Harmony Smith is a CFP® and holds a Series 66 license with seven years of industry experience. She is currently an advisor at Advisors Capital Management, LLC, joining the firm in 2026. Her prior experience includes roles at Ameriprise Financial Services, Springbrook Wealth Advisors, Bank of America, Merrill, and Baird Private Wealth Management. Advisors Capital Management serves a diverse client base, including individuals, employee benefit plans, and clients of unaffiliated broker-dealers and RIAs, providing discretionary portfolio management through customized private accounts, model strategies, and a self-directed brokerage solution for qualified retirement plans. The firm combines top-down macro analysis with bottom-up security selection across fundamental, quantitative, and qualitative approaches and manages over $8 billion in discretionary assets, emphasizing a scalable intermediary role.

Thomas Kerfoot is a financial advisor with The AmeriFlex Group, holding CFP® and ChFC® designations and over 16 years of industry experience. His prior roles include founding Kerfoot Wealth Management and working at Northwestern Mutual Investment Management. He also conducts insurance sales under Kerfoot Financial Services. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates. The firm offers customized portfolio management, financial planning, and retirement consulting solutions, utilizing model asset allocations and various manager relationships to meet client needs.

Jacob Richards is a financial advisor with Sequent Planning, LLC in Coeur d'Alene, ID, holding Series 63 and Series 65 licenses and having three years of industry experience. His prior roles include positions at Nationwide Investment Services Corporation and The Retirement Solution. Sequent Planning, LLC serves individuals—including high-net-worth clients—retirement plan sponsors, small and medium-sized businesses, endowments, and nonprofit organizations. The firm offers asset management, financial planning, and retirement plan services through a multi-team structure that employs diversified investment models and tax-aware strategies.

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.

Salvador Martinez is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and possessing 36 years of industry experience. He previously worked at Mariner Independent Advisor Network, LLC for 13 years and has been affiliated with LPL Financial for 14 years. Martinez operates Martinez Financial Group and the Sal Martinez Insurance Agency as additional business activities. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and access to a variety of advisory programs and managed account solutions. The firm employs a fiduciary-based advisory model that combines client goal assessment with selecting portfolio managers and model portfolios from recognized strategists.

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, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Ameritas Advisory Services since 2021 and also serves as president and owner of Falcon Investments and Insurance, Inc., a firm he founded in 1996. His work history includes roles with the Washington Air National Guard and the U.S. Air Force Reserve Personnel Center. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of portfolio management options and leverages multiple program platforms and third-party technology to deliver customized investment solutions.

Bryan Ross is a financial advisor with Stratos Wealth Partners, Ltd. He holds Series 63, 65, and 66 licenses and has 31 years of industry experience. Prior to joining Stratos Wealth Partners in 2022, Ross worked with Wells Fargo Advisors and Wells Fargo Clearing. In addition to his advisory work, he is also a sculptor and artist operating Bryan K Ross Studios. Stratos Wealth Partners is an SEC-registered enterprise firm with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse range of clients, including high-net-worth individuals, retirement plans, corporations, nonprofits, and other institutions, offering a broad set of advisory services through an open-architecture platform and a predominantly IAR-driven business model.

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 holds a Series 65 license, with 16 years of industry experience. He has been with Creative Planning since 2015 and is based in Coeur d'Alene, ID. Outside of his advisory role, he is 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 and ultra-affluent individuals, as well as institutions. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies, supplemented by selective private market exposure and specialized retirement plan services.

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 a Series 66 designation and has a background that includes service in the U.S. Army from 2016 to 2023 and a brief period at Golden Rule Construction. Outside of his advisory work, he is the vice president of Chapter 43 of the Special Forces Association, a nonprofit organization, 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, individual investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and specialized wealth programs, operating under fiduciary standards and utilizing both qualitative and quantitative analysis in their investment recommendations.

Philip Hedrick is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior roles include positions at Arbor Point Advisors, Securities America, KMS Financial Services, and Northwest Capital Management. Osaic Advisory Services, LLC serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, trusts, and charitable organizations. The firm offers a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, employing multiple program models and utilizing custodians like Schwab and Fidelity.

Jennifer Johnson is a Series 66-licensed financial advisor at D.A. Davidson & Co. with 11 years of industry experience. She has been with D.A. Davidson since 2013. Outside of her advisory role, she is a notary for her firm and participates as a Stampin’ Up demonstrator for personal use. 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 offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, equity research, and a Private Wealth program for clients with more than $20 million in net worth, while adhering to fiduciary standards and employing both qualitative and quantitative investment analysis.

Roger Rowe is a CFP® professional with 27 years of experience in financial advisory. He is currently with Focus Partners Wealth, LLC and has held prior roles at The Colony Group, Buckingham Strategic Wealth, UBS Financial Services, Barclays Capital, and other firms. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, and institutional clients, offering comprehensive wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies within an enhanced open architecture framework.

Joel Bowlby is a Series 66-licensed advisor with D.A. Davidson & Co., based in Coeur D'Alene, ID, with 19 years of industry experience. He has been with D.A. Davidson & Co. for 17 years. Outside of his advisory role, Bowlby serves as President of the Board of Directors for Summit Christian Academy. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm operates under fiduciary standards and offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and a Private Wealth program for high-net-worth clients.

David Andersen is a financial advisor at Centaurus Financial, Inc. with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Centaurus Financial since 2015. 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 through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing a variety of analytical approaches and both discretionary and non-discretionary arrangements.