Kenneth Smith is a financial advisor at Ameriprise with 18 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2007. Outside of his advisory role, he owns Aymen Publications, a publishing business, and Aymen Leadership Coaching, a consulting practice. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm provides tailored, research-driven recommendations through a centralized consulting team, combining modeling and tax-efficiency analysis to support clients’ income planning needs.

Elizabeth Carbajal is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones in 2024, she worked at Teksystems Global Service and Zulily LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment solutions supported by a large network of advisors and branch offices across the country.

Kevin Smith is a financial advisor with Ameriprise in Seattle, WA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as president of PSWS Operations, LLC, overseeing financial planning practice operations, and is president of the nonprofit board Life Spring. Ameriprise provides a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, delivering tailored, research-driven recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Chad Masche is a financial advisor with Thrivent Investment Management in Mill Creek, WA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Thrivent Investment Management since 2007 and Thrivent Financial since 2014. Outside of his advisory role, he serves as Church President on the council of Good Shepherd Lutheran Church in Snohomish, WA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations across a broad range of topics. The firm separates planning from managed-account services and does not accept discretionary trading authority for its Dedicated Planning Service.

Christopher White is a financial advisor with Edward Jones in Everett, WA, holding a Series 66 designation and having 10 years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a large network of advisors and branch offices. The firm offers a range of advisory solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Wartes is a financial advisor at Raymond James Financial with over one year of industry experience. He holds the Series 66 designation and has previously worked at Mainspring Wealth Advisors, Permabilt, and other firms. Outside of his advisory role, he serves as Vice President and independent contractor at Constellation Wealth Services, where he is involved in administrative and portfolio management activities. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and advisory programs supported by analytical tools and maintains unique municipal advisory capabilities within a large institutional platform.

Crystal Beineke is a CFP® with 12 years of industry experience currently associated with LPL Financial in Edmonds, WA. She has worked with LPL Financial since 2014 and was involved with Financial Advocates Investment Management from 2016 to 2025. Beineke also provides administrative support to independent investment advisor firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Tuyen Nguyen is a financial advisor at Fidelity with 24 years of industry experience. He previously worked at American Century Investments for 21 years and was self-employed from 2011 to 2019. Nguyen holds Series 63 and Series 65 licenses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary research and algorithmic methods. The firm also serves multiple registered investment companies and employs oversight controls to manage potential conflicts of interest.

Christopher Wittenbrink is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial goals and develops personalized wealth management strategies designed to support those goals. His approach includes customized planning, investment management, and ongoing guidance to help clients navigate market conditions and pursue financial objectives effectively. Christopher has been in the financial services industry since 2011 and joined Merrill Lynch in 2018. He focuses on affluent individuals, assisting them with areas such as college education planning, personal retirement planning, portfolio management, tax minimization, and retirement income. He holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He earned a bachelor's degree in Business Administration and Political Science from Central Washington University. Outside of his professional role, Christopher participates in Scouting America and enjoys personal interests such as baseball, football, hiking, music, photography, tennis, and spending time with his family. He lives in Everett, Washington with his wife and two children.

Chung Suen is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. His work history includes roles at Edward Jones and JPMorgan Chase Bank, N.A. He has held several positions outside of finance, including work in public safety and hospitality. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Steven Tomalin is a Series 66-licensed financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has worked at JPMorgan Chase Bank and J.P. Morgan Securities for the past 10 years and was previously employed at King County Library System. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence to support its recommendations.

Desiree Hajek is a financial advisor at Edward Jones with 8 years of industry experience. She holds a Series 66 designation and previously worked at H&R Block from 2011 to 2017. Outside of her advisory role, Hajek is connected to a residential painting business owned by a family member. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of managed strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Nien Hoang is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been practicing as a financial advisor since 2010, working directly with technology and healthcare professionals, as well as small business owners and entrepreneurs. His approach is focused on a streamlined, goals-based wealth management process driven by accountability, exceptional service, and results. His areas of expertise include college education planning, divorce transition planning, executive compensation, equity compensation services, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Nien holds certifications including the CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA), and maintains FINRA Series 7, 9, 10, and 66 registrations along with insurance licenses. He earned a bachelor's degree from Seattle University. Based in Seattle, Nien enjoys spending time with his wife and two sons exploring the outdoors, traveling, and supporting local sports teams. He is involved in community work through organizations such as Helping Link, reflecting his commitment to supporting others beyond his professional role.

Alex Masaki is a Planning Consultant at Fidelity Investments, a role held since 2025. Prior to this, Alex worked as a Relationship Manager at Fidelity Investments during 2025 and served as a Marketing Specialist focused on Prospect Management and Operations at Heritage Wealth Advisors from 2023 to 2025. Alex's professional approach centers on developing personalized financial plans that consider clients' priorities and long-term visions, adapting these plans as circumstances change to provide clarity and confidence throughout the financial planning process. Outside of work, Alex is engaged in family activities, fitness, golf, outdoor adventures, parenthood, and traveling.

Ryan Gleeson is a CFP® and holds a Series 66 license, serving as a financial advisor with Edward Jones in Shoreline, WA. He has 10 years of industry experience, all with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over 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.

Robert Valdez is a Series 66-licensed financial advisor with J.P. Morgan Securities, where he has worked since 2013. He has 15 years of industry experience, including prior roles at Merrill and VOYA Financial Advisors. Outside of his advisory work, he owns and manages rental properties through a separate business venture. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and an ESG eligibility framework.

Taylor May is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has previously worked at Guy Carpenter, Symetra, Armancas Financial - Equitable Advisors, Liberty Mutual, and the University of Washington. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Judith Salas is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Robert Kovich is a financial advisor with Ameriprise in Edmonds, WA, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

Sarah Frauenholtz is a Wealth Management Advisor with Merrill Lynch Wealth Management. She assists individuals, families, and nonprofit organizations in creating comprehensive financial plans that integrate wealth management, legacy planning, and philanthropy. Sarah works to help clients turn complex financial decisions into connected strategies involving banking, lending, trust and estate planning, investing, and philanthropic efforts. Since 2015, Sarah has been a part of the Kelly Wealth Management Group at Merrill. She holds a bachelor's degree in Mathematics from Carroll College in Helena, Montana, and is a CERTIFIED FINANCIAL PLANNER® professional as well as a Chartered Advisor in Philanthropy and Personal Investment Advisor. Her professional focus includes family wealth management strategies, services for endowments, foundations, and nonprofits, legacy planning, personal retirement planning, philanthropic planning, and retirement income. Sarah is involved in community activities including serving on the board of the March of Dimes and volunteering with Financial Beginnings, a nonprofit focused on financial education. She also participates in the Better Money Habits Champions, a Bank of America volunteering network, and has served on the Board of Directors for the Downtown Everett Association. Outside of work, she enjoys cooking, golfing, music, volleyball, and spending time with her family.