Stewart Meggs is a financial advisor with Merrill who holds Series 63 and Series 65 designations and has 32 years of industry experience. He has been with Merrill since 2009 and also has experience at Bank of America, where he has worked since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal investment teams and third-party managers, serving individuals, high-net-worth clients, and institutional investors.

Heather Bloom is a financial advisor with Raymond James & Associates in Coeur D Alene, Idaho, holding a Series 66 designation and 16 years of industry experience. She previously worked at Merrill for nine years before joining Raymond James in 2020. 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 diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services with a range of portfolio management styles and affiliated research.

Anthony Frei is a financial advisor with Thrivent Investment Management in Coeur d'Alene, ID, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2012. Outside of his advisory work, he serves as an elder for a non-denominational church and is a board member of the Blood Center Foundation of the Inland Northwest. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on holistic, goal-based planning without discretionary trading authority. Their services include various life event planning areas and offer a consolidated billing option called “WealthPlan” that separates planning from managed-account programs.

Bradley Marshall is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. His prior work includes roles at Cadaret Grant & Co., Inc. and Strategic Wealth Advisors Group, LLC. Outside of advisory work, he is the owner of THRIVE LINE LLC, a home-based business unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and access to research from multiple sources.

Michael Armon is a CFP® professional with 46 years of industry experience, currently serving as a financial advisor at Stifel Nicolaus & Co Inc since 2013. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he is a commissioner for both the North Idaho College Dormitory Housing Commission and the Lake City Development Corporation overseeing Coeur d'Alene's urban renewal district. Stifel serves a diverse client base including individuals, institutions, and municipal entities, providing brokerage and advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Cameron Ross is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and less than one year of industry experience. Prior to his current role, he worked at Northwestern Mutual Investment Services LLC and has held various positions in the food service and education sectors, including employment at Ahi Sushi Bar, Sawmill Grille, and Boise State University. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships using firm-approved tools and software.

Anthony Oss is a financial advisor with LPL Financial, holding a Series 66 designation and bringing nine years of industry experience. He has worked at firms including Avantax Advisory Services and 1st Global Capital Corp. Outside of advising, he is involved with Magnuson, McHugh & Co., P.A., a CPA firm where he has been engaged since 2010. 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 broad range of financial planning, advisory programs, retirement consulting, and brokerage services with capabilities spanning discretionary and non-discretionary management, model portfolios, and research from various sources.

Janice Myers is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 25 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Andrew Todaro is a financial advisor at Ameriprise with 10 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of his advisory role, he owns Hyperion LLC, a business related to managing his Ameriprise practice. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets. The firm offers a combination of advisory, brokerage, and insurance solutions, delivering non-discretionary, research-based retirement recommendations through a centralized consulting team.

James Elkins is a Series 66-registered financial advisor with Edward Jones in Coeur D'alene, Idaho, and has six years of industry experience. Prior to joining Edward Jones in 2019, he worked for five years at Lone Wolf Harley-Davidson. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a variety of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Mark R. Easterday is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management, where he has been employed since May 1997. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation through the College for Financial Planning Institutes Corporation and additional professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Mark focuses on retirement planning, assisting clients with college planning, estate issues, insurance, and managing large liquidity events such as business sales and inheritances. He works closely with clients who have irregular incomes to help them budget, save, and invest effectively. His practice serves clients across multiple states. A graduate of the University of Southern California with a Bachelor of Science in Business-Finance, Mark is Past-Chairman of the Alumni Association for the USC Marshall School of Business. In his personal life, he and his wife reside in Coeur d'Alene, Idaho. They participate in rodeo activities such as team roping and barrel racing and are active in their Christian church.

Michael Armon Jr. is a financial advisor at Stifel with seven years of industry experience and holds a Series 66 designation. He has been with Stifel since 2018 and previously worked in the travel and technology sectors. Armon serves as a board member for Children's Village, a nonprofit organization in Coeur D'Alene. Stifel provides brokerage and investment advisory services to a diverse client base, including individuals, institutional clients, and charitable organizations. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning decisions.

Renee Mancinelli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 32 years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney and Citigroup Global Markets. Outside of advisory work, she is a part-owner of a cattle operation in California. 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 utilizes research and analytics to support both brokerage and advisory solutions across a broad range of financial products.

John Sterling is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Edward Jones in Coeur d'Alene, ID. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies under a fiduciary standard, supported by a nationwide network of financial advisors and branch offices.

Kathleen Brown is a financial advisor with Primerica Advisors in Coeur D'Alene, ID, holding Series 63 and Series 65 licenses and having 24 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2002 and also owns Avocado Ranch (Casa Milagro) in Morro Bay, CA. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, using model-delivery strategies managed by unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing for execution and custody.

Breanna Valencia is a Financial Advisor with Merrill Lynch Wealth Management, serving clients in Coeur d’Alene, Idaho and the surrounding communities. With 10 years of experience in financial services, she works with individuals and families to develop personalized financial strategies that align with their long-term goals and evolving priorities. Her areas of expertise include investment management, retirement planning, education planning, family wealth management, legacy planning, tax minimization, and small business strategies. Breanna holds the Personal Investment Advisor (PIA) designation. She earned her high school diploma from Oak Ridge High School and attended the University of Nevada - Reno. She is committed to building long-term relationships based on trust and transparency, taking the time to understand what matters most to her clients to help them pursue their financial goals. Breanna provides ongoing advice and guidance as clients' needs change. Outside of her professional role, Breanna enjoys spending time with her family and engaging in activities such as camping, cooking, gardening, golfing, hiking, hunting, music, running, and skiing.

Ben Richards is a Senior Financial Advisor and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) at Merrill Lynch Wealth Management. He began his advisory career in 2003 and joined Merrill Lynch in 2011. Ben works with successful individuals, families, and business clients, using a holistic approach and innovative strategies to connect the diverse areas of clients' financial lives to their most important goals. His areas of focus include values-based investing, income investing and income distribution planning, charitable and asset transfer strategies, and risk management in capital preservation and asset growth. Ben holds a bachelor's degree in International Business and Economics from Western Washington University. Prior to his education, he lived in Norway and was involved in mountaineering and outdoors survival training at Valdres FHS. Ben has served on multiple community boards related to childhood education and senior care organizations, contributing his professional talents to their missions. He and his wife Jennifer, along with their children Freya and Owen, participate actively in local events and enjoy outdoor activities in the Pacific Northwest.

Jesse Balsimo is a financial advisor with Raymond James & Associates, holding a Series 66 designation and one year of industry experience. He has been involved with multiple business ventures in the wine industry, including Truvino, Inc. and Truvino Merchants, which also provides consulting services related to solar energy installations for agricultural clients. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services with a variety of portfolio management styles, supported by extensive research and specialist teams.

William Dougherty Sr. is a CFP® and PFS™ credentialed advisor with 23 years of industry experience. He is currently affiliated with LPL Financial and has a background that includes over 14 years at Cambridge Investment Research Advisors and extensive experience as a CPA through his firm, William P. Dougherty, CPA, PA. He also operates Dougherty & Associates, CPAs, providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Tonya Smith is a financial advisor with Morgan Stanley in Coeur D'alene, Idaho, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements with employers.