Bret Reiner is a CFP® with 18 years of experience in the financial services industry. He is currently with Edward Jones in West Linn, OR, where he has worked since 2020, returning after an earlier four-year tenure. His prior experience includes four years at Wells Fargo Clearing. 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 and offers a range of advisory services, including managed accounts, affiliated mutual funds, and tax-efficient strategies, supported by a nationwide network of financial advisors and branch offices.

Mitchell Rask is a financial advisor with LPL Financial who holds a Series 66 designation and has 28 years of industry experience. He previously worked at Wells Fargo Advisors for five years and has operated Rask Enterprises, LLC since 1993. Outside of advisory work, he is the owner of Pala Investments, a business unrelated to investment advisory services. 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 advisory and brokerage services, including financial planning and access to third-party asset management, with a platform that supports both discretionary and non-discretionary strategies.

Michael Smelser is the Market Leader for the Oregon and Idaho markets at Fidelity Investments, a role he has held since 2021. In this capacity, he oversees market operations and works to deliver a comprehensive financial planning experience. His career in financial services spans over two decades, beginning as a Senior Financial Planner at Wunch Financial Services in 1998. He has held various roles including Financial Consultant positions at Charles Schwab and RBC Dain Rauscher, and multiple leadership positions at Fidelity Investments, progressing from Investment Representative to Vice President and Branch Leader prior to his current role. Further details about his education, credentials, and personal interests are not provided.

Robert Kays is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 34 years of industry experience. Prior to joining LPL Financial in 2024, he worked at SCF Investment Advisors and SCF Securities from 2020 to 2024, and previously spent 27 years with Kms Financial Services. Outside of his advisory role, he is involved with Risk Management Insurance Services Inc., an insurance agency he has been associated with since 1985. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and portfolio management options through a large network of investment adviser representatives.

Skylar Koon is a financial advisor with Cetera, holding Series 63 and Series 65 licenses, and has 16 years of industry experience. He has worked at Cetera since 2019 and previously at Foresters Financial from 2012 to 2019. Outside of his advisory role, he owns Skyberdyne Systems, LLC, an entity used for tax reporting purposes. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers various portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform with access to affiliated and third-party investment managers.

Kevin Marshall is a financial advisor with Osaic Wealth, Inc. in Sherwood, Oregon, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked with Osaic Wealth since 2018 and previously at Signator Investors, Inc. from 2016 to 2018. Outside his advisory work, he owns several business entities, including Complete401K, which focuses on 401(k) plan services. Osaic Wealth, Inc. serves a diverse client base, including individual and high-net-worth investors, institutions, and charitable organizations, through a wide network of advisers and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include a variety of asset types, and offers integrated brokerage, financial planning, retirement consulting, and access to third-party money managers.

Eric Holm is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 credentials and 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has concurrently worked with Entex Information Services since 1995. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a broad range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to support its investment approach.

Joshua Stevens is a financial advisor with Merrill Lynch Wealth Management, based in the Lake Oswego area. He works with individuals and families to simplify their financial lives, create goals-based plans, and assist in building and preserving wealth. Joshua brings a strong commitment to service to his role, a value shaped by his early career as a firefighter and EMT in Southern Oregon. He grew up in Southern Oregon and earned associate degrees from Rogue Community College. Joshua holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, enhancing his expertise in retirement planning and investment advisory services. His prior experience and continued engagement with the Oregon Department of Fish and Wildlife reflect his connection to his community. Outside of his professional responsibilities, Joshua is an avid fisherman, a Trail Blazers fan, and a sports card collector. He enjoys spending time in his hometown of Grants Pass, Oregon, visiting family and friends and fishing along the Rogue River.

Kimila Setzer is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 38 years of industry experience. She has worked at Cetera and its affiliated entities since 2013 and previously at K Investment Management, Inc. from 2000 to 2017. Outside of advising, she is an author of fictional books. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management and access to various third-party money managers.

Tanner Cavaille is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and seven years of industry experience. His career includes roles at Cetera, Crown Capital Securities LP, and New York Life, as well as a 13-year tenure at Sprint prior to entering the financial sector. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, and consulting services, with access to multiple program structures and custodial relationships, managing over $256 billion in assets.

Emily Aley is a financial advisor with RBC Capital Markets in Lake Oswego, OR, holding a Series 66 designation and 20 years of industry experience. She has been with RBC Capital Markets since 2009. Outside of her advisory role, she serves on the board of directors for the American Lung Association in Oregon. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies based on clients' Advisory Risk Profiles and utilizing both in-house and third-party investment resources.

Ronnie Cobb is a financial advisor at UBS Financial Services with 36 years of industry experience. He has been with UBS since 2013 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Andrea Umenhofer is a financial advisor at Ameriprise with 20 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2006. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written recommendation reports that consider income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its clients and delivers these services through a centralized consulting team in partnership with financial advisors like Ms. Umenhofer.

Joel Rogers is a Financial Consultant currently working at Fidelity Investments since 2020. He has over a decade of experience in the financial industry, having held various roles at Charles Schwab & Co. from 2008 to 2020, including Associate Financial Consultant, Financial Consultant Partner, Specialist in Brokerage Services, and Retirement Plan Services Consultant. Throughout his career, Joel has focused on providing accountability, objective guidance, and serving as a resource to help clients pursue their financial goals. He holds a California Insurance License.

Timothy Davis is a financial advisor at Charles Schwab with 30 years of industry experience. He has held positions at Charles Schwab and Charles Schwab Bank since 2004 and 2005, respectively. He holds Series 63 and Series 66 registrations and is based in Lake Oswego, Oregon. 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized custody and operational systems.

Jacquelene Hall is a financial advisor at RBC Capital Markets with 19 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations and has been with RBC Capital Markets since 2015. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

William Defreitas is a financial advisor with OSAIC who holds Series 63 and Series 66 licenses and has 17 years of industry experience. He previously worked at Securities America Advisors and Securities America Inc. for eight years prior to joining OSAIC. He also sells disability insurance through Guardian and serves as executor of his parents' estate. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisors and multiple advisory platforms. The firm provides various investment solutions including managed accounts and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing.

Jennifer James is a financial advisor at Raymond James Financial with Series 63 and Series 66 credentials and 26 years of industry experience. She has worked at Raymond James and its affiliated entities since 2018 and previously held positions at Cuso Financial Services and OnPoint Community Credit Union. James is involved with OnPoint Investment Services, offering non-deposit investment products and providing investment advisor associate support. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, institutional, and high-net-worth clients. The firm emphasizes tailored, non-discretionary advice supported by analytical tools and offers unique municipal advisory services and specialized retirement plan consulting programs.

Dan Mc Laughlin is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 29 years of experience in the industry. His prior work includes roles at Columbia Bank, Umpqua Bank, key Investment Services, and several other financial institutions. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning supported by advanced analytical tools and maintains a unique municipal advisor affiliation.

Mary Christianson is a financial advisor with Robert Baird & Co. in Portland, OR, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has been with Robert Baird & Co. since 2014. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio services, including discretionary and non-discretionary management, separately managed accounts, and overlay strategies across a range of traditional and non-traditional asset classes.