Jonathan Ludeman is a CFP® with 20 years of industry experience, currently affiliated with United Planners Financial Services of America, where he has worked since 2022. He previously worked at Centaurus Financial, Inc. for ten years and has operated his own advisory and capital management businesses since 2005. Outside of financial advising, he owns Blue Heron Hill Farm in Ferndale, WA. United Planners Financial Services serves a diverse client base including individuals, corporations, retirement plans, and institutional clients, offering financial planning, portfolio management, retirement services, and brokerage solutions through a network of 477 independent advisors. The firm uses an open-architecture platform with multiple custodians and supports both fee-based and commission-based arrangements.

Bradley Sim is a financial advisor at Farther with 10 years of industry experience. He holds a Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. and Edward Jones. Outside of his advisory role, he is a property owner and manager of a residential rental house in Sumas, Washington. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform, offering discretionary investment management, retirement plan consulting, and non-discretionary recommendations for private investment funds. The firm employs an investment approach based on Modern Portfolio Theory, using bespoke allocations and proprietary algorithmic model portfolios with automatic rebalancing.

Preston Karraker is a financial advisor with Eagle Strategies (NY Life) and holds a Series 66 designation. He has two years of industry experience, including roles at Eagle Strategies LLC, NYLIFE Securities LLC, and Lewis & Bluhm Financial Group, LLC. Eagle Strategies serves a diverse client base, including individual and institutional investors, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored solutions through multiple program types and manages the majority of its assets on a non-discretionary basis.

Heidi Ludeman is a Series 66-licensed financial advisor with 19 years of industry experience. She is currently with United Planners Financial Services of America, where she has worked since 2022. Her prior experience includes roles at Centaurus Financial, Inc., and Ludeman Capital Management, Inc. Outside of her advisory work, she owns and operates Blue Heron Hill Farm in Ferndale, Washington. United Planners Financial Services is a national wealth-management enterprise serving a broad range of clients, including individual investors, retirement plans, and institutional clients. The firm offers advisory and brokerage services delivered through independent representatives and emphasizes primarily non-discretionary account management.

Richard Rosbach is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and bringing 23 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Nicholas La Vigne is a financial advisor at Edward Jones in Ferndale, WA, with three years of industry experience. He holds a Series 66 designation and previously worked for Sound Beverage Distributors for 19 years before joining Edward Jones. 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 large nationwide network of advisors and branch offices.

Samuel Wensink is a financial advisor at LPL Financial with nine years of industry experience. He holds the CFP®, CFA®, and Series 66 designations. Prior to joining LPL Financial in 2024, he worked at Money Concepts Capital Corp and Money Concepts from 2016 to 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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 in-house and third-party research.

Ruan Esterhuysen is a financial advisor with LPL Financial in Ferndale, WA, holding Series 65 and Series 63 licenses and three years of industry experience. Prior to joining LPL Financial, Esterhuysen worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Outside of his advisory role, he serves as treasurer for Mt Baker Bibleway Camp and is a board member of Bible Believers of Washington. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services supported by research, model portfolios, and technology-driven strategies.

Marley Schiavone is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and two years of industry experience. Marley has worked with Thrivent and its affiliated firms since 2021 and previously was involved with Locker Room Fitness, LLC. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing comprehensive written recommendations on a range of financial planning topics. The firm emphasizes goal-based analyses and separates planning services from managed-account programs.

Jenson Ellars is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and previously worked in hospitality and education before joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 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.

Israel Jacob is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His career includes over two decades at LPL Financial with a period at Raymond James Financial Services Advisors Inc. He is also involved with KJ Wealth Group LLC, a business entity for tax and investment purposes unrelated to his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, 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 and providing access to model portfolios, research, and various wealth management technologies.

Terrell Goertz is a CFP® and ChFC® credentialed financial advisor with Edward Jones, based in Blaine, WA. He has 34 years of industry experience, including 30 years with Edward D. Jones & Co., L.P. Since 2013, he has participated on the Finance Committee of Whatcom Lodge #151 Free and Accepted Masons in Bellingham, WA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds. The firm is notable for its extensive network of advisors and branches, as well as its affiliated trust and securities-based lending services.

Kathryn Starkovich is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and 21 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. She serves as a board member for Habitat for Humanity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market research.

Jackson Phillips is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and previously worked at Independent Financial Group for seven years. Outside of his advisory role, he is involved with JD Phillips & Associates, a business related to his LPL activities. 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 advisory programs, financial planning, and retirement plan consulting, with access to various model portfolios and research resources.

Brett Hendricks is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2007. Outside of his advisory role, he is a passive investor and manager in RKB Holdings, LLC, a real estate holding company. Edward Jones is a full-service wealth management firm serving individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a wide range of advisory programs and investment strategies through a large network of financial advisors and branch offices.

Kristen Drummond is a financial advisor with Edward Jones, holding a Series 66 designation and bringing one year of industry experience. Her prior roles include positions with Guide Insurance Services and the Washington State Department of Children, Youth and Families. Edward Jones is a full-service wealth management firm serving over four million clients, including individual, institutional, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of investment strategies through a nationwide network of more than 23,000 financial advisors.

Hunter Weinert is a financial advisor at LPL Financial with a Series 66 designation and seven years of industry experience. His prior work includes roles at Edward Jones and The Planning Firm, among others. Weinert also holds a CPA license, although he is not currently active in that capacity. 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 discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Keith Hamilton is a CFP® with 25 years of experience in the financial services industry. He has worked at LPL Financial since 2017 and previously spent eight years at Ameriprise Financial Services. In addition to his advisory role, he is involved in a family business selling used books and merchandise online. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and model portfolios, providing both discretionary and non-discretionary management options.

Dale Aune is a financial advisor at Edward Jones in Blaine, WA, holding a Series 66 designation and bringing two years of industry experience. Prior to joining Edward Jones, he worked for VECA Electric for 17 years. Outside of his advisory role, he is involved in managing rental properties through his ownership of residential units in Ferndale and Bellingham, Washington. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment and advisory solutions. The firm manages over $1 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Shu Chun Balogh is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. Prior to joining LPL Financial in 2021, Balogh worked with Whitener Inc, Waddell & Reed, Inc, and Securities America, Inc. Outside of finance, Balogh has been involved with the Scenic Retreat Cafes LLC, operating II Caffe Rifugio. 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 advisory programs, financial planning, and brokerage services, supported by research and model portfolios from LPL Research and third-party subadvisors.