Melody Rose is a financial advisor at Merrill with five years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and Bank of America. 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 strategies for individual, high-net-worth, pension, corporate, and charitable clients.

John Kozol Jr. is a CFP® with 14 years of industry experience, currently affiliated with Cetera and serving as a financial professional at Headwater Wealth Advisors. His work history includes roles at First Allied Advisory Services and Cetera ADVISORS LLC. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Daniel Rosales is a financial advisor at Charles Schwab based in Bellevue, WA, holding CFP® and Series 66 credentials with five years of industry experience. His work history includes roles within various Charles Schwab entities since 2019 and a one-year position at DoorDash in 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through the Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm operates a large-scale, integrated client relationship model that combines non-discretionary advisory services with access to discretionary separately managed accounts and alternative investment programs.

Kayla Dumler is a financial advisor at Fidelity with Series 66 registration and one year of industry experience. Her prior work history includes multiple roles at Fidelity Investments and a position at Art Gamblin Motors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs through systematic methodologies and oversight controls.

Matthew Scher is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has served since 2002. He began his financial services career at T. Rowe Price Associates in Baltimore in 1997, focusing on high net worth investors. His professional experience also includes managing e-commerce marketing partnerships at drugstore.com and serving as a Supply Officer in the U.S. Navy. Matt holds a B.S. degree in economics from the United States Naval Academy and an M.B.A. from the Darden School at the University of Virginia. He has earned the Certified Private Wealth Advisor (CPWA) designation from the Investments & Wealth Institute, the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning Institutes Corp., and is also a Personal Investment Advisor (PIA). His expertise includes education planning, executive compensation, family wealth management strategies, liquidity management, and personal retirement planning. In addition to his professional commitments, Matt serves on the Board of the Bellevue Schools Foundation and participates as an interviewer for U.S. Naval Academy candidates. He resides in Yarrow Point, Washington, and enjoys tennis, pickleball, cooking, travel, and skiing in his spare time.

Thuong Pham is a financial advisor with Charles Schwab in Bellevue, WA, holding a Series 66 designation and seven years of industry experience. He has been with Charles Schwab Bank since 2019 and Charles Schwab & Co., Inc. since 2018. Prior to joining Schwab, his work history includes roles at Purdue University and Cabela's. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by in-house research and alternative investment due diligence.

Kevin Kramer is a financial advisor at Edward Jones in Kirkland, WA, with 10 years of industry experience. He holds the CFP® and Series 66 designations and has been with Edward Jones throughout his career since 2016. 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 solutions, operating under a fiduciary standard and supported by a large nationwide network of financial advisors and branch offices.

Shae Wiley is a financial advisor at Charles Schwab with four years of industry experience. Wiley holds the Series 66 designation and has worked at Charles Schwab Bank, SSB since 2022, following prior roles at Ernst & Young LLP and AmTrust Financial Monterey. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a non-discretionary client relationship model with access to discretionary separately managed accounts and provides centralized supervisory, custody, and order-routing services.

Justin Von Gortler is a financial advisor with Morgan Stanley in Kirkland, WA, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. 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, and manages approximately $2.74 trillion in client assets.

Cassidy Gordon is a financial advisor with UBS Financial Services in Bellevue, WA, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to joining UBS in 2024, Gordon held positions at J.P. Morgan Securities and JPMorgan Chase Bank. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Nellie Roubaud is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has held roles at Bank of America and Merrill since 2015, with a period of unemployment between 2018 and 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party teams, with customized portfolio implementation and various service features.

James Bennett Jr. is a financial advisor at Ameriprise with 36 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Bennett serves as a trustee on the Board of Directors at Whitworth University, where he participates on the Investment Committee. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research-driven analysis and tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Daniel Jiyamapa is a financial advisor with Ameriprise in Kirkland, WA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he owns Jiyamapa Consulting, which focuses on identifying, acquiring, and managing financial advisory practices. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports and combining research, modeling, and tax-efficiency analysis. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Alyssa Peponis is a financial advisor at Wells Fargo Clearing in Bellevue, WA, holding a Series 66 designation with two years of industry experience. Prior to joining Wells Fargo, she held positions at KPMG and D.A. Davidson and spent several years affiliated with Gonzaga University. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Julia Block is a financial advisor with LPL Financial, holding a Series 66 credential and five years of industry experience. Her prior work includes roles at Armoire, Inc. and J.Hilburn. She is based in Bellevue, Washington. 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 and model portfolio programs, supported by a large network of investment adviser representatives.

Jeremy Pawlak is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing customized, planning-led wealth management services for business owners, senior operators, and their families. His approach integrates investments, lending, retirement, insurance, and estate planning considerations to offer clients a comprehensive financial strategy. He works closely with clients' CPAs, attorneys, and bankers to coordinate and align personal and business wealth accumulation strategies. With years of experience, Jeremy focuses on helping clients reduce taxes, simplify financial complexity, and professionalize their strategies to ensure long-term alignment of personal and business plans. He assists clients in exploring opportunities to improve cash flow, strengthen business operations, and create continuity for future generations. Jeremy's work supports business owners and senior professionals in achieving clarity and confidence in both business and personal financial planning. Jeremy holds a Master's of Business Administration from Nova Southeastern University and a Bachelor's Degree from the University of Wisconsin. He holds professional designations such as Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA), and is a member of the CFA Institute and CFP Board. His personal interests include cooking, football, golfing, interior decorating, pickleball, surfing, and traveling.

Kelly Larkin is a financial advisor at LPL Financial with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Lincoln Investment Planning and Shelgren Financial Services. Larkin also operates Larkin Financial, LLC, a business entity for tax and investment 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 financial planning and investment management services supported by extensive advisor tools and diverse platform options.

Grace Roh is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America and Merrill for nine years. Roh is currently based in Redmond, WA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm’s advisory services are delivered on a non-discretionary basis, allowing clients to retain final decision-making authority.

Forrest Fielder Jr. is a financial advisor with UBS Financial Services in Fall City, WA, holding a Series 66 designation and bringing 25 years of industry experience. He has been with UBS Financial Services since 2000. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services supported by proprietary research and capital market assumptions.

Renee Hawkes is a financial advisor with UBS Financial Services in Bellevue, WA, holding Series 65 and Series 63 credentials and bringing 10 years of industry experience. She has worked at UBS since 2021, with prior roles at Pathstone, Cornerstone Advisors, and Coldstream Capital Management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor client strategies.