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 Easterday is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been employed since May 1997. He specializes in retirement planning and holds the Chartered Retirement Planning Counselor (CRPC) designation, among other professional credentials including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Mark's expertise encompasses retirement and college planning, estate issues, insurance, and managing significant liquidity events such as business sales and inheritances. He particularly works with clients who have irregular incomes, helping them budget and invest effectively to achieve financial independence. Mark collaborates with clients across multiple states and leads a team including a Registered Wealth Management Client Associate. He earned a Bachelor's Degree in Business-Finance from the University of Southern California and previously graduated from San Gorgonio High School. Mark resides in Coeur d'Alene, Idaho with his wife, Cherice. They are involved in their community, supporting the North Idaho State Fair and Rodeo Foundation and engaging with their Christian church. His personal interests include golf, fishing, football, horseback riding, and music.

Michael Armon Jr. is a financial advisor at Stifel with 8 years of industry experience. He holds the Series 66 designation and has worked at Stifel since 2018. Outside of his advisory role, he serves as a board member for Children's Village in Coeur D'Alene, Idaho. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

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.

Gregory Lester is a financial advisor at OSAIC with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones, LPL Financial, and Cross Financial Advisors. He operates a sole proprietorship, Cross Inland Wealth Management, providing account and asset management as well as financial planning. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs model-based asset allocation and portfolio optimization, delivering both discretionary and advisor-managed strategies supported by a complex network of affiliates and proprietary investment models.

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.

Billy Storlie Jr. is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill Lynch Pierce Fenner & Smith since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 financial advisor with 23 years of industry experience. He currently works at LPL Financial, joining in 2024, after spending over 14 years with Cambridge Investment Research Advisors, Inc. In addition to his advisory work, he owns and operates Dougherty & Associates, CPAs, providing tax preparation and accounting services. 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 advisory and brokerage services through a broad platform including financial planning, model portfolios, third-party asset management, and institutional programs.

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.

Michelle Brandel is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2008. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by a structured process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides financial planning through both direct client relationships and corporate agreements.

Stacy Jew is a financial advisor at Stifel with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Stifel Nicolaus & Co Inc since 2013, following positions at Morgan Stanley and Citigroup Global Markets. She is also a notary through the National Notary Association. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services. The firm uses proprietary investment analysis and allocation methods developed by its Investment Strategy Group to support client planning decisions.

Ricci Mancinelli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 33 years of industry experience. He previously worked at Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney for a combined 14 years. Outside of his advisory role, he owns RNR Ventures, LLC and is a passive investor in a cattle operation through VC Cattle Company LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and supports its clients through research-driven investment strategies and a range of brokerage and advisory solutions.

Chelsea Amann is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and five years of industry experience. Prior to joining LPL Financial in 2021, she worked for five years with the Riverside School District. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services primarily provided by investment adviser representatives using a range of customizable investment strategies.

Rusty Madsen is a financial advisor at Edward Jones in Post Falls, Idaho, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones in 2025, he worked at Wheatland Bank, Numerica Credit Union, and Columbia Bank. Outside of his advisory role, he owns a rental property managed by a third party. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large national network of advisors and branch offices.

Patrick Sembar is a financial advisor at OSAIC with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services, Morgan Stanley Private Bank, and Morgan Stanley. Outside of his advisory role, he owns a small insurance agency focused on fixed insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supporting various strategies through an extensive multi-advisor platform.

Brian Babb is a financial advisor with LPL Financial, holding a Series 66 credential and 21 years of industry experience. He has worked at LPL Financial since 2011 and previously held roles at Wells Fargo Clearing. Outside of his advisory work, he is involved with Whisk Agriculture LLC, a farming business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.