Scott Stanley is a CFP®-credentialed financial advisor with 14 years of industry experience, currently affiliated with LPL Financial since 2012. He operates under the Pharos Wealth Management name, which serves as a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs and financial planning services supported by research and various portfolio management options.

Nick Pascoe is the Vice President and Branch Leader at Fidelity Investments. In this role, he focuses on empowering Fidelity associates by providing them with the skills, confidence, and support necessary to reach their full potential. He has held several positions at Fidelity Investments, including Vice President, Regional Planning Consultant from 2022 to 2026, Vice President, Financial Consultant from 2020 to 2022, Financial Consultant from 2017 to 2020, and Investment Consultant from 2015 to 2017. Prior to joining Fidelity, Nick was a Financial Representative at Northwestern Mutual from 2013 to 2015.

Nelson Ngako Kameni is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Equitable Advisors, and several businesses in the hospitality and retail sectors. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michel Smith is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. His career includes roles at VOYA Financial Advisors and various entities he owns or operates, including Plannetics, LLC, an expense management firm. Smith also works as an independent insurance agent. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures.

Hung Tran is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He previously worked at Bank of America and Merrill for ten years. Tran has ownership interests in a restaurant and bar in Seattle and a Tennessee football venture. 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 IPS-driven advisory process is grounded in modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Kimberly Monnahan is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 22 years of industry experience. She has worked at LPL Financial since 2022 and at Ameriprise since 2016. 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, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Karin Nilsson is a financial advisor at LPL Financial with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with LPL Financial since 2011. In addition to her advisory role, she works as a dealer or pit boss for a casino party vendor, managing events such as Christmas and corporate parties. 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 advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Adrian Hedwig is a financial advisor at LPL Financial with 14 years of industry experience. He holds the Series 66 designation and previously worked at CUSO Financial Services, LP for ten years before joining LPL Financial and SALAL Credit Union. 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, supported by research and model portfolios from LPL Research and third-party subadvisors.

Dwayne Dilley is a financial advisor with Cambridge Investment Research Advisors in Bellevue, WA. He holds Series 63 and Series 65 credentials and has 39 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliate since 2015. Outside of his advisory role, he works as an independent insurance agent and is involved with Puget Sound Retirement Services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing various portfolio management and model-based strategies tailored to client objectives.

Jeffrey Ratti is a financial advisor with Charles Schwab in Bellevue, WA, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at TD Ameritrade, Avenue Properties, Keller Williams Real Estate, and Calton & Associates, Inc. He has been with Charles Schwab and Charles Schwab Bank since 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary managed account services. The firm provides integrated brokerage, advisory, custody, and cash management services supported by multi-asset model portfolios and centralized operational processes.

Nathan Huveldt is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 27 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, with prior experience at Citigroup Global Markets dating back to 2003. Outside of his advisory work, Huveldt is involved in Best Life Medical Weight Loss, LLC, where he handles administrative and accounting roles. Morgan Stanley Wealth Management serves both individual and institutional clients with customized financial planning and investment advisory services, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and modeling tools but generally does not provide individual security recommendations within standalone plans.

Kenneth Lubkowski is a financial advisor with LPL Financial in Seattle, WA, holding a Series 66 designation and with 25 years of industry experience. He has been with LPL Financial and its predecessor since 2000. Outside of his advisory role, he is involved in non-variable insurance activities through a DBA called Financial Advocates and serves as an insurance agent part-time. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of financial planning and advisory programs alongside brokerage services, with access to model portfolios, third-party research, and various investment management options.

Jake Prather is a financial advisor with Ameriprise Financial Services LLC in Bellevue, WA. He holds the Series 66 designation and has one year of experience at Ameriprise, following prior roles in various industries including the United States Coast Guard and corporate positions. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Connor Stoeser is a financial advisor at Morgan Stanley with six years of industry experience. Prior to joining Morgan Stanley, he worked at Deloitte Tax for three years. He holds a Series 66 designation and is based in Bellevue, WA. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Tadeusz Markow is a CFP®-designated financial advisor with Cambridge Investment Research Advisors, based in Seattle, WA. He has 33 years of industry experience and has been with Cambridge Investment Research since 2007. He is also the owner of Markow Financial Group, which has operated since 1995, and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals using a variety of custodial platforms and proprietary as well as third-party investment strategies.

Kristian Maya is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Schwab, Maya worked at QuadCap Wealth Management and spent several years in full-time education. Maya is based in Bellevue, WA. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, leveraging multi-asset model portfolios and due diligence on alternative investments within an integrated operational structure.

Marisa Dilorenzo Davidson is a financial advisor at Equitable Advisors with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2009, previously associated with Axa Advisors, LLC. She serves as Board Treasurer for The Redemption Church and is a board member of the Renton Little League, participating in community activities without compensation. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Tammy Staub is a financial advisor at RBC Capital Markets with over 43 years of industry experience. She has been with RBC since 2019 and previously worked at D.A. Davidson & Co. for 21 years. Outside of her advisory role, she serves as an independent consultant for Arbonne International, a skin care and nutritional products company. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, and charitable organizations, offering tailored investment strategies and portfolio management through a combination of in-house and third-party managers.

Walter Hunt is a financial advisor at Charles Schwab with two years of industry experience and holds the Series 66 designation. Prior to his advisory role, he has worked in education and has been involved in the restaurant industry as a food runner and busser at Angelo's of Burien. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and operational structures.

Benjamen Fagerlind is a financial advisor with Morgan Stanley in Kirkland, WA, holding a Series 66 designation and bringing 20 years of industry experience. His prior work includes roles at J.P. Morgan Securities and Bank of America. 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 methodologies.