Jonathan Ludeman is a CFP® with 20 years of industry experience, currently affiliated with United Planners Financial Services of America, where he has worked since 2022. He previously worked at Centaurus Financial, Inc. for ten years and has operated his own advisory and capital management businesses since 2005. Outside of financial advising, he owns Blue Heron Hill Farm in Ferndale, WA. United Planners Financial Services serves a diverse client base including individuals, corporations, retirement plans, and institutional clients, offering financial planning, portfolio management, retirement services, and brokerage solutions through a network of 477 independent advisors. The firm uses an open-architecture platform with multiple custodians and supports both fee-based and commission-based arrangements.

Bradley Alvord is a financial advisor at D.A. Davidson & Co. in Bellingham, WA, holding a Series 66 designation with one year of industry experience. Prior to joining D.A. Davidson, he worked at Peraton, the Ballard Pizza Company, and the Bellevue Probation Department. D.A. Davidson & Co. offers investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporations. The firm provides a range of services from ERISA retirement plan advisory to wealth management for high-net-worth clients, operating under fiduciary standards and using both qualitative and quantitative analysis.

James Pyles is a CFP® with 22 years of industry experience, currently serving as a financial advisor at &PARTNERS since 2026. He previously spent 17 years at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he holds a 50% ownership interest in PEN & PLOW LLC. &PARTNERS serves a diverse client base including individuals, retirement plans, and institutions, offering investment management, financial and tax planning, and municipal advisory services. The firm employs a variety of analytical approaches and offers both discretionary and non-discretionary management through its in-house advisors and third-party managers.

Jacob Standaert is a financial advisor at Valic Financial Advisors with four years of industry experience. He holds a Series 66 designation and has prior work experience with Agia. Outside of his advisory role, he instructs biweekly Judo classes. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts using Envestnet’s platform, leveraging centralized technology and model solutions across its large advisor network.

Heidi Ludeman is a Series 66-licensed financial advisor with 19 years of industry experience. She is currently with United Planners Financial Services of America, where she has worked since 2022. Her prior experience includes roles at Centaurus Financial, Inc., and Ludeman Capital Management, Inc. Outside of her advisory work, she owns and operates Blue Heron Hill Farm in Ferndale, Washington. United Planners Financial Services is a national wealth-management enterprise serving a broad range of clients, including individual investors, retirement plans, and institutional clients. The firm offers advisory and brokerage services delivered through independent representatives and emphasizes primarily non-discretionary account management.

April Waldman is a financial advisor at Centaurus Financial, Inc. with 20 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked previously at Moody Securities, LLC and HedgeLab Capital Management LLC. Outside of her advisory role, she serves as treasurer for Le Rucher Mercy Ministries, a nonprofit organization. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, businesses, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, and retirement-plan consulting with a variety of discretionary and non-discretionary arrangements.

Sara Wynne is a financial advisor at Private Advisor Group, LLC with one year of industry experience. She holds a Series 66 designation and previously worked at Mariner Independent Advisor Network and LPL Financial LLC. Wynne’s background also includes roles outside finance, such as positions at Boise State University and Skyhawks Sports Academy. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and access to a variety of advisory programs. The firm employs a fiduciary-based model that incorporates multiple investment strategies and utilizes technology platforms to assist clients in achieving their financial goals.

Lindsey Maphumulo is a financial advisor with Ameriprise based in Ferndale, WA, holding a Series 66 designation and 13 years of industry experience. She has been with Ameriprise and its affiliated entities since 2011. Outside of her advisory role, she is employed by Scannell LLC as a Private Wealth Advisor. Ameriprise provides a retirement-income planning service geared toward individuals approaching or in retirement with significant investable assets, delivering tailored, non-discretionary recommendations through a centralized consulting team. The firm also offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Richard Rosbach is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and bringing 23 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Nicholas La Vigne is a financial advisor at Edward Jones in Ferndale, WA, with three years of industry experience. He holds a Series 66 designation and previously worked for Sound Beverage Distributors for 19 years before joining Edward Jones. 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 large nationwide network of advisors and branch offices.

Tyler Goodrich is a financial advisor at Raymond James Financial with five years of industry experience. He holds a Series 66 designation and has previous experience at GBC International Bank and Wells Fargo. He is also associated with Goodrich & Associates LLC, where he provides research support and serves as a financial advisor and office manager. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and uses analytical tools to illustrate potential outcomes, supporting implementation through advisory programs and partnerships.

Jennifer Neeley is a CFP® professional with five years of experience in the financial industry, currently advising through LPL Financial in Bellingham, WA. Her prior work includes roles at Ellevest, Morgan Stanley, UBS Financial Services, and Lincoln Financial Advisors, among others. She is involved in Everline Financial, a business entity for tax and investment purposes. LPL Financial is a national SEC-registered adviser and broker-dealer serving a diverse clientele, including individuals, retirement plans, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

David Rubbert is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career at Merrill Lynch 37 years ago and has developed expertise in areas including family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, and small business strategies. Throughout his career, he has worked closely with clients at various life stages to develop personalized financial plans aimed at pursuing their long-term goals. David holds a Bachelor's Degree from WWU and the designation of Personal Investment Advisor (PIA). He is committed to providing flexible wealth management strategies tailored to clients' individual financial pictures while leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Outside of his professional work, David is active in his community through volunteer efforts and enjoys spending time with his family and grandchildren. He also pursues outdoor activities such as fishing, golfing, hunting, and playing pickleball with friends.

Ruan Esterhuysen is a financial advisor with LPL Financial in Ferndale, WA, holding Series 65 and Series 63 licenses and three years of industry experience. Prior to joining LPL Financial, Esterhuysen worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Outside of his advisory role, he serves as treasurer for Mt Baker Bibleway Camp and is a board member of Bible Believers of Washington. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services supported by research, model portfolios, and technology-driven strategies.

Monica Jones is a financial advisor at Edward Jones in Bellingham, WA, holding a Series 66 designation with six years of industry experience. Prior to joining Edward Jones in 2019, she worked for Lease Crutcher Lewis from 2016 to 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a nationwide network of approximately 23,701 financial advisors. The firm offers a range of advisory programs including wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kirk Crawford is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also maintaining a role at JPMorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Craig Roth is a financial advisor with Edward Jones in Bellingham, WA, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Edward Jones since 2007. Roth serves as a board member of the Bellingham Golf & Country Club, where he participates in voting on proposals and overseeing the club’s financial welfare. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Marley Schiavone is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and two years of industry experience. Marley has worked with Thrivent and its affiliated firms since 2021 and previously was involved with Locker Room Fitness, LLC. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing comprehensive written recommendations on a range of financial planning topics. The firm emphasizes goal-based analyses and separates planning services from managed-account programs.

William Olsen is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds the Series 66 designation and has worked at various J.P. Morgan entities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment process.

Sean Jones is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior roles include positions at Boeing Employees Credit Union, Key Investment Services, Wells Fargo Clearing, and RBC Capital Markets. He serves as an Aircraft Commander in the United States Coast Guard Auxiliary in Bellingham, WA. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services supported by in-house and third-party research, as well as a variety of portfolio management options.