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.

Samuel Wensink is a financial advisor at LPL Financial with nine years of industry experience. He holds the CFP®, CFA®, and Series 66 designations. Prior to joining LPL Financial, he worked for Money Concepts Capital Corp and Money Concepts for a total of eight years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, with account management delivered through investment adviser representatives using a variety of strategies and third-party resources.

Jennifer Neeley is a CFP® with five years of industry experience, currently serving as a financial advisor at LPL Financial. Her prior roles include positions at Ellevest, Morgan Stanley, UBS Financial Services, and Lincoln Financial Advisors. She has been involved in founding an entity called Everline Financial for tax and investment purposes. 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 supported by technology and a large network of advisors.

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 at LPL Financial with three years of industry experience. He holds Series 63 and Series 65 registrations and has previously worked at Wells Fargo Clearing and Wells Fargo Bank. 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 a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a broad network of advisors and incorporates various tools and platforms to support strategic and customized investment approaches.

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.

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. Outside of his advisory work, he serves as an Aircraft Commander with the United States Coast Guard Auxiliary in Bellingham, WA. 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, model portfolios, and institutional platforms, supported by extensive resources and a network of more than 22,800 advisors.

Thomas Donaghy is a financial advisor with Wells Fargo Clearing in Bellingham, WA, holding Series 63 and Series 65 designations and 28 years of industry experience. He worked at Citigroup Global Markets from 1999 to 2004 before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Hilary Baumstarck is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill Lynch, Pierce, Fenner and Smith Incorporated since 1997 and Bank of America, N.A. since 2009. Outside of her advisory role, she is a limited partner in Pine Street Studios, a for-profit entity based in Portland, Oregon. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ryan Donaghy is a financial advisor with Wells Fargo Clearing in Bellingham, WA, holding a Series 66 designation and three years of industry experience. He has been with Wells Fargo Clearing since 2022 and previously operated Nickerson Street Painting, LLC for 13 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services grounded in an IPS-driven process based on modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings, serving a broad range of institutional clients.

Jenson Ellars is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and previously worked in hospitality and education before joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Israel Jacob is a financial advisor affiliated with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Raymond James Financial Services Advisors Inc. and Raymond James Financial Services, Inc., and has been associated with LPL Financial in two separate periods totaling over two decades. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party strategies, and supports its advisors with advanced operational and research tools.

Richard Steele is a CFP® and PFS™ with 26 years of industry experience. He is currently affiliated with Cetera and has held various roles at related firms, including Avantax and Steele Financial Services, which he owns and where he provides tax preparation, tax planning, and financial planning services. Outside of his advisory work, he is involved with the Bellingham Unitarian Fellowship as Stewardship Chair and participates in the Ruvara Marimba Ensemble. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers, supporting various investment strategies and program structures.

Daniel Rubbert is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Daniel collaborates closely with clients to develop personalized financial strategies tailored to their long-term goals. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the Montana State University System. Daniel is committed to community involvement and volunteers with local organizations. Outside of work, he enjoys camping, golfing, and hiking.

Tanner Jones is a Financial Advisor based in Bellingham, WA, currently working with Merrill Lynch Wealth Management. With three years at Merrill, he specializes in personal advising, retirement planning, trusts, and estates. He focuses on helping clients pursue their financial goals by developing personalized strategies that consider their unique priorities. His expertise includes college education planning, legacy planning, equity compensation services, managing new wealth, personal retirement planning, portfolio management, and retirement income. Tanner works closely with clients to provide ongoing guidance and access to additional banking and credit resources through Bank of America specialists. Tanner holds a Bachelor's Degree from Western Washington University and professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, Tanner has personal interests in chess, music, pickleball, reading, swimming, and traveling.

Dalton Hanks is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. Prior to joining Edward Jones in 2026, he worked in the renewable energy sector with companies including Our World Energy and Ion Solar. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory strategies, including discretionary wrap fee programs and separately managed accounts. The firm has a large network of financial advisors and branch offices, managing approximately $1.01 trillion in assets.