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.

Corey Shaffer is a financial advisor with Edward Jones in Lynden, WA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he was self-employed at Ridge Worx and worked at Systima Technologies. 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 and investment strategies supported by a nationwide network of over 23,700 financial advisors and more than 15,000 branch offices.

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.

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.

Madison Maki Maxwell is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2023, Madison worked in supply chain solutions at United Parcel Service and held positions at T-Mobile, Shutterfly Inc, and Rue21. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that utilizes firm-approved tools and investment modeling techniques.

Max Shelton is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 23 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2002. Outside of his advisory role, Shelton is involved in property management and real estate ownership in Blaine, Washington. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning that utilizes structured discovery conversations and firm-approved tools to model outcomes.

Winifred Rosbach is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2020, as well as at Bank of America and Merrill Lynch from 2011 to 2020. She is based in Bellingham, WA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured discovery processes and advanced planning tools.

Steven Lipinski is a financial advisor with J.P. Morgan Securities and holds the Series 66 designation. He has two years of industry experience, including prior roles at Bank of America/Merrill Lynch and a twenty-year service record with the US Air Force. Outside of finance, he is involved in freelance writing and editing through a small business operated with his spouse. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm’s approach incorporates an ESG eligibility framework and offers a range of investment products through its institutional consulting services.

Misty Triplett is a financial advisor at LPL Financial with 15 years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2021. Her prior roles include operating her own firm, Triplett Financial Advisor, Inc., and involvement with various business and networking organizations. She has also engaged in business activities outside of finance, including management of Happy Renters LLC. 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 provides a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Matthew Crawford is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides clients with a customized wealth management approach tailored to their financial situation and evolving needs, incorporating investment insights from Merrill and services from Bank of America. Matthew’s areas of focus include college education planning, family wealth management strategies, liquidity management, and retirement income planning. With six years of experience in the finance industry, Matthew previously held a leadership role at another financial investment firm, where he improved branch performance significantly while maintaining strong client service. He holds several FINRA registrations, including Series 7, 66, 9, 10, and 24, and holds the Personal Investment Advisor (PIA) designation. He earned his high school diploma from Squalicum. Matthew has lived in Bellingham, Washington since childhood and values making a difference in his community. Outside of work, he enjoys boating, cooking, fishing, golfing, and spending time with his wife and two children.

John Phillips is a financial advisor with LPL Financial in Ferndale, WA, holding Series 63 and Series 65 designations and 38 years of industry experience. He previously spent 17 years with an independent financial group before joining LPL Financial in 2025. Outside of advising, he is involved with JD Phillips & Associates, Inc., a business entity associated with his LPL practice. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Josh Barrett is a financial advisor with Wells Fargo Clearing in Bellingham, WA, holding a Series 66 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, Barrett holds a 25% ownership interest in an investment-related entity, 2518 Meridian Properties, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Trey Naidu is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to rejoining Edward Jones in 2026, he worked in the restaurant industry and telecommunications. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options, managing approximately $1.01 trillion in assets.

Brian Lydiard is a CFP®-credentialed financial advisor with Edward Jones in Lynden, WA, where he has worked since 2001. He has 24 years of industry experience and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is a partner in a family tree farm business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a broad network of financial advisors, offering discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Theodor Pechthalt is a Series 66-licensed financial advisor with Edward Jones in Bellingham, WA, bringing four years of industry experience. Prior to joining Edward Jones, he worked in various roles including positions at Fred Meyer, Lumberyard Food Hall, and Washington State University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors.

Zachary Beckhusen is a CFP®-certified financial advisor with 12 years of industry experience, currently affiliated with LPL Financial. His prior work includes roles at Waddell & Reed, Beckhusen, Inc., and various insurance carriers. He also serves as a part-time instructor teaching a retirement planning course at Whatcom Community College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, employing both discretionary and non-discretionary management with access to model portfolios and research from various sources.

Virginia Tobin is a financial advisor at Merrill with Series 63 and Series 66 credentials and 31 years of industry experience. She has been with Merrill since 2009 and also has a longstanding affiliation with Bank of America, N.A., dating back to 2003. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Tod Asmussen is a financial advisor with Morgan Stanley Wealth Management in Bellingham, WA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at UBS Financial Services for 17 years. Outside his advisory role, he assists with marketing for a social networking business owned by his wife. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes using firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Nicola Barber is a financial advisor with UBS Financial Services in Bellingham, WA, holding a Series 66 designation and 24 years of industry experience. She has worked at UBS since 2006 and has been affiliated with U.S. Bancorp Piper Jaffray Inc. since 1996. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, using proprietary research and model-based asset allocations to tailor investment strategies.

Kellan Herndon is a financial advisor with Edward Jones in Lynden, WA, holding CFP® and ChFC® designations along with a Series 66 license. He has eight years of industry experience, including roles at Edward Jones since 2018 and prior positions in emergency services and education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm provides a range of advisory programs and investment options, operating under a fiduciary standard and maintaining a large national footprint of advisors and branch offices.