Melissa Lewis is a financial advisor with UBS Financial Services in Boise, ID, holding Series 63 and Series 65 designations and six years of industry experience. She previously worked at Charles Schwab Bank and Charles Schwab from 2018 to 2021, as well as Mass Mutual Idaho and Sellin Advisor Group. Outside of her advisory role, she assists with operational functions in an automotive restoration company founded by her husband. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor investment plans. The firm combines wealth management services with institutional trading capabilities, including futures commission merchant activities and principal trading.

Zacharie Bethel is a financial advisor with Raymond James & Associates in Boise, ID, holding a Series 66 designation and bringing 16 years of industry experience. His prior experience includes roles at Cetera and Washington Trust Bank. Outside of his advisory work, he is an owner and landlord of rental real estate. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and charitable organizations, providing financial planning and non-discretionary investment consulting with a range of portfolio management styles and specialized services such as municipal advisory and SIMPLE IRA employer consulting.

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.

Joseph Ada is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior roles include positions at Bancwest Investment Services, Inc. and Fidelity Investments. Outside of his advisory work, he serves as treasurer for the Treasure Valley Youth Lacrosse League in Boise, Idaho. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

Brandon Baxter is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at BNY Mellon before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm employs structured planning tools and delivers services across diverse asset management and investment offerings.

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.

Joshua Hoisington is a CFP®-designated financial advisor with 20 years of industry experience. He is affiliated with LPL Financial and also works with Idaho Trust National Bank. His prior experience includes roles at Clearwater Advisors, LLC, and Marathon Advisors, Inc. 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 portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Bowen Ogata is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career at Merrill in July 2018 after completing the advisor training program. Bowen applies a comprehensive approach to wealth management, focusing on understanding each client's needs and goals to develop personalized financial strategies. He leverages the investment insights of Merrill Lynch Wealth Management alongside banking solutions from Bank of America to address various aspects of his clients' financial lives. Bowen's background includes playing collegiate baseball at the University of Illinois Chicago, where he earned a bachelor's degree in finance. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His areas of expertise encompass education planning, family wealth management strategies, legacy planning, liquidity management, retirement planning, portfolio management, and investment strategies for individuals and small businesses. In addition to his professional commitments, Bowen participates in community activities such as volunteering with Make-A-Wish. Outside of work, he enjoys hiking, skiing, fly-fishing, golfing, baseball, camping, fishing, football, hunting, and spending time with family and friends. He is also a member of Crane Creek Country Club.

Robert King is a financial advisor with Morgan Stanley in Boise, ID, holding Series 63 and Series 65 licenses. He has one year of industry experience and previously worked at Goldman Sachs, RBC Wealth Management, and other firms. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning arrangements.

Frank Erstad is a financial advisor with Mass Mutual Investors Services in Boise, ID, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at MML Investor Services Inc. and MassMutual Life Insurance Co. since 2008. Outside of his advisory role, he works as an agent with Erstad & Company, a firm focused on individual and group life and health insurance, assisting business owners with employee benefits, and also engages in insurance sales including health, group benefits, fixed life and annuities, long-term care, and disability insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, high-net-worth clients, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships that use firm-approved software to analyze client goals and deliver written recommendations.

Kurt Williams is the Resident Director and a Wealth Management Advisor at Merrill Lynch, where he leads the wealth-management team Williams, Jones & Associates. He works with clients nationwide, providing tailored financial planning and investment advisory services that address the unique needs and goals of families and individuals. Kurt's approach is grounded in a comprehensive understanding of wealth management, including risk tolerance, time horizon, liquidity needs, and investment objectives. Prior to joining Merrill in 2011, Kurt spent 12 years as a Certified Public Accountant, including seven years in forensic accounting at a Big Four accounting firm. This background influences his methodical approach to investing, risk management, and wealth transfer strategies. His team serves a diverse clientele ranging from business owners and entrepreneurs to executives and professionals, assisting them in areas such as business transitions, portfolio management, and intergenerational wealth transfer. Kurt holds a bachelor's degree in accounting from Washington State University and is a CERTIFIED FINANCIAL PLANNER™ certificant. He lives in Boise, Idaho with his wife, Lynne, and their three daughters. He serves on the boards of the Bishop Kelly Foundation and The John J. Creegan Foundation for St. Mary's School, Inc. Outside of work, he enjoys spending time with his family and running with his dogs in the foothills.

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.

Christopher Privon II is a financial advisor with Wells Fargo Clearing in Boise, ID. He holds a Series 66 designation and has been with Wells Fargo in various roles since 2016. Wells Fargo Advisors is a national securities firm that provides 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 and offers both brokerage and advisory solutions.

Kathryn Supko is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses. She has 41 years of industry experience, including eight years with Northwestern Mutual Investment Management before joining LPL Financial in 2010. She is also a notary public in Boise, ID. 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 and model portfolio programs, delivered through a large network of investment adviser representatives.

Julia Keltz is a financial advisor with Wells Fargo Clearing in Boise, ID, holding Series 63 and Series 66 credentials and 22 years of industry experience. She has been with Wells Fargo Clearing since 2016 and worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory role, she is involved as a wellness advocate training and hosting classes on essential oils and also works as a market partner consultant selling beauty products. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics to evaluate investment options and offers a variety of brokerage and advisory solutions.

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.