Andrew Byron is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has worked with Cetera since 2021, following seven years at VOYA Financial Advisors and a lengthy tenure at Financial Educators of Idaho. Outside of his advisory career, Byron owns Andy Byron Music, a music promotion business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals across the wealth spectrum, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of investment programs, including discretionary and non-discretionary portfolio management and financial planning services.

Bret Hormuth is a Financial Consultant at Fidelity Investments, where he has been working since 2020. He focuses on collaborative financial planning to assist clients in working toward financial freedom, prioritizing their needs and goals to support retirement planning and beyond. Bret aims to build long-term, trusting relationships with clients and their families to serve as a primary resource for their financial needs. His professional experience spans several roles in the financial industry, including Senior Financial Consultant at TD Ameritrade from 2018 to 2020, Vice President Financial Consultant at Charles Schwab & Co. from 2013 to 2018, and Vice President Private Client Advisor at JP Morgan Securities from 2009 to 2013. He holds a California Insurance License. Outside of his professional work, Bret enjoys camping, family activities, fishing, music, outdoor adventures, and snowboarding.

Wendy Larson is a financial advisor with Primerica Advisors in Meridian, Idaho, holding Series 63 and Series 65 licenses with six years of industry experience. She has worked at Primerica Advisors since 2020 and held various positions within the Brigham Young University system from 2015 to 2020. Outside of advisory work, she is involved in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors manages a wrap-fee asset management program that primarily serves 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 strategies managed by unaffiliated asset managers and supports clients with trade execution and custody services through established financial institutions.

Saul Gutierrez is a financial advisor with Fidelity in Boise, ID, holding Series 63 and Series 66 licenses and having two years of industry experience. Prior to joining Fidelity, he worked at CarMAX for seventeen years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios, and maintains roles with registered investment companies and fund-of-funds.

Philip Elliott is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at OSAIC and SagePoint Financial. Outside of his advisory role, he is involved with non-investment entities such as PE Financial, Inc. and P & R Capital, LLC. 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 financial planning and investment solutions, including access to model portfolios, third-party asset management, and institutional platforms.

George Lambrix Jr. is a financial advisor with Mass Mutual Investors Services and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 41 years of industry experience, having worked with MML Investors Services, Inc. and MassMutual Life Insurance Company since 1984. In addition to his advisory role, he is also an insurance agent specializing in life and health insurance. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides structured, collaborative financial planning engagements using firm-approved software and offers event-driven planning programs in areas such as divorce and estate settlement.

Ann Smith is a Series 66-licensed financial advisor with Edward Jones in Caldwell, ID, bringing four years of industry experience. She previously held positions at Edward Jones from 2007 to 2021 and resumed her current role in 2021. Outside of her advisory work, she owns Smith Performance Horses, an agricultural business involved in riding and trading horses. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment options, managing over $1 trillion in assets through a large national network of advisors and branches.

Andrew Stosich is a financial advisor at Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and is based in Eagle, Idaho. Stosich has prior experience in various roles outside of finance, including work with Idaho Angler and other local businesses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Johnny Chacartegui is a financial advisor at Raymond James Financial with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Raymond James Financial Services since 2008. Additionally, he has been involved in insurance sales for life and long-term care products since 2011. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Matthew Wade is a financial advisor with Edward Jones in Nampa, Idaho, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a broad range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

John Anderson is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with LPL Financial and First Interstate Bank, having previously worked at Edward Jones, Western Wealth Management LLC, USAA Financial Advisors, and Wells Fargo Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a broad network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Chase Di Monda is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he was involved in construction and homebuilding companies and operated Specialty Woodwork and Drywall LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment and advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Jonathan Searle is a Chartered Financial Consultant (ChFC®) with 11 years of industry experience. He is currently with LPL Financial and has previously worked at Northwestern Mutual in various capacities, including wealth management and investment services. 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 financial planning and investment management services utilizing model portfolios, third-party subadvisors, and customized strategies.

Joseph Loeffler is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is the sole owner of Joe Shield Chill, a manufacturing and sales business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services that include but are not limited to wealth management, financial planning, and investment strategies.

Kevin Wang is a financial advisor with UBS Financial Services in Boise, ID, holding a Series 66 designation and 12 years of industry experience. He has worked at UBS since 2013 and is also involved as a swim coach with the Treasure Valley YMCA. Outside of advising, he serves on the board of directors for Collister Church, contributing to community and program decisions. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and advisory services, offering fee-based financial planning, portfolio management, and access to a wide range of investment products. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and models to tailor client solutions.

Thomas Killingsworth is a CFP®-certified financial advisor with 26 years of industry experience. He has worked at Raymond James & Associates since 2021 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Killingsworth serves as a board member and chair of the Investment Subcommittee for the Idaho Community Foundation, overseeing the foundation’s endowed funds. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves individuals, institutions, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jacob Sestero is a financial advisor at RBC Capital Markets with two years of industry experience. He holds a Series 66 designation and previously worked for over a decade at Bandon Dunes Golf Resort. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s risk profile.

Lisa Schaffer is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 designations and 26 years of industry experience. She has previously worked at Merrill, Wells Fargo Clearing, and Wells Fargo Advisors LLC. 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 variety of wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Micah Wood is a financial advisor at Primerica Advisors with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica Advisors and Primerica Financial Services since 2020. Outside of his advisory role, he owns Summit View Landscape, LLC, a landscaping business based in Garden City, ID. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Jesse Woods is a financial advisor with Osaic Wealth, Inc. in Meridian, ID, holding CFP® and Series 66 credentials and bringing six years of industry experience. He previously worked at Lincoln Financial Advisors and is a general partner involved in the back office and marketing activities of a construction company. Additionally, he provides non-securities-related notary services. Osaic Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a range of investment options and tools, supporting both discretionary and non-discretionary account management.