Rigoberto Chavez Gomez is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. He previously worked at UBS Financial Services and Cuso Financial Services, LP, and has also been affiliated with Spokane Teachers Credit Union since 2018. LPL Financial is a national 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 retirement consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Ben Richards is a Senior Financial Advisor and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) at Merrill Lynch Wealth Management. He began his advisory career in 2003 and joined Merrill Lynch in 2011. Ben works with successful individuals, families, and business clients, using a holistic approach and innovative strategies to connect the diverse areas of clients' financial lives to their most important goals. His areas of focus include values-based investing, income investing and income distribution planning, charitable and asset transfer strategies, and risk management in capital preservation and asset growth. Ben holds a bachelor's degree in International Business and Economics from Western Washington University. Prior to his education, he lived in Norway and was involved in mountaineering and outdoors survival training at Valdres FHS. Ben has served on multiple community boards related to childhood education and senior care organizations, contributing his professional talents to their missions. He and his wife Jennifer, along with their children Freya and Owen, participate actively in local events and enjoy outdoor activities in the Pacific Northwest.

Jesse Balsimo is a financial advisor with Raymond James & Associates and holds a Series 66 credential. He has been with Raymond James since 2025 and has experience owning and operating several companies in the wine industry, including Truvino, Inc. and Truvino Merchants, which also consults on solar energy installations for wineries. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients, offering both retail and institutional advisory services.

Christopher Nurvic is a financial advisor with Thrivent Investment Management in Liberty Lake, WA, holding a Series 66 designation and 21 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Nurvic serves as a board member and treasurer for Cancer Can't, a nonprofit supporting people fighting cancer in the Inland Northwest. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing holistic, goal-based analyses across a broad range of planning topics without discretionary trading authority. The firm integrates planning and managed-account services under a consolidated billing option called WealthPlan while maintaining these services separately.

William Dougherty Sr. is a CFP® and PFS™ credentialed advisor with 23 years of industry experience. He is currently affiliated with LPL Financial and has a background that includes over 14 years at Cambridge Investment Research Advisors and extensive experience as a CPA through his firm, William P. Dougherty, CPA, PA. He also operates Dougherty & Associates, CPAs, providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.