Jeffrey Hoyer is a financial advisor with LPL Financial in Whitefish, MT, holding Series 63 and Series 65 designations and possessing 41 years of industry experience. He worked at Investment Centers of America, Inc. for 28 years before joining LPL Financial in 2017. Outside of finance, he owns a scuba-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and corporations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

V Carbo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on a disciplined and holistic wealth management approach, taking the time to understand each client's goals, family and business requirements, liabilities, and financial cash flows before making financial decisions. This comprehensive understanding enables him to guide clients in defining objectives, developing strategies, and recommending solutions to help them reach their individual goals. V Carbo works with individuals, families, corporations, business owners, and employees. He began his career in the financial services industry in 1986 at Salomon Brothers, Inc. In 2001, he served as Chief Operating Officer of My CFO Investment Advisor Services, contributing to the development of a complete wealth management approach for ultra-high net worth clients. He launched his private client practice with UBS in 2004 and joined Merrill Lynch Wealth Management in 2008. He holds a Bachelor's Degree from Montclair State University and is a Personal Investment Advisor (PIA). V Carbo lives in Whitefish with his family and is a member of the North Valley Music School in Whitefish.

Jillian Wermling is a Series 66 licensed financial advisor with 19 years of industry experience, currently practicing at LPL Financial since 2012. She operates in Whitefish, MT, and has been involved in direct sales of health products through CALE Enterprises, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, various advisory programs, and retirement plan consulting using both discretionary and non-discretionary management supported by in-house and third-party research.

Joel Pemberton is a financial advisor with Edward Jones in Whitefish, MT, holding the ChFC® and Series 66 designations and having 15 years of industry experience. He has been with Edward Jones since 2010. Outside of his advisory role, he is involved in managing a ski condo rental property. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional investors, with over $1 trillion in assets under management and a large nationwide network of financial advisors.

Jeffrey Mase is a financial advisor at OSAIC with 25 years of industry experience. He holds the Series 66 designation and has previously worked at FSC Securities Corporation and Csenge Advisory Group, LLC. Outside of his advisory role, he is the owner of Wealth and Health Solutions Inc., which sells life, accident, and health insurance as well as fixed annuities, and he serves as president of the Knights of Columbus, a nonprofit organization in Whitefish, MT. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers comprehensive brokerage and advisory services and employs various asset-allocation and portfolio management tools across multiple investment platforms.

Bradley Dartez is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving business owners, entrepreneurs, and executives. He provides customized financial strategies and careful implementation tailored to each client’s unique circumstances. Bradley emphasizes the importance of pairing sound advice with purposeful execution to help clients simplify and manage the complexities associated with significant wealth. Since beginning his wealth management career in 2009, Bradley has gained extensive experience in areas including executive compensation strategies, portfolio management, liquidity management, and family wealth planning. He focuses on offering practical, in-depth analysis to address his clients’ financial goals, particularly those anticipating major business transitions or needing comprehensive planning for credit, cash flow, and wealth transfer. Bradley holds several professional designations, including Chartered Financial Consultant (ChFC), Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Bradley’s interests include biking, fishing, hiking, hunting, running, skiing, traveling, and spending time with his family. He is committed to a client-focused approach that combines strategy, diligence, and transparency to support clients as they pursue their financial objectives.

Jacob Armstrong is a financial advisor at Edward Jones in Whitefish, MT, holding a Series 66 designation with 14 years of industry experience. He has been with Edward Jones since 2011. Outside of his advisory work, he owns a rental property managed through a property management company. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management and a network of over 23,000 financial advisors. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Keith Haas is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He previously worked at Investment Centers of America, Inc. for 29 years before joining LPL Financial in 2017. Outside of his advisory role, he is co-owner of two businesses, Haas & Associates Inc. and Haas and Haas, LLC. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

Daniel Offutt is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Cetera Investment Adviser LLC since 2001 and Cetera Financial Specialists LLC since 2000. Outside of his advisory role, he owns an accounting practice focused on accounting and tax preparation. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets.

Bryce Jenkins is a CFP®-certified financial advisor with 13 years of industry experience, currently with LPL Financial since 2023. His prior experience includes roles at Ashworth Wealth LLC, Royal Alliance, Ashworth & Empey Financial LLC, and Fidelity Investments. He is involved with SLOPESTYLE FINANCIAL, a separate business entity for tax and investment purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by proprietary research and third-party subadvisors, providing both discretionary and non-discretionary management options.

Scott Miller is a financial advisor at Raymond James & Associates with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

Ronald Hauf is a financial advisor with OSAIC in Whitefish, MT, holding Series 63 and Series 65 licenses and 41 years of industry experience. His prior roles include positions at Securities America Advisors, Inc. and Securities Service Network, Inc. He serves on the board of Freedom Bank, a community bank in Columbia Falls, MT, a role he has held since 2004. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a focus on asset allocation and portfolio management using a variety of investment vehicles and third-party solutions.

Daniel Short is a financial advisor at Merrill with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1997. Prior to and concurrent with his role at Merrill, he has worked at Bank of America, N.A. since 2011. Merrill provides managed account services through its Select Portfolio Solutions (SPS) Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Robert Hendricks is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Wells Fargo in 2023, he worked at Bank of America for 12 years. Outside of his advisory role, he owns and manages a rental property in Bonney Lake, Washington. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial products than typical institutional advisers.

Shams Deitrick is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior experience includes over a decade at Raymond James & Associates before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using proprietary tools and analyses.

Todd Sylvester is a Wealth Management Advisor and founder of the Duddingston Sylvester Group at Merrill Lynch Wealth Management. He brings over two decades of experience advising senior executives and their families on managing, preserving, and stewarding their wealth. His expertise includes executive and equity compensation, such as stock options, restricted stock units, performance awards, and employee stock purchase plans. Todd also focuses on long-term wealth planning, family wealth management strategies, liquidity management, personal retirement planning, and retirement income. Todd began his career in wealth management in 1999 at UBS, gaining experience in corporate stock management and benefits consulting. He later served as Senior Vice President and Wealth Advisor at Morgan Stanley before joining Merrill Lynch in 2014. He holds a Bachelor's degree in Finance from Saint John's University and maintains professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Outside of his professional work, Todd has held volunteer leadership roles, including serving on the Board of the Children’s Home Society of Minnesota and the Lutheran Social Services of Minnesota Foundation Board, where he served as Chair, Treasurer, and committee member. He grew up in Grand Rapids, Minnesota, and currently lives in Orono with his wife and two children. In their free time, Todd and his family enjoy exploring the mountains of Montana.

Benjamin Sansaver is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In his role, he works with clients to develop personalized investment strategies that reflect their individual goals and priorities. He also provides access to Bank of America products for banking and lending needs. Benjamin holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Montana System. His approach focuses on understanding what matters most to clients and their families to create tailored financial plans.