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.

Mena Masry is a financial advisor with Merrill in Bellingham, WA, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Masry worked at Bank of America and held roles in various businesses, including a managing partner position at Holy Family Day Care and a board membership at Archangels COC, a community-focused organization. Merrill, along 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Toni Taft is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Taft has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

David Deyoung is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. Prior to joining LPL Financial in 2026, he spent over two decades with Northwestern Mutual in various capacities. He serves as the Technology Chair for the Lake Samish Association, managing website updates and technology needs for the nonprofit. LPL Financial is a registered investment adviser and broker-dealer that serves individuals, retirement plans, institutions, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from internal and third-party sources.

Seth Anderson is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His career includes roles at Scottrade, TD Ameritrade, and Peoples Bank. 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 advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by research and technology-driven investment strategies.

Tyler Jorgensen is a financial advisor at LPL Financial with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Empower Financial Services, Equitable Advisors, and Axa Advisors. Outside of financial advising, he owns Dare2Live, a business sourcing discounted items online for resale on Amazon. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Margaret Connors is a financial advisor at Edward Jones with 13 years of industry experience. She holds a Series 66 designation and has been with Edward Jones throughout her career. 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 solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Ethan Brouwer is a financial advisor at LPL Financial with five years of industry experience. He holds a Series 65 designation and previously worked at Pinnacle Wealth for three years. Outside the financial sector, he has a background in agriculture, having been involved with Brouwer Farms for nine years. 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, retirement consulting, and brokerage services, utilizing model portfolios and research from in-house and third-party sources.

Stephen Dempsey is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He has worked at LPL Financial since 2020 and previously held roles at Securities America Advisors and Waddell & Reed. Outside of his advisory work, he is an author for Freehub Magazine and owns a tree service business. 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 broad range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Chavonne Horton is a financial advisor with Morgan Stanley in Bellingham, WA, holding a Series 66 designation and one year of industry experience. Before joining Morgan Stanley, she worked in various roles across construction and wellness sectors. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analysis to support clients’ financial goals.

Scott Caldwell is a Series 66-licensed financial advisor with LPL Financial, based in Bellingham, WA, and has 21 years of industry experience. Prior to joining LPL Financial in 2021, he was involved with multiple local organizations including The Bellingham Team, several youth soccer clubs, and nonprofit groups such as Blue Skies for Children and Junior Achievement NW Washington. 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 financial planning and advisory services, including model portfolios and retirement plan consulting, supported by research from LPL Research and third-party subadvisors.

Eric Ludwig is a financial advisor at Edward Jones based in Lynden, WA, holding a Series 66 designation with 14 years of industry experience. He has been with Edward Jones since 2012. 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 nationwide network of over 23,700 advisors and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds.

Scott Dirksen is a financial advisor with LPL Financial in Bellingham, WA, holding CFP®, Series 65, and Series 63 credentials and has 10 years of industry experience. His prior experience includes roles at First Republic Investment Management, First Republic Securities Company, and Bellingham Capital Management. 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, model portfolios, and retirement plan consulting.

Steven Webb is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 12 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Suzannah Gusukuma is a financial advisor at Mass Mutual Investors Services with 21 years of industry experience. She holds the Series 66 designation and has previously worked at Metlife Securities and METLIFE before joining Mass Mutual in 2016. Outside of her advisory role, she owns Lightning Tree Designs, a handmade arts and crafts business based in Bellingham, WA. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, collaborative planning engagements supported by firm-approved analytical tools and various event-driven planning programs.

Aaron Redd is a financial advisor with LPL Financial in Bellingham, WA. He holds a Series 66 designation and has three years of industry experience. His prior work includes roles at Peoples Bank and Western Washington University. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a wide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by internal and third-party research.

William Zollner is a financial advisor with Wells Fargo Clearing in Bellingham, WA, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Outside of his advisory role, Zollner operates a notary service in Bellingham. 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, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.