Michael Doyle is a CFP® professional with 12 years of experience in financial advising, currently with Ameriprise in Bellingham, WA. He has been with Ameriprise and its affiliated entities since 2013, holding various advisory roles within the firm. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with substantial investable assets, providing tailored Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its advisory approach and operates as a large institutional provider with a broad range of advisory, brokerage, and insurance solutions.

Thomas Donaghy is a financial advisor with Wells Fargo Clearing in Bellingham, WA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

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.

Kelsey Klevenberg is a Series 66-licensed financial advisor with Edward Jones in Bellingham, WA, where she has worked since 2023. She has two years of industry experience and previously held roles at companies including Column, Route Line, Taqtile, OYO, and Zipwhip. Klevenberg serves on the Bellingham Police Department Chief's Advisory Council. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,000 financial advisors.

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.

Bonnie Packo is a financial advisor with LPL Financial based in Bellingham, WA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. She has been associated with Linsco Private Ledger since 2006. She operates a private wealth management business under the name Packo Private Wealth Management, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, through a national network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

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.

Robin Remhof is a financial advisor with Edward Jones in Bellingham, WA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, Remhof held various roles including work with Bincie Media, Youth With A Mission, and as a self-employed photographer. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

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.

Kathryn Starkovich is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and 21 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. She serves as a board member for Habitat for Humanity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market research.

Karen Richards is a CFP®-certified financial advisor with 27 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously served at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jackson Phillips is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and previously worked at Independent Financial Group for seven years. Outside of his advisory role, he is involved with JD Phillips & Associates, a business related to his LPL activities. 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 range of advisory programs, financial planning, and retirement plan consulting, with access to various model portfolios and research resources.

Miranda Petersen is a financial advisor at Cetera with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has been involved with Steele Financial Services, Inc. since 2005, where she is a Vice President and 50% partner. Her background includes roles at Avantax and Growler Keep. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Nathan Musterer is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has worked at LPL Financial since 2007. Outside of his advisory role, he assists with a retirement home newsletter business through Active Aging LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers various advisory programs, financial planning, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with access to model portfolios and research.

Samuel Applegate is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY LLC since 2009. Outside of his advisory role, he is involved with Applegate LLC, a business related to farmland ownership. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs for individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Grant Rubbert is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he collaborates closely with clients to develop personalized financial strategies aimed at achieving their long-term goals. He leverages resources from Merrill and Bank of America to provide comprehensive wealth management solutions that adapt to changing market conditions. Grant’s expertise covers managing new wealth, portfolio management services, small business strategies, individual and corporate investment strategy, and retirement income planning. He holds a Bachelor’s Degree in Finance from Boise State University and the Personal Investment Advisor (PIA) designation. Beyond his professional responsibilities, Grant coaches high school basketball in Whatcom County, applying his experience as a former player to mentor young athletes. His personal interests include baseball, basketball, chess, golfing, pickleball, table tennis, boating, and spending time with family and friends.

Joshua Drummond is a financial advisor at Edward Jones with 15 years of industry experience and holds the Series 66 designation. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional investors. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Puckett is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Flexure, as well as spending 14 years at the University of Phoenix. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.