Judith Paulson is a CFP® professional at Cetera with 29 years of experience in financial advising. Her prior work includes roles at Thrive Business Group and Cetera Wealth Services, LLC, as well as operating her own firm, Paulson Financial Services, which provides investment planning and income tax preparation. Outside of her advisory work, she serves as treasurer for several organizations, including Acme Presbyterian Church, Whatcom Women’s Network, and the American Association of University Women-Whatcom. Cetera Investment Advisers LLC serves a broad client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that combines affiliated and third-party managers with various program structures and custodial relationships.

Madison Maki Maxwell is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2023, Madison worked in supply chain solutions at United Parcel Service and held positions at T-Mobile, Shutterfly Inc, and Rue21. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that utilizes firm-approved tools and investment modeling techniques.

Max Shelton is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 23 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2002. Outside of his advisory role, Shelton is involved in property management and real estate ownership in Blaine, Washington. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning that utilizes structured discovery conversations and firm-approved tools to model outcomes.

Winifred Rosbach is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2020, as well as at Bank of America and Merrill Lynch from 2011 to 2020. She is based in Bellingham, WA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured discovery processes and advanced planning tools.

Steven Lipinski is a financial advisor with J.P. Morgan Securities and holds the Series 66 designation. He has two years of industry experience, including prior roles at Bank of America/Merrill Lynch and a twenty-year service record with the US Air Force. Outside of finance, he is involved in freelance writing and editing through a small business operated with his spouse. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm’s approach incorporates an ESG eligibility framework and offers a range of investment products through its institutional consulting services.

Misty Triplett is a financial advisor at LPL Financial with 15 years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2021. Her prior roles include operating her own firm, Triplett Financial Advisor, Inc., and involvement with various business and networking organizations. She has also engaged in business activities outside of finance, including management of Happy Renters LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Matthew Crawford is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides clients with a customized wealth management approach tailored to their financial situation and evolving needs, incorporating investment insights from Merrill and services from Bank of America. Matthew’s areas of focus include college education planning, family wealth management strategies, liquidity management, and retirement income planning. With six years of experience in the finance industry, Matthew previously held a leadership role at another financial investment firm, where he improved branch performance significantly while maintaining strong client service. He holds several FINRA registrations, including Series 7, 66, 9, 10, and 24, and holds the Personal Investment Advisor (PIA) designation. He earned his high school diploma from Squalicum. Matthew has lived in Bellingham, Washington since childhood and values making a difference in his community. Outside of work, he enjoys boating, cooking, fishing, golfing, and spending time with his wife and two children.

John Phillips is a financial advisor with LPL Financial in Ferndale, WA, holding Series 63 and Series 65 designations and 38 years of industry experience. He previously spent 17 years with an independent financial group before joining LPL Financial in 2025. Outside of advising, he is involved with JD Phillips & Associates, Inc., a business entity associated with his LPL practice. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Trey Naidu is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to rejoining Edward Jones in 2026, he worked in the restaurant industry and telecommunications. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options, managing approximately $1.01 trillion in assets.

Brian Lydiard is a CFP®-credentialed financial advisor with Edward Jones in Lynden, WA, where he has worked since 2001. He has 24 years of industry experience and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is a partner in a family tree farm business. 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 under management through a broad network of financial advisors, offering discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Virginia Tobin is a financial advisor at Merrill with Series 63 and Series 66 credentials and 31 years of industry experience. She has been with Merrill since 2009 and also has a longstanding affiliation with Bank of America, N.A., dating back to 2003. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Tod Asmussen is a financial advisor with Morgan Stanley Wealth Management in Bellingham, WA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at UBS Financial Services for 17 years. Outside his advisory role, he assists with marketing for a social networking business owned by his wife. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes using firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Nicola Barber is a financial advisor with UBS Financial Services in Bellingham, WA, holding a Series 66 designation and 24 years of industry experience. She has worked at UBS since 2006 and has been affiliated with U.S. Bancorp Piper Jaffray Inc. since 1996. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, using proprietary research and model-based asset allocations to tailor investment strategies.

Kellan Herndon is a financial advisor with Edward Jones in Lynden, WA, holding CFP® and ChFC® designations along with a Series 66 license. He has eight years of industry experience, including roles at Edward Jones since 2018 and prior positions in emergency services and education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm provides a range of advisory programs and investment options, operating under a fiduciary standard and maintaining a large national footprint of advisors and branch offices.

Mena Masry is a financial advisor with Merrill in Bellingham, WA, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Masry worked at Bank of America and held roles in various businesses, including a managing partner position at Holy Family Day Care and a board membership at Archangels COC, a community-focused organization. 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.

Seth Anderson is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His career includes roles at Scottrade, TD Ameritrade, and Peoples Bank. 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 advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by research and technology-driven investment strategies.

Margaret Connors is a financial advisor at Edward Jones with 13 years of industry experience. She holds a Series 66 designation and has been with Edward Jones throughout her career. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Ethan Brouwer is a financial advisor at LPL Financial with five years of industry experience. He holds a Series 65 designation and previously worked at Pinnacle Wealth for three years. Outside the financial sector, he has a background in agriculture, having been involved with Brouwer Farms for nine years. 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 advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios and research from in-house and third-party sources.

Chavonne Horton is a financial advisor at Morgan Stanley with four years of experience in the industry. She holds a Series 66 designation and has prior work experience in construction and health and wellness sectors. Morgan Stanley Wealth Management is a large SEC-registered investment adviser serving both individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

Scott Caldwell is a Series 66-licensed financial advisor with LPL Financial, based in Bellingham, WA, and has 21 years of industry experience. Prior to joining LPL Financial in 2021, he was involved with multiple local organizations including The Bellingham Team, several youth soccer clubs, and nonprofit groups such as Blue Skies for Children and Junior Achievement NW Washington. 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 services, including model portfolios and retirement plan consulting, supported by research from LPL Research and third-party subadvisors.