Jennifer Darvis is a financial advisor with LPL Financial in Spokane, Washington, holding a Series 66 license and bringing 23 years of industry experience. Her prior roles include positions at Voya Financial Advisors, Voya Financial Partners, and Piper Sandler & Co. Outside of advising, she provides administrative support to Mariner Independent Advisor Network, LLC and works part-time for Door Dash. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jerry Karstetter is a financial advisor with RBC Capital Markets in Spokane, WA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at RBC Capital Markets since 2008 and previously spent four years at City National Bank. Outside of advising, Karstetter is active in managing family orchards and agricultural properties. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies according to each client’s risk profile.

Stephen Cote is a financial advisor with LPL Financial in Spokane, WA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior work includes roles at Securities America Advisors and Kms Financial Services. Outside of financial advising, he operates a non-variable insurance agency providing term life, whole life, fixed annuities, group insurance, and universal life products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and oversight of substantial discretionary assets.

Kirt Fredericks is a financial advisor at RBC Capital Markets with 34 years of industry experience. He holds Series 63 and Series 65 credentials. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Advisors. Fredericks serves as a trustee for a family trust. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies and integrates both in-house and third-party managers to implement portfolios.

Howard Barto is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 20 years of industry experience. He has worked at firms including Washington Trust Bank, Principal Securities Inc, and Integral Planning & Wealth Management. He also serves as a trust officer and relationship manager at Washington Trust Bank. Cetera Investment Advisers LLC is an SEC-registered advisor that provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services across multiple program structures and custodial relationships.

Lance Nell is a CFP® professional with 34 years of experience in the financial services industry. He is currently with Raymond James & Associates, having joined the firm in 2023. Prior to this, he worked at Bank of America, N.A. for 12 years and Merrill for 31 years. Outside of his advisory role, he serves as CEO of several business ventures, including Boyd Holdings LP and k-Squared Developments, which are involved in real estate brokerage and property rentals. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that oversees approximately $501 billion in assets. The firm serves a wide client base including individuals, institutional clients, and charitable organizations, offering tailored financial planning and consulting services primarily on a non-discretionary basis.

Eugene Kubik is a financial advisor with Ameriprise in Spokane, WA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Kubik serves on the board of the nonprofit Spring of Hope. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement planning advice with a focus on dependable income sources and tax-aware withdrawal strategies.

Travis Adams is a financial advisor at Edelman Financial Engines with 13 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at The Vanguard Group, Inc. from 2012 to 2018 before joining Financial Engines Advisors L.L.C., where he has been since 2018. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and serves a large client base through both advisor-led and online platforms.

Matthew Sheffield is a financial advisor at LPL Financial with 21 years of industry experience. He holds the Series 66 designation and has worked previously at UBS Financial Services for 16 years and D.A. Davidson & Co. for 3 years. Sheffield operates from Spokane, WA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Suzanne Johnson is a financial advisor at RBC Capital Markets with 37 years of industry experience. She holds the Series 63 and Series 65 designations and has been with RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customized strategies, combining in-house and third-party investment managers to provide portfolio management, financial planning, custody, and brokerage services.

Toby Storlie is a financial advisor with Wells Fargo Clearing in Spokane, WA, holding Series 65 and Series 63 licenses. He has experience at notable firms including J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, he has been involved with A Wooden Wedding LLC, a business venture he managed from 2021 to 2024. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and employs over 14,000 financial advisors, providing both brokerage and advisory solutions.

Heather Shea is a financial advisor with Wells Fargo Clearing based in Spokane, WA. She holds Series 63 and Series 65 registrations and has 31 years of industry experience. Prior to her current role, she was with Wells Fargo Advisors LLC for three years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 advisors and provides both brokerage and advisory solutions.

Karen English is a CFP® with 18 years of industry experience, currently serving as a financial advisor at RBC Capital Markets since 2009. She is based in Spokane, WA, and holds the Series 66 registration. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored strategies that incorporate both in-house and third-party investment managers, providing discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

Tom Cresswell is a financial advisor with Merrill in Spokane, WA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Merrill since 1986 and has also worked at Bank of America since 2009. Outside of advisory work, he owns the trademark for the slogan "Old Fashioned Values. New Ideas." Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Watson is a financial advisor with Cetera, holding a Series 66 credential and six years of industry experience. He has worked at Cetera and Cetera Advisors LLC since 2019, with prior experience at Northwest Farm Credit Services and Numerica Credit Union. Outside of his advisory role, he serves as a church council member at Mission Church. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options, including discretionary and non-discretionary services, model portfolios, and third-party manager selections.

Jordan Carrell is a financial advisor with OSAIC in Spokane, WA, holding a Series 66 designation and two years of industry experience. Prior to joining OSAIC, he worked at Securities America, Inc. and spent ten years at Mewbourne Oil Company. He is the president of Carrell Financial Services LLC, where he plans to offer life insurance policies. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party solutions to manage diversified portfolios on both discretionary and non-discretionary bases.

Mescal Smith is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Wells Fargo Advisors LLC during his career. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies, managing approximately $2.74 trillion in client assets.

Jani Cotton is a financial advisor with Primerica Advisors holding Series 65 and Series 63 credentials. She has over 18 years of professional experience including roles at Providence Sacred Heart Medical Center and Broadway Heights Dental. She has been with Primerica Financial Services since 2009 and joined PFS Investments Inc. in 2026. Primerica Advisors is a large firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers and supported by custodial and execution services from Pershing and BNY Mellon Advisors.

David Hutchinson is a CFP® certified financial advisor with 29 years of industry experience, currently practicing with Equitable Advisors since 1999. He previously worked under Axa Advisors, LLC until 2020, overlapping with his tenure at Equitable. Outside of his advisory role, he is involved with DABYN Wealth Strategies, LLC, where he acts as Attorney In Fact for his wife and business partner. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs. The firm utilizes a network of Investment Adviser Representatives and a combination of proprietary and third-party investment programs to tailor advice and portfolio management to client needs.

Asa Wolfe is a CFP® certificant with six years of industry experience, currently serving as a financial advisor at Primerica Advisors. His background includes service in the U.S. Army from 2017 to 2021 and entrepreneurship through ownership of a short- and long-term room rental business. Wolfe also holds a role as Events Director for the Kootenal County Young Professionals. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-driven investment strategies supported by third-party asset managers and focuses on scalable advisory services delivered through an extensive network of advisors.