Robert Kovich is a financial advisor with Ameriprise in Edmonds, WA, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

Alan Larson is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2021 and Morgan Stanley Smith Barney LLC since 2020. Prior to that, he held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, incorporating models such as Monte Carlo simulations, while acting primarily in an advisory capacity.

Sarah Frauenholtz is a Wealth Management Advisor with Merrill Lynch Wealth Management. She assists individuals, families, and nonprofit organizations in creating comprehensive financial plans that integrate wealth management, legacy planning, and philanthropy. Sarah works to help clients turn complex financial decisions into connected strategies involving banking, lending, trust and estate planning, investing, and philanthropic efforts. Since 2015, Sarah has been a part of the Kelly Wealth Management Group at Merrill. She holds a bachelor's degree in Mathematics from Carroll College in Helena, Montana, and is a CERTIFIED FINANCIAL PLANNER® professional as well as a Chartered Advisor in Philanthropy and Personal Investment Advisor. Her professional focus includes family wealth management strategies, services for endowments, foundations, and nonprofits, legacy planning, personal retirement planning, philanthropic planning, and retirement income. Sarah is involved in community activities including serving on the board of the March of Dimes and volunteering with Financial Beginnings, a nonprofit focused on financial education. She also participates in the Better Money Habits Champions, a Bank of America volunteering network, and has served on the Board of Directors for the Downtown Everett Association. Outside of work, she enjoys cooking, golfing, music, volleyball, and spending time with her family.

Monica Lorimor is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 66 licenses and has 27 years of industry experience. Prior to her current role, she worked at Wells Fargo Clearing and WELLS FARGO Advisors. Outside of finance, she owns and operates Scott's Cutting Edge Lawn Care, Inc., a business she has managed since 1995. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and supports a wide advisor network with specialized programs including municipal and public-finance consulting.

Remi Calozza is a financial advisor at Raymond James Financial with one year of industry experience. He holds a Series 66 designation and has worked with several firms including LPL Enterprise and Mainspring Wealth Advisors. Outside of advisory roles, he has experience in the food and service industry and has engaged in financial planning support activities at Mainspring Wealth Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm employs non-discretionary planning and consulting tailored to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

John Salisbury Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Raymond James since 2020 and previously held positions with 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 a wide range of clients—including individuals, institutions, pension plans, and municipal entities—and offers financial planning, non-discretionary investment consulting, and municipal advisory services.

Daniel Gregory is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. Prior to this role, he held positions as an Investment Consultant from 2022 to 2023 and as a Financial Representative from 2021 to 2022 at the same firm. In his current capacity, Daniel collaborates with clients to develop financial plans that align their wealth with their personal values and help them make informed financial decisions. Daniel's approach centers on understanding each client's unique story and working together to build tailored financial strategies. His experience spans various aspects of financial consulting, reflecting a commitment to client-focused service. Outside of his professional work, Daniel enjoys fitness, hiking, outdoor adventures, snowboarding, and spending time with his pets.

Steven Foster is a financial advisor at Raymond James Financial with 35 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Raymond James Financial and its affiliates since 2001, including eight years with Foster Financial Group Inc. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses analytical tools such as deterministic and probability modeling to tailor non-discretionary planning and consulting to client goals and supports these through advisory programs and institutional portfolio management.

Aaron Wartes is a financial advisor with Raymond James Financial, holding the Series 63 and Series 66 designations and bringing 23 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2013 to 2022. In addition to his advisory role, he operates Constellation Wealth Services in affiliation with Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and investment consulting using analytical tools and supports clients through advisory programs and institutional consulting.

Allen Ernst is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2013. His prior work includes operating Guide Financial Group, LLC, an investment-related business affiliated with his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing research and model portfolios from LPL Research and third-party subadvisors.

Dennis Megaard is a financial advisor with Cetera, holding the PFS™ and Series 66 designations and over 20 years of industry experience. His prior firms include Avantax Advisory Services and 1st Global Advisors Inc., and he has been co-owner of the CPA firm Paulsen Megaard & Co. PS since 1982. Outside of advising, he serves as president and owner of a skilled nursing facility and treasurer for a private neighborhood water system. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors, serving individual clients, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management options, including model portfolios and third-party managers, managing over $256 billion in assets through more than 10,000 advisors.

Kai Hapke is a financial advisor at Ameriprise with Series 63 and Series 65 licenses and five years of industry experience. He has worked at Ameriprise since 2022 and previously held positions at Equitable Advisors, Amazon, and other firms. Hapke is also involved in managing an advisory business at Heritage Wealth Advisors LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that utilizes a centralized team to provide written recommendations and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Emily Faust is a financial advisor at UBS Financial Services with 21 years of industry experience. She has been with UBS since 2010 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and provides research and capital markets services through a broad platform.

Robert Tiegs is a financial advisor with Edward Jones in Mountlake Terrace, WA, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and affiliated investment products supported by a nationwide network of financial advisors and branch offices.

Nicole Murray is Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2026. She collaborates with clients and a team of specialists to assess situations, prioritize goals, and develop personalized investment and service strategies. Nicole is committed to exceeding client expectations through thoughtful relationships. She has been with Fidelity Investments since 2019, progressing through several roles including Financial Consultant, Wealth Management Planning Consultant, and various workplace planning consultant positions. Her experience spans comprehensive wealth planning and client relationship management. Outside of her professional role, Nicole enjoys camping, cooking and baking, gardening, hiking, outdoor adventures, and reading.

Megan Lockhart is a financial advisor with RBC Capital Markets and holds Series 63 and Series 66 designations. She has 20 years of industry experience, including 15 years at RBC Capital Markets and seven years at City National Bank. Outside of her advisory work, she is the owner and active manager of a vineyard in Kirkland, Washington. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients, offering a variety of advisory programs with tailored investment strategies and access to in-house and third-party managers.

Aaron Wolfe is a financial advisor at Edward Jones with 16 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2010, based in Mukilteo, WA. 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 discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated mutual funds through a nationwide network of financial advisors and branch offices.

Tracie Paige serves as the Vice President and Branch Leader at Fidelity Investments, overseeing the Lynnwood Investor Center. In this role, she leads a team of investment professionals committed to prioritizing client needs and enhancing their professional skills. She has held several positions within Fidelity Investments, advancing from Financial Representative in 2014 to her current role as Vice President and Branch Leader since 2026. Her experience spans wealth management planning, relationship management, and branch leadership. Throughout her career, Paige has focused on client service and team development within the investment industry.

Stacy Gilbert is a CFP® and Series 66 licensed financial advisor with Edward Jones in Seattle, WA, where she has worked since 2016. She has 10 years of industry experience. 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, and operates under a fiduciary standard.

Christopher Gwynn is a financial advisor at Cambridge Investment Research Advisors with 33 years of industry experience. He previously worked at Commonwealth Financial Network and Northstar Realty Securities. Gwynn is registered with the Series 63 and Series 65 credentials. Cambridge Investment Research Advisors serves a diverse client base, 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 independent Financial Professionals, using a range of portfolio management approaches and platform arrangements tailored to client objectives.