Eric Ludwig is a financial advisor with Edward Jones in Lynden, WA, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a broad network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Scott Dirksen is a financial advisor with LPL Financial in Bellingham, WA, holding CFP®, Series 65, and Series 63 credentials and has 10 years of industry experience. His prior experience includes roles at First Republic Investment Management, First Republic Securities Company, and Bellingham Capital Management. 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 offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Steven Webb is a financial advisor with LPL Financial based in Ferndale, WA. He holds Series 63 and Series 65 licenses and has 11 years of industry experience. Prior to joining LPL Financial in 2026, he worked for Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA from 2012 to 2026. 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 offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Aaron Redd is a financial advisor with LPL Financial in Bellingham, WA. He holds a Series 66 designation and has three years of industry experience. His prior work includes roles at Peoples Bank and Western Washington University. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a wide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by internal and third-party research.

Shawn Morton is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. He has worked with LPL Financial since 2021 and previously spent 11 years at Waddell & Reed, Inc. Morton is involved with several organizations, including the National Christian Forensics & Communication Association and Epic Speech And Debate Club. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including 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, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Russell Whidbee is a financial advisor at LPL Financial with 27 years of industry experience. His background includes ten years at Waddell & Reed, Inc., and he has held various roles in insurance agencies. Outside of advisory work, he has served on the City Council in Bellingham and worked at Whatcom Community College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolio management.

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 at LPL Financial with two years of industry experience. He holds the Series 66 designation and has worked at firms including Independent Financial Group, LLC and JD Phillips & Associates. Outside of finance, he is involved as an artist and musician with Idiom Theater. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Douglas Whitener is a financial advisor with LPL Financial, holding a Series 63 designation and 39 years of industry experience. His prior experience includes roles at Waddell & Reed, INC. and various insurance carriers spanning 35 years, as well as operating Whitener Inc. and Whitener Properties for multiple years. 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 adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management supported by model portfolios and research resources.

Lucas Jacob is a Series 66–licensed financial advisor with seven years of industry experience. He has worked at LPL Financial since 2025 and previously spent six years with Raymond James Financial Services. Jacob holds a notary public role in Lynden, WA. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Gregory Young is a financial advisor with LPL Financial in Lynden, WA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 2007. Outside of his advisory role, he is involved in independent insurance sales through a business he operates. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Timothy Goering is a financial advisor with LPL Financial in Bellingham, WA, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. Prior to joining LPL Financial in 2021, he spent over two decades with Waddell & Reed, Inc. and various insurance carriers affiliated with W & R Insurance Agencies. He also has interests in consulting entities unrelated to investment activities. 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 offers a broad range of advisory programs, financial planning, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Janet Shepherd is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 65 and Series 63 licenses and has worked with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank since 2023. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning through its network of advisors and specialized estate planning groups. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support client financial plans.

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 at Edward Jones in Bellingham, WA, holding Series 63 and Series 66 licenses with 20 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a network of more than 23,700 advisors nationwide.

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.

Dorothy Whitman is a financial advisor with LPL Financial in Ferndale, WA, holding a Series 66 designation and 17 years of industry experience. Her previous roles include positions at Key Investment Services, Securities America Advisors, Allstate Financial Services, and Principal Life Insurance Company. She serves as the International Chair for the Sunrise Rotary in Bellingham, where she organizes international activities and supports community fundraising efforts. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Matthew Kok is a ChFC® credentialed advisor with 28 years of industry experience, currently serving at LPL Financial. He has previously worked at Raymond James Financial Services Advisors Inc. and Peoples Bank. He is involved with KJ Wealth Group LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement plan consulting, utilizing a mix of discretionary and non-discretionary portfolio management supported by proprietary and third-party research.