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.

Laura Kogen is a financial advisor at Fidelity with 16 years of industry experience. She holds the Series 63, Series 65, and Series 66 licenses and has worked at Fidelity Investments since 2011, including a prior year at Sand Hill Global Advisors. Outside of her advisory role, she is co-owner of Plum Berry Farm, where she is involved in tending fruit trees and processing fruit for sale. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a blend of proprietary fundamental research and quantitative analysis to construct model portfolios using systematic methodologies and long-term asset allocation benchmarks.

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.

Camille Koppenberg is a financial advisor at LPL Financial with 13 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at firms including Carson Wealth, CETERA Advisor Networks LLC, and Asset Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing proprietary research and third-party resources to support diversified investment strategies.

Keith Hamilton is a CFP® with 25 years of experience in the financial services industry. He has worked at LPL Financial since 2017 and previously spent eight years at Ameriprise Financial Services. In addition to his advisory role, he is involved in a family business selling used books and merchandise online. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and model portfolios, providing both discretionary and non-discretionary management options.

Liana Freeman is a financial advisor at Wells Fargo Clearing with a Series 66 designation and less than one year of industry experience. Prior to joining Wells Fargo, her work history includes roles at Mt Baker Ski Area Inc., Temsco Helicopters, and Dick's Sporting Goods. Wells Fargo Clearing provides retirement plan consulting services for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ryan Maskewitz is a Series 66 credentialed financial advisor with Edward Jones in Bellingham, WA, where he has worked for 15 years. He has spent his entire industry career at Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices across the United States.

Robert Naidu Jr. is a financial advisor at Edward Jones in Bellingham, WA, holding Series 63 and Series 66 licenses with 20 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including tax-efficient services and discretionary wrap fee programs, operating under a fiduciary standard.

Adam Faber is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Ameriprise since 2008. He is based in Bellingham, WA, and is involved as an elder on the board of directors for the First Christian Reformed Church in Mount Vernon, WA. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

John Okan is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to his investment career, he was involved with Immanuel Lutheran Church for eight years and continues to participate as a supply preacher and finance committee member for local church organizations. He also manages a short-term rental property in Deming, WA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and strategies, operating under a fiduciary standard and maintaining a large national network of advisors and branch offices.

Jose Ledesma is a financial advisor with Edward Jones in Bellingham, WA, holding the ChFC®, Series 63, and Series 66 designations and has seven years of industry experience. Before joining Edward Jones in 2020, he worked at Axa Advisors, LLC from 2018 to 2020 and served in the United States Marine Corps for 20 years. Outside of advising, he is an Airbnb host of a short-term rental property. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including non-high-net-worth and high-net-worth households. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jacob Anderson is a financial advisor with LPL Financial in Ferndale, WA, holding Series 63 and Series 66 licenses and having eight years of industry experience. Prior to joining LPL Financial in 2026, he worked for Thrivent Financial and Thrivent Investment Management Inc. from 2018 to 2026. His background also includes public service roles with the City of Burlington and Whatcom County Fire Districts. 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 financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from LPL Research and third-party subadvisors.

Jeremy Ferrera is a financial advisor at Edward Jones with 12 years of industry experience. He has been with Edward Jones since 2015 and holds Series 63 and Series 66 licenses. Outside of his advisory role, Ferrera teaches Reiki at the Center for Spiritual Living and the Unity Spiritual Center in Bellingham, WA. 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 and investment strategies, supported by a large national network of financial advisors and branch offices.

Michael Di Nino is a financial advisor at Edward Jones with a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2021, he held positions in various transportation and petroleum-related companies. Outside of his advisory work, he has been involved with Temple Builders Inc. in an administrative role. 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 and investment strategies supported by a large network of advisors and branch offices nationwide.

Maricel Dalere is a financial advisor with Wells Fargo Clearing in Bellingham, WA, holding a Series 66 designation and six years of industry experience. She has been with Wells Fargo Clearing since 2006. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, including a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

David Gould is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. He has 23 years of industry experience, including previous roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Sigma Financial Corporation. Outside of advising, he is involved in the ownership and management of a multi-unit apartment complex in Bellingham, WA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers both advisory and brokerage services through its integrated platform, utilizing model portfolios, third-party asset managers, and a range of financial products including insurance.

Judith Paulson is a CFP® professional at Cetera with 29 years of experience in financial advising. Her prior work includes roles at Thrive Business Group and Cetera Wealth Services, LLC, as well as operating her own firm, Paulson Financial Services, which provides investment planning and income tax preparation. Outside of her advisory work, she serves as treasurer for several organizations, including Acme Presbyterian Church, Whatcom Women’s Network, and the American Association of University Women-Whatcom. Cetera Investment Advisers LLC serves a broad client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that combines affiliated and third-party managers with various program structures and custodial relationships.