Dulcie Docherty Corletto is a financial advisor with Primerica Advisors in Meridian, ID, holding Series 65 and Series 63 designations and 11 years of industry experience. Her career includes roles at Primerica Financial Services and BO Enterprises, where she was involved in home improvement sales. Outside of advisory work, she is engaged in sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven strategies managed by unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Steven Peters is a Series 66-credentialed financial advisor with Raymond James & Associates, based in Boise, ID, and has 27 years of industry experience. He has been with Raymond James & Associates since 2006 and has also worked with the Boise School District since 2025. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and investment consulting with a range of portfolio management styles and research resources.

Kellie Frasher is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at various Wells Fargo entities since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment options, using proprietary research and planning tools to develop tailored client recommendations.

Wendy Barrington is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 66 designation and is based in Nampa, ID. Barrington has been with Edward Jones since 2012. 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, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices.

Andrew Baber is a financial advisor with Edward Jones in Boise, ID, holding a Series 63 designation and 37 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1989. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate clients. The firm offers a broad range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a large network of advisors and branch offices nationwide.

Scott Carter is a financial advisor with LPL Financial in Eagle, Idaho, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Raymond James & Associates, Morgan Stanley, Wells Fargo Clearing, and Prudential Equity Group. In addition to advising, he is the author of a book titled *Money Management for the Faithful*. 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 and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational tools and a large network of over 22,800 advisors.

Duane Richter is a financial advisor at Morgan Stanley with 16 years of industry experience and holds a Series 66 designation. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, City National Bank, and RBC Capital Markets. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Kerry Peltier is a financial advisor at Merrill with 4 years of industry experience. He holds a Series 66 designation and previously worked at OMCS for 9 years before joining Merrill in 2024. Merrill, together 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Christopher Ravlin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 24 years of industry experience. He previously worked at Ameriprise, Wells Fargo Clearing, and Wells Fargo Advisors LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Dennis Koch is a Series 66-credentialed financial advisor with 18 years of industry experience, currently with J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2012 and previously at Thrivent Investment Management. Outside of his advisory role, he serves as a lacrosse coach and directs the Treasure Valley Golf Tour, organizing events and leading meetings for the tour. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in their recommendations.

Randy Anderson is a Certified Financial Planner (CFP®) with 29 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2020 and previously worked at UBS Financial Services from 2012 to 2020. He is based in Boise, ID. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services such as fee-based financial planning and wrap programs. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group that provides forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Michael Spiedel is a financial advisor with UBS Financial Services in Boise, ID, holding a Series 66 designation and 19 years of industry experience. He has been with UBS Financial Services since 2009. Outside of his advisory role, he has a personal ownership interest in agricultural land in North Dakota that he rents to a local farmer. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations with institutional trading capabilities and wealth management offerings.

Michael Everett is a financial advisor with LPL Financial in Boise, ID, holding a Series 66 designation and 24 years of industry experience. His prior firms include Invest Financial Corp., D.A. Davidson & Co., and Morgan Stanley DW Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, combining advisory services with various non-advisory financial products and partnerships.

Bryan Kulp is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at First Tech Federal Credit Union and Raymond James Financial Services since 2015. Outside of his advisory roles, he is involved with Addison Avenue Investment Services as an associate. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Christian Klein is a financial advisor with Edward Jones in Meridian, Idaho, holding Series 66 and Series 63 licenses and bringing 26 years of industry experience. He has been with Edward Jones since 2000. Klein is also a member of several family-related real estate investment entities, including Visionary Ventures LLC and Lakeview Legacy LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients across various segments. The firm offers a wide range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Ted Beck is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2023. He partners with clients to understand their short- and long-term financial goals and helps build customized financial plans tailored to their unique needs. Ted places a strong emphasis on forming and maintaining relationships with clients and their families, prioritizing trust, reliability, and competency. Ted has extensive experience in the financial services industry, having held various roles at Fidelity Investments since 2005, including Portfolio Specialist, Retirement Relationship Manager, Investment Solution Representative, Stock Plan Services, and Financial Representative. Prior to joining Fidelity, he worked as a Sales Representative at Northwestern Mutual from 2003 to 2005. He holds a California Insurance License. Outside of his professional work, Ted enjoys fishing, fitness, military service, outdoor adventures, skiing, and soccer.

Sarah Wilder is a financial advisor at Edward Jones in Boise, ID, holding a Series 66 designation and has been with the firm since 2016. She has 10 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Green is a financial advisor with Wells Fargo Clearing in Boise, ID, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and concurrently with Wells Fargo Bank, NA since 2016. Outside of his advisory role, he is involved in audio and music production as the owner of Beyond Conviction Records LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services grounded in modern portfolio theory. The firm’s advisory process emphasizes tailored investment strategies and includes a broad range of financial products beyond typical institutional offerings.

George Cadwell is a financial advisor with Morgan Stanley in Boise, ID, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career at Morgan Stanley spans multiple entities since 1998, including Morgan Stanley Private Bank, N.A. outside of his primary advisory roles. Outside of his advisory work, he is a partner in C & L Family Farms, an agricultural business, and a 20% owner of 1.3900 Overland LLC, a commercial real estate investment group. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, with investment guidance informed by the Global Investment Committee’s research and modeling techniques.

Jason Rowe is a financial advisor with Fidelity Investments holding Series 63 and Series 66 licenses and seven years of industry experience. He has been affiliated with various Fidelity entities since 2017, most recently with Fidelity Investments since 2025. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to build model portfolios from a broad investable universe, and it maintains a formal advisory role to multiple registered investment companies and fund-of-funds.