Wade Westhoff is a CFP® with 30 years of experience in the financial industry and is currently affiliated with Raymond James Financial. He has worked with several firms including Summit Financial Group and Securian Financial Services Inc., and is involved in advisory and insurance services through his ownership of Alrohumo, LLC and McQueen Kalligan Insurance Services, Inc. Westhoff serves on the Oregon State University - Cascades Advocacy & Advisory Board. 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 using advanced analytical tools and supports advisory programs and institutional portfolio management across a large advisor network.

Kelly Lewis is a financial advisor with Merrill in Bend, Oregon, holding a Series 66 designation and nine years of industry experience. He has been with Merrill since 2016. Outside of his advisory role, Lewis is involved in managing a family farm through two LLCs, where he oversees animal care, manure management, and farm operations. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hillary Beelke is a financial advisor at Morgan Stanley in Bend, Oregon, with eight years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019, following three years at RBC Wealth Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to both individual and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jennifer Payer is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds the Series 66 designation and has worked at UBS since 2022, following a 13-year tenure at Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and asset allocation models to tailor investment plans to client goals and risk tolerances.

Renata Garbowski is a financial advisor at Ameriprise with 8 years of industry experience. She holds the Series 66 designation and has previously worked at Edward Jones and Lyft, among other positions. Garbowski is also connected to a consulting business through family ownership but is not actively involved. 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 tailored retirement planning advice focused on dependable income and tax-aware strategies.

Scott Mc Veigh is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2009, currently serving at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Paul Waterman is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients—including individuals, institutions, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Donald Hahn is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial situations and introduces them to solutions offered through Merrill and Bank of America. He aims to empower clients with knowledge and tools to manage their finances and select platforms suited to their needs. He holds the professional designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Oregon State University. Donald's approach involves helping clients identify what matters most to them and their families to develop strategies for pursuing their financial goals.

John Steiner is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 34 years of experience in financial and wealth management advice and services. He has previously held the position of Branch Manager for 25 years, where he developed a strong code of ethics that continues to guide his client relationships. John focuses on creating wealth management strategies for individuals and businesses to help them pursue their short and long-term financial goals. John's approach emphasizes an interactive relationship with his clients, beginning with a clear identification and definition of their financial goals and objectives. He leads a team that independently evaluates alternatives to develop customized wealth management strategies, which are implemented with detailed attention and regularly tracked and reviewed against clients' financial objectives. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. John earned a Bachelor of Arts degree in Economics from the University of Wisconsin in Madison. He holds several FINRA registrations, including Series 3, 7, 8, 63, and 65, and is a licensed Life Insurance Agent. John has also attained the Personal Investment Advisor (PIA) designation. In addition to his professional work, he has served on the Board of Directors of Tony La Russa's Animal Rescue Foundation (ARF). He resides in Black Butte Ranch, Oregon with his wife and enjoys spending time with his four children and fourteen grandchildren. Personal interests include baseball, biking, golfing, hiking, scuba diving, skiing, and swimming.

Jay Fain is a financial advisor with Morgan Stanley in Bend, Oregon, holding Series 63 and Series 65 credentials and 45 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Morgan Stanley Dw Inc. since 1991. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm‑approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Michael Hurley is a financial advisor with Morgan Stanley in Bend, Oregon, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2012. Outside of his advisory role, he serves as a trustee and co-trustee for a trust in Bend. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through tailored planning and a range of investment offerings.

Carol Scott is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Christopher Brewer is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. Brewer serves on the board and finance committee of the Deschutes Children's Foundation in Bend, Oregon, including roles as board chair and member of the executive committee. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment research to support its advisory services, which include both direct client relationships and corporate financial planning agreements.

Stuart Johns is a financial advisor with Merrill in Bend, Oregon, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Bank of America, Merrill, and RBC Capital Markets over his career. Outside of advising, he performs music as a sole proprietor. Merrill, together 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, pension and profit-sharing plans, corporations, and charitable organizations.

Jeri Beck is a financial advisor at Morgan Stanley in Portland, OR, holding Series 63 and Series 66 credentials with 24 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets and employing structured planning tools such as Monte Carlo simulations to model outcomes.

Ryan Thornton is a financial advisor at Edward Jones in Bend, Oregon, with 10 years of industry experience. He holds the Series 66 designation and has been 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 under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Deborah Lee is a financial advisor with Merrill in Bend, Oregon, holding Series 63 and Series 65 credentials and 34 years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Mark Reifschneider is a CFP® professional with 31 years of industry experience. He currently works at Raymond James & Associates and has previously been employed at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a nationwide adviser network.

Tyler Hague is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones, CUSO Financial Services, LP, US Bank, and SELCO Community Credit Union. 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, combining advisory services with a broad range of non-advisory financial activities.

Mark Schang is a CFP®-certified financial advisor with Edward Jones based in Bend, OR, and has 19 years of industry experience. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.