Tracy Ham is a financial professional at Cetera with 40 years of industry experience. She has worked with Cetera Advisors LLC since 2013 and joined Cetera in 2024. In addition, she is involved with Principle Resource Group, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and manages over $256 billion in assets through a network of more than 10,000 advisors.

Lori Reinke is a financial advisor at Cetera with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at MassMutual and Thrivent Financial. She also provides financial services through Capital Financial Solutions, LLC. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple program platforms and third-party managers.

Michael Billings is a financial advisor with LPL Financial in Boise, ID, holding the CFA® designation along with Series 63 and Series 65 licenses. He has 22 years of industry experience, having previously worked at Wells Fargo Advisors, Merrill, and KeyBanc Capital Markets. Billings is also the sole owner of Grant Street LLC, a business entity related to tax and investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services supported by research and technology tools.

Katelyn Dell Era is a financial advisor with Primerica Advisors in Meridian, ID, holding Series 63 and Series 65 licenses and having two years of industry experience. She previously worked with State Farm Insurance and has experience in both financial services and educational roles. In addition to advising, she receives compensation for referrals related to home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, offering model-driven investment strategies supported by third-party asset managers and custodians.

Nathanael Downs is a financial advisor with LPL Financial in Boise, ID, holding a Series 66 designation and 15 years of industry experience. Prior to joining LPL Financial in 2026, he worked at Duncan Financial Planning Advisors and Cambridge Investment Research Advisors. Outside of advising, he owns a coffee business in Nampa, ID. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives using a variety of investment strategies.

Ryan Whitney is a financial advisor with RBC Capital Markets in Eagle, Idaho. He holds a Series 66 designation and has two years of industry experience, including five years at UBS prior to joining RBC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management tailored to clients’ risk profiles, utilizing a combination of in-house and third-party investment managers.

Leslie Elgin is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019. Her background includes roles at Boise Art Museum and Boise State University, as well as the University of Colorado, Boulder. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct individual plans and Corporate Financial Planning agreements.

Andrew Linsenmann is a financial advisor at Osaic with eight years of industry experience. He holds a Series 66 designation and has worked previously at Woodbury Financial Services and MassMutual in various capacities. Outside of his advisory work, he is involved in fixed insurance sales and group insurance as a sole proprietor and independent contractor, and owns an LLC used for tax planning related to his insurance activities. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors and platforms. The firm offers integrated brokerage and advisory services and uses firm-provided tools to create diversified portfolios that include various asset classes, managing accounts on either a discretionary or non-discretionary basis.

Mark Rupp is a CFP® with 20 years of industry experience, affiliated with Cetera in Boise, ID. He has held roles at firms including Summit Financial Group Inc and Cetera Wealth Services, and he currently serves as owner and president of Rupp Financial Companies, Inc. Outside of his advisory work, he is vice board chair of the nonprofit Conservation Voters for Idaho Education Fund. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform that supports a large nationwide network of independent advisors. The firm serves individual clients, employer-sponsored retirement plans, and institutional accounts with services ranging from portfolio management to financial planning and access to third-party managers.

Tod Ayers is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and 20 years at Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Tanner Richards is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at Fidelity Brokerage Services since 2017 and joined Fidelity Investments in 2025. His prior experience includes roles at USSA, Dixon Land Co., Vista Counseling Services, and Life Centre Athletic Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Timothy Zadzora is a financial advisor at Cetera with 17 years of industry experience. He holds a Series 66 designation and has been with Cetera Advisors LLC since 2013. Outside of his advisory role, he works as an insurance agent, selling life insurance and annuities. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform with over $256 billion in assets under management.

Vickie Little is a financial advisor at Raymond James Financial with 19 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes roles at UBS Financial Services and Riverside Associates Financial Group. Outside of finance, she has been involved with businesses such as M & M Traffic Control, LLC and Subzero Ice Cream. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning tailored to client goals, using risk profiling and modeling tools, and supports advisory programs along with specialized services such as municipal and public finance consulting.

Brandon Schmidt is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at Corebridge Financial and the hospitality sector. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a broad client base including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and advise registered investment companies.

Angela Bohn is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. 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 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.

Gavin Licht is a financial advisor with LPL Financial in Meridian, Idaho, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at Ameriprise, Wells Fargo Clearing, Wells Fargo Advisors, and U.S. Bancorp Investments. Outside of his advisory work, he owns a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by advanced operational and research tools.

Joseph Schneider is a financial advisor at Stonewell Financial Management LLC in Boise, ID, holding a Series 66 designation with two years of industry experience. He previously worked at LPL Financial LLC and LeadVantage. Stonewell Financial Management LLC provides discretionary investment management and advisory services to individuals and high-net-worth clients, focusing on customized portfolios primarily using low-cost mutual funds and ETFs. The firm employs a long-term investment approach with periodic rebalancing and operates as a fiduciary, maintaining continuous client contact while directing clients to an institutional custodian.

Suzanne Nealgarner is a financial advisor with Advanced Tax and Financial Services, Inc. in Kuna, Idaho, holding Series 63 and Series 65 licenses with 23 years of industry experience. She has been with Advanced Tax and Financial Services since 2003 and serves as its president, providing tax consulting and income tax preparation services alongside her advisory role. Advanced Tax and Financial Services, Inc. manages approximately $577.6 million across 29 individual and high-net-worth client accounts, focusing on discretionary portfolio management. The firm operates as a solo practice emphasizing investment management rather than standalone financial planning.