Michael Treinen is a CFP® with 17 years of experience in the financial services industry. He joined RBC Capital Markets in 2025 after a 16-year tenure at UBS Financial Services Inc. He serves as chairman of the board and finance committee member for the Idaho Catholic Foundation and is on the investment committee for the Mortar Board National Foundation. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored investment advisory programs and portfolio management services using a combination of in-house and third-party managers.

Erika Biggs is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Morgan Stanley and its Private Bank affiliate since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques in its advisory process.

Angela Stonesifer is a financial advisor with Raymond James Financial, holding a Series 66 designation and three years of industry experience. She has worked at Raymond James Financial Services since 2022 and previously worked with Backyard Living Source and Clipper Yacht Harbor. Outside of her advisory role, she serves as a Registered Client Associate at Bridgeway Wealth Services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning and consulting, using various analytical tools, and supports its clients through a broad network of advisors and affiliated firms.

Jeffrey Jenkins is a financial advisor at Edward Jones in Eagle, Idaho, with seven years of industry experience. He previously worked at Farmers Financial Solutions LLC and Farmers Insurance, and he holds Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Ruby Deboer is a financial advisor at Raymond James & Associates with six years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Raymond James since 2016. Prior to her advisory career, she spent eleven years at a Dental Care Center. Outside of finance, she is an officer and secretary of deBoer Drywall & Acoustical Co Inc., where she handles bookkeeping. Raymond James & Associates is a large, dually registered broker-dealer and 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 consulting services through various specialized programs.

Kobe Hood is a financial advisor with Ameriprise in Boise, ID, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked in various roles including at Life University and Meyers Police K9 Training. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver tailored, non-discretionary advice through a centralized consulting team.

Richard Holine is a CFP® professional with 31 years of industry experience, currently serving at Raymond James & Associates since 2006. He holds the Series 63 designation and is based in Eagle, Idaho. 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, non-discretionary investment consulting, and specialized municipal advisory services.

Burke Driscoll is Vice President and Branch Leader, responsible for leading and coaching a team of financial consultants. He focuses on helping clients understand their life goals and partners with them to develop plans aimed at achieving financial security. He has held various roles in the financial services industry, including Workplace Financial Consultant at Fidelity Investments from 2017 to 2025, Financial Consultant Solutions at Merrill Lynch in 2017, External Wholesaler at Protective Life from 2015 to 2017, Financial Consultant Solutions at Waddell and Reed Ivy Funds in 2015, Financial Advisor at UBS from 2003 to 2004, Financial Advisor at Smith Barney from 2000 to 2003, and Trading Desk Associate at Jack White and Associates from 1999 to 2000.

David Blaisdell is a financial advisor with Wells Fargo Clearing in Meridian, ID, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Outside of his advisory role, he holds a minority ownership stake in Mammoth Group LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Andrew Byron is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has worked with Cetera since 2021, following seven years at VOYA Financial Advisors and a lengthy tenure at Financial Educators of Idaho. Outside of his advisory career, Byron owns Andy Byron Music, a music promotion business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals across the wealth spectrum, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of investment programs, including discretionary and non-discretionary portfolio management and financial planning services.

Bret Hormuth is a Financial Consultant at Fidelity Investments, where he has been working since 2020. He focuses on collaborative financial planning to assist clients in working toward financial freedom, prioritizing their needs and goals to support retirement planning and beyond. Bret aims to build long-term, trusting relationships with clients and their families to serve as a primary resource for their financial needs. His professional experience spans several roles in the financial industry, including Senior Financial Consultant at TD Ameritrade from 2018 to 2020, Vice President Financial Consultant at Charles Schwab & Co. from 2013 to 2018, and Vice President Private Client Advisor at JP Morgan Securities from 2009 to 2013. He holds a California Insurance License. Outside of his professional work, Bret enjoys camping, family activities, fishing, music, outdoor adventures, and snowboarding.

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.

Wendy Larson is a financial advisor with Primerica Advisors in Nampa, ID, holding Series 63 and Series 65 credentials and five years of industry experience. She has been with Primerica Advisors since 2020 and has prior experience with Primerica Financial Services and various roles at Brigham Young University campuses. Larson also engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

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.

Philip Elliott is a financial advisor at LPL Financial with 15 years of experience. He holds Series 63 and Series 65 licenses and previously worked at SagePoint Financial for 13 years and OSAIC for one year. Outside of his advisory role, he is involved with PE Financial, Inc. and P & R Capital, LLC, two non-investment-related business entities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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.