Chavonne Horton is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and one year of industry experience. Before joining Morgan Stanley, she worked in various roles across construction and wellness sectors. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analysis to support clients’ financial goals.

Scott Caldwell is a financial advisor with LPL Financial, holding a Series 66 designation and having 21 years of industry experience. He has previously worked at firms including Waddell & Reed and Merrill. Caldwell has been involved with several community-oriented organizations such as Junior Achievement NW Washington and Blue Skies for Children Non Profit. 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 services including financial planning, model portfolios, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

Eric Ludwig is a financial advisor at Edward Jones based in Lynden, WA, holding a Series 66 designation with 14 years of industry experience. He has been with Edward Jones since 2012. 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 nationwide network of over 23,700 advisors and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds.

Scott Dirksen is a CFP® professional with 10 years of industry experience, currently affiliated with LPL Financial in Bellingham, WA. His prior roles include positions at First Republic Bank and First Republic Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, and institutional platforms, supported by advanced operational tools and oversight of substantial discretionary assets.

Steven Webb is a financial advisor with LPL Financial in Ferndale, WA, holding Series 63 and Series 65 licenses and 12 years of industry experience. Prior to joining LPL Financial in 2023, he worked at Wells Fargo Clearing and Wells Fargo Bank NA for a combined total of 14 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice primarily delivered by investment adviser representatives using various portfolio strategies.

Aaron Redd is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. He has worked at LPL Financial and Peoples Bank since 2021 and has held previous roles in education and other sectors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management and institutional platforms.

Shawn Morton is a financial advisor with LPL Financial in Bellingham, WA, holding a Series 66 credential and 26 years of industry experience. He previously worked with Waddell & Reed for over 20 years before joining LPL Financial in 2021. Outside of his advisory role, Morton is involved with various organizations including the National Christian Forensics & Communication Association, Christ Church Bellingham, and Epic Speech And Debate Club. 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, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

Russell Whidbee is a financial advisor at LPL Financial with 27 years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Ameriprise, Waddell & Reed, and various insurance carriers, as well as outside employment at Whatcom Community College. Whidbee has also been involved in local public service, including a position as a city council candidate and an elected council member in Bellingham, WA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of financial planning and investment management services through a large network of advisors, utilizing proprietary research, third-party subadvisors, and various strategic and tactical allocation options.

Lori Webber is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1997. Merrill 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 plans, corporations, and charitable organizations.

Barbara Johnson is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Merrill Lynch from 1994 to 2020. Outside of her advisory role, she serves as the board secretary for Whatcom County Cemetery District #7. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning using proprietary tools and serves clients through both direct and employer-sponsored arrangements.

Dawson Phillips is a financial advisor with LPL Financial in Ferndale, WA, holding a Series 66 credential and three years of industry experience. Prior to joining LPL Financial, he worked at JD Phillips & Associates and Independent Financial Group, LLC. Outside of finance, he is active as an artist and musician with Idiom Theater. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives, serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, including model portfolios, third-party management, and institutional platforms.

Douglas Whitener is a financial advisor at LPL Financial with 40 years of industry experience. He holds a Series 63 designation and has previously worked at Waddell & Reed, Inc. and operated his own business entities focused on tax and investment purposes. Whitener also engages as a financial advisor with associates in Clifton Park, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of investment adviser representatives.

Lucas Jacob is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. Prior to joining LPL Financial in 2025, he worked with Raymond James Financial Services and Peoples Bank. He is also a commissioned notary in Lynden, WA. 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, and institutional platforms, supported by advanced advisor tools and a broad spectrum of financial products.

Gregory Young is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 34 years of industry experience. He previously worked at American General Securities Incorporated from 2000 to 2007 and has been with Linsco/Private Ledger Corp. since 2007. Outside of his advisory work, he is involved in independent insurance sales through a separate business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Timothy Goering is a financial advisor with LPL Financial in Bellingham, WA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked for Waddell & Reed, Inc. and various insurance carriers for over 26 years. His other business activities include ownership of consulting entities unrelated to investments. 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 investment services, including model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools but driven by advisor-led decision-making.

Janet Shepherd is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley Smith Barney since 2009, transitioning to Morgan Stanley Private Bank, N.A. in 2023. Outside her advisory role, she is involved in managing rental properties. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning, utilizing firm-approved tools and modeling techniques to support client decision-making.

Kristina Gruett is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as an officer and board member of the Bellingham Golf and Country Club. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and delivers services that include both direct individual financial plans and corporate financial planning agreements.

Franklin Ellars is a financial advisor with Edward Jones in Bellingham, WA, holding Series 63 and Series 66 designations and 21 years of industry experience. He has been with Edward Jones for his entire career since 2005. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Chad Bouma is a financial advisor at Cetera with 25 years of industry experience and holds Series 63 and Series 66 credentials. He has been with Cetera since 2013 and also works with Hillco Contracting, where he performs construction labor. Bouma is a member of Northwest Capital Management LLC, a financial services and insurance business. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Todd Van Mersbergen is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Avantax Insurance Services and operating his own firm, VM Financial, LLC. Outside of finance, he manages multiple berry farming operations and provides accounting and tax preparation services through Maas CPA. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers.