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 Cross Financial Advisors, LLC and LPL Financial, LLC. Lester manages a sole proprietorship, Cross Inland Wealth Management, providing account and asset management services. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

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 17 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets, Inc. since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside input from its Global Investment Committee to assist clients.

Stacy Jew is a financial advisor with Stifel, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Stifel Nicolaus & Co. Inc. since 2013. Outside of her advisory role, she is also a notary through the National Notary Association. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services that utilize a proprietary investment methodology developed by its Investment Strategy Group.

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, ID, holding a Series 66 designation. He has industry experience beginning in 2014 with prior roles at Columbia Bank, Numerica Credit Union, and Wheatland Bank. Outside of his advisory work, he owns a rental property managed by a third party. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and supports a large network of advisors and branch offices nationwide.

Patrick Sembar is a financial advisor with Osaic Wealth, Inc. based in Coeur d'Alene, Idaho. He holds Series 63 and Series 65 designations and has 12 years of industry experience, including prior roles at Morgan Stanley and Woodbury Financial Services. Outside of his advisory work, he owns a sole proprietorship unrelated to investment activities and is involved as an insurance agent for the sale of fixed insurance products. Osaic Wealth, Inc. serves a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, using advanced asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

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.

Callalily Ferguson is a financial advisor at Merrill with three years of industry experience. She holds a Series 66 designation and previously worked at BDO USA, LLP for ten years. Outside of finance, she has worked part-time representing and educating on skincare, haircare, and makeup brands through Beauty Barrage, LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Brian Parasida is a financial advisor with LPL Financial in Coeur D'Alene, ID, holding a Series 66 designation and three years of industry experience. He has previously worked with Avantax Advisory Services, Cambridge Investment Research, and CPA firms including Magnuson, McHugh, Dougherty CPAs, LLC, where he continues to provide tax and accounting services. Outside of advising, Parasida operates a CPA firm for tax purposes. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Eric Pemberton is a financial advisor at Morgan Stanley in Coeur d'Alene, Idaho, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Lyons O'Dowd Attorneys & Counselors, Lewis-Clark State College, and Gonzaga University School of Business. He is also involved in Eskre LLC, a property management and labor services business in Coeur d'Alene. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate agreements.

Michael Thayer is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Financial Advocates Investment Management and Three15 Capital, LLC. Thayer is involved with Three15 Capital, an investment-related business entity. 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 range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.