Thomas Kerfoot is a CFP® and ChFC® with 16 years of industry experience. He is currently with The AmeriFlex Group and has operated Kerfoot Wealth Management, LLC, and Thomas P. Kerfoot dba Kerfoot Financial Services since 2012. Outside of advisory services, he is involved in insurance sales through his business, Kerfoot Financial Services. The AmeriFlex Group provides investment advice and related services to individuals, corporations, employee benefit plans, and charitable organizations. The firm offers portfolio management, financial planning, third-party money manager selection and monitoring, and retirement plan consulting, delivering services through a network of advisory affiliates and multiple program platforms.

Richard Van Zandt is a financial advisor at Wealthcare Capital Management LLC with 19 years of industry experience. He holds the PFS™ designation and Series 66 license and has been with Wealthcare Capital Management since 2011. He also operates VAN ZANDT FINANCIAL SERVICES PLLC, providing tax preparation, accounting, and bookkeeping services. Wealthcare Capital Management LLC is a multi-team SEC-registered investment adviser managing approximately $3.93 billion for over 5,600 clients through a team of 33 advisors. The firm offers comprehensive financial planning and discretionary portfolio management for individual and high-net-worth clients, as well as retirement plan advisory and investment strategist/model services to intermediaries, utilizing a long-term, evidence-based investment approach.

Cortino Garcia is a financial advisor at Centaurus Financial, Inc. with 13 years of industry experience. He holds a Series 66 credential and previously worked at Independent Financial Group, LLC. Outside of his advisory role, Garcia serves as treasurer for the Southwest Idaho Cycling Association and coaches endurance sport athletes through his own business, Citius Sport, LLC. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers both discretionary and non-discretionary portfolio management, employing a mix of fundamental and technical analysis, and provides specialized services such as retirement-plan consulting and advisory management of annuity and variable life sub-accounts.

Abigail Allsup is a Series 66-licensed financial advisor with six years of industry experience. She has worked at Sanctuary Advisors, LLC and Sanctuary Securities, Inc. since 2026, following an 11-year tenure at UBS Financial Services. Sanctuary Advisors, LLC serves a diverse client base including individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm offers portfolio management, financial planning, retirement plan consulting, and adviser selection through a network of over 400 independent investment adviser representatives.

Todd Banducci is a financial advisor with Ameritas Advisory Services, LLC and holds Series 63 and Series 66 licenses. He has 32 years of industry experience, including military service with the Washington Air National Guard and U.S. Air Force Reserve, and has been involved in investment and insurance businesses such as Falcon Investments and Capstone Financial Group. He is president and owner of Falcon Investments and Insurance, Inc. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers a variety of discretionary and non-discretionary programs that combine in-house and third-party investment management, with a platform approach integrating Ameritas affiliates and financial institutions.

Bryan Ross is a financial advisor with Stratos Wealth Partners, Ltd, holding Series 63, 65, and 66 licenses and over 31 years of industry experience. He has worked at Stratos Wealth Partners and LPL Financial since 2022, and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors from 2012 to 2022. Outside of his advisory work, Ross is also a sculptor and artist based in Sagle, ID. Stratos Wealth Partners, Ltd is an SEC-registered enterprise wealth management firm serving more than 24,000 clients with approximately $18.6 billion in assets under management. The firm offers both advisor-managed and model-based investment strategies through a network of independent investment adviser representatives using an open-architecture approach that integrates multiple platforms and third-party managers.

Jody Nunez is a financial advisor at Centaurus Financial, Inc. with 32 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Ameritas Advisory Services, LLC and Ameritas Investment Corp among other firms. Outside of advising, he serves as president of American Capital Tactics, a non-investment related business, and teaches workshops for business owners and executives through the Business Strategy Institute. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, and institutions. The firm offers a range of financial planning and portfolio management services utilizing both discretionary and non-discretionary arrangements.

Andreas Johnson is a CFP® and Series 65-licensed financial advisor with 15 years of industry experience. He has been with Creative Planning since 2015. Outside of his advisory work, he is involved as an LLC member and CFO of Fired Up Products, a company that creates and sells fire starter products. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach featuring low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Lawrence Lee is a CFP® with 37 years of industry experience, currently serving at Centaurus Financial, Inc. since 2022. Prior to this, he worked for over 16 years at Kalos Management Inc. and Kalos Capital, Inc., and has operated Lee Financial Services since 1986, where he provides tax preparation, payroll services, and insurance product sales. Centaurus Financial, Inc. offers advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm provides financial planning and portfolio management through the CLASSIC Plus platform, employing a mix of fundamental and technical analysis, with options for discretionary and non-discretionary management.

Christine Schader is a financial advisor with Eagle Strategies (New York Life) based in Coeur d'Alene, Idaho. She holds Series 63 and Series 66 licenses and has 19 years of industry experience. Christine is also the owner of SoulTuned LLC, where she works as a life and happiness inspirational speaker, coach, and author of *The Happiness Connection*. Eagle Strategies serves a diverse client base including individuals, institutional investors, and retirement plans, providing financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored advice through multiple program types, emphasizing non-discretionary asset management and fiduciary responsibilities for retirement investors.

John Adams is a financial advisor with Centaurus Financial, Inc., holding the CFP® designation and Series 63 and 66 licenses. He has 25 years of industry experience, all with Centaurus Financial since 2000. Adams is also the founder and managing partner of Alpha III Taxguard, where he works on tax mitigation strategies involving highly appreciated assets. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, and retirement-plan consulting through a variety of platforms and employs both discretionary and non-discretionary management strategies.

Jarad Balch is a financial advisor at D.A. Davidson & Co. with two years of industry experience. He holds the Series 66 designation and previously served in the U.S. Army for seven years. Outside of his advisory role, Balch is the vice president of the Special Forces Association Chapter 43, where he helps manage operations and organize events. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, high-net-worth individuals, and charitable organizations. The firm operates under fiduciary standards and offers a range of services such as ERISA plan advisory, comprehensive financial planning, and a Private Wealth program for clients with over $20 million in net worth.

Philip Hedrick is a financial advisor with OSAIC Advisory Services, LLC, holding Series 63 and Series 65 credentials and possessing 36 years of industry experience. His prior work includes roles at Arbor Point Advisors, Securities America, Inc., KMS Financial Services, Inc., and Northwest Capital Management Inc. OSAIC Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension plans, corporations, trusts, charitable organizations, and governmental entities. The firm provides investment management, financial planning, retirement plan consulting, and related services through multiple program models, utilizing proprietary guidance and third-party platforms.

Jennifer Johnson is a financial advisor with D.A. Davidson & Co. in Coeur D'Alene, ID, holding a Series 66 designation and 10 years of industry experience. She has been with D.A. Davidson & Co. since 2013. Outside of her advisory role, she is a notary who notarizes documents for her firm and participates as a demonstrator for Stampin' Up for personal use. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA plan advisory, comprehensive financial planning, and a private wealth program, operating under fiduciary standards and employing both qualitative and quantitative analysis in its investment recommendations.

Roger Rowe is a CFP® professional with 27 years of industry experience. He is currently with Focus Partners Wealth, LLC and has held roles at The Colony Group, Buckingham Strategic Wealth, Foreside Financial Services, Loring Ward Securities, and UBS Financial Services. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that emphasizes tax- and fee-sensitivity within an enhanced open architecture framework combining active and passive strategies, separate account managers, private funds, mutual funds, and ETFs.

Joel Bowlby is a financial advisor at D.A. Davidson & Co. with 18 years of industry experience. He holds a Series 66 designation and has been with D.A. Davidson since 2009. Outside of his advisory role, he serves as the President of the Board of Directors for Summit Christian Academy in Coeur d'Alene, Idaho. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers various services such as ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth.

David Andersen is a financial advisor at Centaurus Financial, Inc. with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Centaurus Financial since 2015. Centaurus Financial provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of financial planning and portfolio management services through its CLASSIC Plus platform, employing both discretionary and non-discretionary arrangements and utilizing a mix of fundamental, technical, bottom-up, and top-down analysis.

Nathaniel Whalen is a financial advisor at D.A. Davidson & Co. with three years of industry experience. He holds the Series 66 and Series 63 designations. His prior work includes roles at Packard Wheeler Succession, Charles Schwab & Co., and Bass Pro Shops/Cabela's. D.A. Davidson & Co. provides investment advisory and brokerage services to individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm offers a range of services including ERISA retirement plan advisory, comprehensive financial planning, and private wealth programs, operating under fiduciary standards and utilizing both qualitative and quantitative analysis in its investment approach.

Kirk Barnard is a financial advisor with Centaurus Financial, Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining Centaurus Financial, he spent 15 years as a personal fitness trainer and currently operates The Mecca Gym. Centaurus Financial, Inc. provides advisory and brokerage services to a wide range of clients, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, and specialized services through both discretionary and non-discretionary arrangements, utilizing a variety of investment analysis techniques and third-party management options.

Natosha Duboise is a financial advisor at D.A. Davidson & Co. with 18 years at the firm and 8 years of industry experience. She holds a Series 66 designation. Outside of advisory services, she serves as a Notary Public for the State of Idaho. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, and charitable organizations. The firm offers services under fiduciary standards, utilizing both qualitative and quantitative analysis, and provides specialized solutions such as municipal advising and a Private Wealth planning program for high-net-worth clients.