Michel Smith is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. His career includes roles at VOYA Financial Advisors and various entities he owns or operates, including Plannetics, LLC, an expense management firm. Smith also works as an independent insurance agent. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures.

Hung Tran is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He previously worked at Bank of America and Merrill for ten years. Tran has ownership interests in a restaurant and bar in Seattle and a Tennessee football venture. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process is grounded in modern portfolio theory and includes a broader range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Heather Rock is a financial advisor at Robert Baird & Co. in Seattle, WA, holding Series 63 and Series 65 licenses with 40 years of industry experience. She has been with Robert Baird & Co. since 2014. Outside of her advisory role, she serves as a trustee for the French American School of Puget Sound and acts as an advisor and mentor for Waterlilly Caregiving Inc. She is also a director and owner of Treen Corporation, a private company. Heather is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises a broad range of clients including high-net-worth individuals, families, pensions, corporations, and charitable organizations. The group offers customized consulting and portfolio management services using a combination of in-house and third-party managers and provides both traditional and complex investment strategies.

Kimberly Monnahan is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 22 years of industry experience. She has worked at LPL Financial since 2022 and at Ameriprise since 2016. 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, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Blake Mc Allister is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation. His prior work experience includes roles at Techtronic Industries and The Golf Club at Newcastle. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

Fortun Azose is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. He is based in Seattle, WA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning services and manages approximately $2.74 trillion in client assets.

Karin Nilsson is a financial advisor at LPL Financial with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with LPL Financial since 2011. In addition to her advisory role, she works as a dealer or pit boss for a casino party vendor, managing events such as Christmas and corporate parties. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Adrian Hedwig is a financial advisor with LPL Financial in Bellevue, WA, holding a Series 66 designation and 13 years of industry experience. His prior experience includes a decade at CUSO Financial Services, LP. He also provides investment products and services through Salal Investment Services, a trade name used by LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Dwayne Dilley is a financial advisor with Cambridge Investment Research Advisors in Bellevue, WA. He holds Series 63 and Series 65 credentials and has 39 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliate since 2015. Outside of his advisory role, he works as an independent insurance agent and is involved with Puget Sound Retirement Services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing various portfolio management and model-based strategies tailored to client objectives.

Jeffrey Ratti is a financial advisor with Charles Schwab in Bellevue, WA, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at TD Ameritrade, Avenue Properties, Keller Williams Real Estate, and Calton & Associates, Inc. He has been with Charles Schwab and Charles Schwab Bank since 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary managed account services. The firm provides integrated brokerage, advisory, custody, and cash management services supported by multi-asset model portfolios and centralized operational processes.

Nathan Huveldt is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 27 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, with prior experience at Citigroup Global Markets dating back to 2003. Outside of his advisory work, Huveldt is involved in Best Life Medical Weight Loss, LLC, where he handles administrative and accounting roles. Morgan Stanley Wealth Management serves both individual and institutional clients with customized financial planning and investment advisory services, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and modeling tools but generally does not provide individual security recommendations within standalone plans.

Kenneth Lubkowski is a financial advisor with LPL Financial in Seattle, WA, holding a Series 66 designation and with 25 years of industry experience. He has been with LPL Financial and its predecessor since 2000. Outside of his advisory role, he is involved in non-variable insurance activities through a DBA called Financial Advocates and serves as an insurance agent part-time. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of financial planning and advisory programs alongside brokerage services, with access to model portfolios, third-party research, and various investment management options.

Jake Prather is a financial advisor with Ameriprise Financial Services LLC in Bellevue, WA. He holds the Series 66 designation and has one year of experience at Ameriprise, following prior roles in various industries including the United States Coast Guard and corporate positions. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Connor Stoeser is a financial advisor at Morgan Stanley with six years of industry experience. Prior to joining Morgan Stanley, he worked at Deloitte Tax for three years. He holds a Series 66 designation and is based in Bellevue, WA. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Tadeusz Markow is a CFP®-designated financial advisor with Cambridge Investment Research Advisors, based in Seattle, WA. He has 33 years of industry experience and has been with Cambridge Investment Research since 2007. He is also the owner of Markow Financial Group, which has operated since 1995, and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals using a variety of custodial platforms and proprietary as well as third-party investment strategies.

Elliott Doran is a financial advisor at RBC Capital Markets with a Series 66 credential and less than one year of industry experience. His background includes roles in media at Scripps News/KTVH and involvement with Gonzaga University New Student & Family Programs. He has also worked at Big Dipper Ice Cream. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that include portfolio management, financial planning, and brokerage services. The firm customizes investment strategies based on client risk profiles, utilizing both in-house and third-party managers.

Rod Greenshields is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a variety of advisory programs, including customized financial planning supported by firm-approved tools and outcome modeling. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Timothy Brown is a Series 66-credentialed financial advisor with 17 years of experience, currently with Morgan Stanley in Seattle, WA. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved as a partner in a publishing business, Beth Brown Books LLC, and serves as an independent distributor for health and energy products through AdvoCare. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that encompass broad retail and institutional offerings.

Kristian Maya is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Schwab, Maya worked at QuadCap Wealth Management and spent several years in full-time education. Maya is based in Bellevue, WA. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 solutions, leveraging multi-asset model portfolios and due diligence on alternative investments within an integrated operational structure.

Mark Peterson is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Ameriprise in Seattle, WA. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he serves on the Board of Directors for BSA Troop 1804 and 1564 and participates as a committee member. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing annual advice focused on income stability and tax-aware withdrawal strategies.