Cynthia Lowenstein is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, JPMorgan Chase Bank, and The Retirement Solution Inc. in addition to her current roles at Wells Fargo. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Garbooshian is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2001. Outside of his advisory role, he serves as a trustee for an investment-related trust and is involved as a lender in a non-investment-related real estate lending business. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, managing approximately $2.74 trillion in assets. The firm offers tailored financial planning supported by structured discovery processes and firm-approved tools, focusing on advisory services without individual security recommendations as part of its standalone planning programs.

Yihua Zhao is a Financial Consultant at Fidelity Investments, a position held since 2025. Prior to this role, Yihua served as a Planning Consultant from 2023 to 2025, a Relationship Manager from 2021 to 2023, an Investment Solutions Representative from 2020 to 2021, and a Customer Advocate from 2018 to 2020, all within Fidelity Investments. This progression highlights Yihua's extensive experience and commitment within the financial services industry. Yihua holds a California Insurance License, supporting expertise in financial planning and client advisory services. A personal statement reflects a deep passion for financial planning and an appreciation for the unique challenges involved in assisting each client. Outside of professional responsibilities, Yihua has interests in food, pets, table tennis, and traveling.

Dawn Guzman is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her career in financial services in 1987. Dawn focuses on delivering a holistic approach to managing wealth by listening to her clients' needs and ensuring each strategy is based on a clear understanding of their goals. She leverages the capabilities of Merrill Lynch Wealth Management and the banking services of Bank of America to address various aspects of her clients' financial lives. Dawn holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. She earned a High School Diploma from Bremerton High School. Her client focus areas include managing new wealth, personal retirement planning, and women and wealth. Having recently relocated to Arizona, Dawn enjoys golfing, boating, and spending time with her family. She is involved with the community through her work with First Tee of Seattle.

Michael Healey is a financial advisor with Morgan Stanley based in Seattle, WA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Prior to that, he worked at Citigroup Global Markets starting in 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and market outlook models.

Jorge Valcarcel is a CFA® charterholder with 10 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His prior experience includes roles at Citigroup, Parametric Portfolio Associates, Eaton Vance Distributors, and Nova Savia Group. He also serves on the board of Edmonds United Methodist Church, where he participates in budget and directional decisions. 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. The firm offers non-discretionary guidance, with clients retaining final decision-making authority.

Mark Matthews is a financial advisor with UBS Financial Services in Seattle, WA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with UBS since 1995. Outside of his advisory work, Matthews is active as a soccer referee and serves as a training director and instructor at a ski school. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary capital market assumptions and research to tailor financial plans. The firm operates with a broad platform that includes institutional trading capabilities alongside wealth management services.

Shaun Dennehy is a financial advisor with Robert Baird & Co. in Seattle, WA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Robert Baird & Co. since 2014. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio services, including discretionary and non-discretionary management, separately managed accounts, and specialized overlays, with a range of traditional and non-traditional investment strategies.

Mark Broughton is a CFA® with 10 years of experience in financial services, currently serving as a financial advisor at UBS Financial Services since 2022. His prior roles include positions at First Republic Investment Management, Bank of America, Merrill, Manning & Napier, and Rainier Investment Management. He serves on the advisory board of the Kirkland Boys & Girls Club, a charitable organization focused on community outreach and fundraising. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services through a broad platform of financial planning, portfolio management, and capital markets solutions.

Colleen Hale is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has seven years of industry experience, including six years at Pruco Securities, LLC prior to joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Malcolm Prevo is a financial advisor with Morgan Stanley based in Seattle, WA. He holds the Series 66 designation and has three years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Pugh Capital Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Christina Deatry is a financial advisor at Morgan Stanley with 23 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she also works as a notary signing agent, notarizing mortgage documents on a contract basis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and advanced modeling tools.

Justin Sinnott is a financial advisor with Charles Schwab in Seattle, WA, holding the CFP® and ChFC® designations along with a Series 66 license. He has 25 years of industry experience, including over two decades with Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. There are no notable outside business activities reported. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and centralized custody and supervisory arrangements.

Robert Mace is a financial advisor with LPL Financial in Seattle, WA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior roles include positions at Symetra Life Insurance Company and Symetra Securities, Inc. He is also affiliated with Washington State Employees Credit Union through WSECU Investment Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services supported by LPL Research and third-party subadvisors.

John Clendenin is a financial advisor with UBS Financial Services in Seattle, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been with UBS and its predecessor, Paine Webber, since 1998. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and employs proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Barrett Mc Aree is a financial advisor at UBS Financial Services in Seattle, WA, holding Series 65 and Series 66 licenses. He has worked at UBS, Truist, and Hoffman Financial Group since beginning his advisory career in 2022. Prior to that, he spent 15 years as a student. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor investment strategies.

Daniel Grigg is a financial advisor at Ameriprise in Seattle, WA, with seven years of industry experience. He holds Series 66 and Series 63 credentials and has worked at Ameriprise since 2022. His prior experience includes roles at Definitive Signings LLC and Definitive Paint LLC, where he remains active. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement planning advice focused on dependable income and tax-aware withdrawal strategies.

James Watson is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Pruco Securities, LLC and through his own firm, Watson Watson Financial Services. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

John Donovan is a financial advisor at UBS Financial Services with three years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America and Merrill. Prior to entering the financial industry, he held roles in education and community engagement. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services such as fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Lidija Jeric Hartman is a financial advisor at Wells Fargo Clearing in Seattle, WA. She holds Series 65 and Series 63 licenses and has been with Wells Fargo Bank since 2008. Her experience in the industry spans over 18 years. 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 operates at large scale with more than 14,000 financial advisors and roughly $671 billion in assets under management, offering both brokerage and advisory solutions.