Claireese Baggao is a financial advisor at Layline Financial with seven years of industry experience. She holds a Series 65 designation and has previously worked with firms including Brio Financial Group, Taddei Ludwig & Associates, and Wells Fargo Capital Management. Layline Financial is an independent, fee-only firm serving individuals, high-net-worth clients, small business owners, and a diverse range of other client types. The firm employs a Modern Portfolio Theory framework with strategies such as ETFs, strategic factor tilts, and direct indexing, providing ongoing financial planning and discretionary portfolio management primarily through remote service.

Sara Cooper is the sole advisor at Cooper Capital, Inc. in Sandpoint, Idaho, with 20 years of industry experience and a Series 66 designation. She has led Cooper Capital since 2005 and was previously involved with Bend Beer Garden, LLC from 2021 to 2023. Outside of advising, she engages in freelance writing and manages two non-investment-related businesses, Bowden Holdings LLC and Pivo Peaks Alehouse LLC. Cooper Capital provides discretionary investment management and retirement-account advice primarily to individuals and high-net-worth clients, with occasional corporate clients. The firm emphasizes customized portfolio construction, focusing on high-grade fixed income and mortgage-backed securities, and allows clients to impose written investment restrictions.

Brad Williams is a financial advisor with Williams and Schiller Wealth Management, LLC, holding the PFS™ designation and Series 65 license, with 18 years of industry experience. He is also a Certified Public Accountant and a principal at Williams & Parsons, P.C. CPAs, where he has worked for over 30 years. Williams and Schiller Wealth Management provides investment management and comprehensive financial planning to individuals, business owners, qualified retirement plans, and select institutional or nonprofit accounts. Their investment approach is long-term and asset-class focused, utilizing diversified portfolios often implemented with no-load mutual funds, ETFs, and tax-aware strategies, supported by integrated accounting and tax services through their affiliated CPA firm.

Jeff Bynum is a financial advisor at Coho Advisory Services, LLC with 14 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Park Avenue Securities and Guardian Life Insurance Company. Bynum is the founder of Huntfund, an app designed to help users automate savings toward hunting budgets, which is expected to launch by the end of 2024. Coho Advisory Services manages approximately $52 million across about 150 client relationships, providing portfolio management, comprehensive financial planning, and retirement-plan consulting. The firm employs a core passive allocation with tactical active adjustments and primarily manages assets on a non-discretionary basis.

Mark Jensen is a financial advisor with Gradient Advisors, LLC in Sandpoint, Idaho, holding a Series 65 credential and nine years of industry experience. He has served in the Army National Guard and works concurrently with Legacy Global Financial Group. Outside of his advisory role, Jensen is active as a real estate agent with Remax In Action. Gradient Advisors, LLC provides investment management, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and business entities. The firm supports a large network of advisors, delivering tailored portfolio services primarily on a non-discretionary basis and utilizing a combination of fundamental, technical, and cyclical analysis.

Benjamin Warren is a CFP® professional with 20 years of industry experience, currently serving as an advisor at Clear Creek Financial Management, LLC since 2014. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he has ownership in Clear Creek RE Holdings, which manages the firm's office building. Clear Creek Financial Management serves individuals, including high-net-worth clients, trusts, pension and profit-sharing plans, other investment advisers, and business entities. The firm offers asset management, financial planning, consulting, and algorithm-driven research through its Helios Quantitative Research service, emphasizing continuous, individualized portfolio construction and a mix of fundamental, technical, and cyclical analysis.

Darin Hayes is a financial advisor with D.A. Davidson & Co. in Sandpoint, Idaho, holding a Series 66 designation and 20 years of industry experience. He has been with D.A. Davidson since 2005. Outside of advising, Hayes is involved in publishing and marketing several books through his businesses Munny Journey, LLC, Darin Hayes d/b/a Beer Money, and Let’s Save America, and he serves as a precinct committeeman for the Kootenai County Republican Central Committee. D.A. Davidson & Co. provides investment advisory and brokerage services to individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm offers a range of services including ERISA retirement plan advisory, wrap fee programs, equity research, comprehensive financial planning, and a private wealth program for high-net-worth clients.

James Zuberbuhler is a Series 66-licensed financial advisor with D.A. Davidson & Co. in Sandpoint, Idaho, where he has worked for 18 years. He serves as Chair of the Board of Trustees for Forrest Bird Charter School and holds board roles with several local nonprofit organizations, including Long Bridge Swim and Kaniksu Land Trust. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporations. The firm offers fiduciary advisory services, comprehensive financial planning, and a Private Wealth program for high-net-worth clients, while also acting as a municipal advisor and qualified custodian.

Daniel Hanson is a financial advisor with D.A. Davidson & Co. in Sandpoint, Idaho, holding a Series 66 credential and nine years of industry experience. He has served on several local non-profit and municipal boards, including roles as Treasurer for Bonner Community Housing Agency and Vice-Chairman of Friends of Stidwell. Hanson also holds leadership positions as President of the Whiskey Jack Owners Association and Board Member of the Kootenai Ponderay Sewer District. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and charitable organizations. The firm operates under the Advisers Act fiduciary standard and offers specialized services in retirement plan advisory, comprehensive financial planning, and private wealth management for high-net-worth clients.

Nancy Hadley is a CFP® with 25 years of industry experience, serving as a financial advisor at D.A. Davidson & Co. since 2001. She has involvement in nonprofit conservation organizations, including serving as finance chair for the Rocky Mountain Elk Foundation and as treasurer on the board of Hunt to Conserve, Inc. Additionally, she manages workforce housing projects and residential real estate development in Sandpoint, ID. D.A. Davidson & Co. provides investment advisory and brokerage services to individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm offers a range of services including ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards and employing both qualitative and quantitative investment analysis.

Candice Nelson is a financial advisor with D.A. Davidson & Co. in Sandpoint, ID, holding a Series 66 designation and 21 years of industry experience. She has been with D.A. Davidson & Co. since 2006. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm operates under fiduciary standards, offering services such as ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth.

Norman Ettinger is a financial advisor with Principal Financial Services in Sandpoint, ID, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been associated with Principal Securities Inc. since 1996 and Principal Life Insurance Co. since 1995. Outside of his advisory role, he is a co-owner of a real estate rental property. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Matthew Mire is a financial advisor at D.A. Davidson & Co. with eight years of industry experience. He holds a Series 66 designation and has worked at D.A. Davidson since 2018, following a 13-year tenure at Mountain West Bank. Outside of his advisory role, he is involved in a personal investment business unrelated to securities trading. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, and charitable organizations. The firm offers services under fiduciary standards, including ERISA-compliant retirement plan advice, comprehensive financial planning, and a private wealth program for clients with net worth exceeding $20 million.

Leo Schmeltzer is a financial advisor at D.A. Davidson & Co. with three years of industry experience. Prior to joining D.A. Davidson, he worked for eight years at Kodiak Aircraft Company. He holds the Series 66 designation. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including retirement plans, individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, equity research, and a Private Wealth program for clients with over $20 million in net worth.

Timothy Fry is a financial advisor with Eagle Strategies (NY Life) based in Sandpoint, ID. He holds the Series 65 and Series 63 designations and has one year of industry experience. Prior to joining Eagle Strategies, he worked at NYLIFE Securities LLC, New York Life Insurance Company, Bradley Insurance, Alternative CPA & Consulting, and Frydaho. He serves as treasurer for the Sandpoint Kiwanis, a volunteer organization focused on community and children's service initiatives. Eagle Strategies offers financial planning, investment management, and retirement-plan advisory services to a diverse mix of individual and institutional clients. The firm provides tailored advice through various program structures, emphasizing non-discretionary asset management and serving a broad range of plan sponsors and investors within an integrated New York Life affiliate framework.

Scott Tally is a financial advisor with Eagle Strategies (NY Life) in Sandpoint, ID, holding Series 63 and Series 66 licenses and having 18 years of industry experience. He has worked with Legacy Financial Group, Ltd since 2012 and Eagle Strategies since 2011. Outside of advisory work, he owns Insurance Edge, LLC, which focuses on health insurance commissions. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a broad network of affiliated representatives. The firm offers multiple program types tailored to client and plan sponsor objectives and manages the majority of its assets on a non-discretionary basis.

Cassandra Robinson is a financial advisor at D.A. Davidson & Co. with nine years of industry experience. She has held positions at Wells Fargo and D.A. Davidson & Co., where she has worked since 2019. Robinson serves as a board member and secretary of the Sandpoint Renaissance Association, a nonprofit organization, and is also a notary public for the State of Idaho. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including individuals, employer-sponsored retirement plans, and charitable organizations. The firm operates under fiduciary standards and offers services ranging from retirement plan advisory to private wealth management, employing both qualitative and quantitative methods in its investment approach.

Andrew Lee is a financial advisor with Money Concepts Capital Corp in Dover, ID, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Money Concepts since 1995 and also owns Tax Wise 1031 USA, where he provides tax planning education and consulting related to real estate tax codes. Additionally, he serves as an officer on a board of directors and owns a consulting business, Intelligent Real Estate Integration, Inc. Money Concepts Advisory Service (MCAS) offers portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm manages assets through a variety of programs, employing model portfolios and third-party sub-advisers, and serves approximately 14,700 clients across the enterprise.

Kenneth Wood is a CFP® professional at Edward Jones with 15 years of industry experience. He has been with Edward Jones since 2014. 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, including managed solutions and separately managed accounts, and operates under a fiduciary standard with approximately $1.01 trillion in assets under management.

Robin Mcgeorge is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various divisions of Morgan Stanley since 2013. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Alyse Ehrmantrout is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2016 in Sandpoint, Idaho. She holds the Series 66 license and has spent her entire advisory career with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and branch offices.

Jamie Endicott is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and four years of industry experience. He has worked at firms including Northwestern Mutual Investment Services, Wells Fargo Clearing, and Wells Fargo Bank. Endicott also serves as a retirement plan specialist at Anderson, Foe, Kent, Madsen & Associates, LLC, providing qualified plan consulting and participant education. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options and program structures.

Charity Hegel is a financial advisor with Edward Jones, holding a Series 66 designation and six years of industry experience. She has been with Edward Jones since 2019 and previously worked at Litehouse, Inc. for twelve years. Hegel serves as a board member for the Sandpoint Community Resource Center. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management and a network of over 23,700 financial advisors. The firm offers a range of advisory programs and investment strategies under a fiduciary standard, supported by its extensive retail advisor and branch footprint.

David Reseska is a Series 63 licensed financial advisor with Edward Jones in Sandpoint, Idaho, where he has worked since 1999, totaling 27 years of industry experience. Outside of his advisory role, he serves as president of Bluegate Nordic LLC, a nonprofit organization that grooms ski trails to provide free cross-country skiing access to the community. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment solutions, including discretionary and non-discretionary managed strategies, separately managed accounts, and affiliated mutual funds. The firm has a large nationwide network of advisors and branch offices, manages over $1 trillion in assets, and offers various services including tax-efficient portfolio management and proxy voting for client securities.

Caleb Bowman is a financial advisor at Edward Jones with 11 years of industry experience. He has been with Edward Jones since 2014 and holds the Series 66 designation. Outside of his advisory role, he is involved with a family limited partnership that manages inherited timber land. 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, supported by a large network of financial advisors and branch offices nationwide.

Keri Hill is a financial advisor at Edward Jones in Sandpoint, ID, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones, Hill worked at Pure Water Partners and M&T Bank. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,700 financial advisors.

Ryan Lester is a financial advisor with Edward Jones in Sandpoint, Idaho, holding Series 63 and Series 66 credentials and possessing 22 years of industry experience. He has been with Edward Jones since 2004. Outside of his advisory role, he owns a rental property in Woodbridge, Virginia. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm provides a range of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ronald Denova is a financial advisor with Ameriprise in Sandpoint, ID, holding Series 63 and Series 65 credentials and 16 years of industry experience. His prior roles include positions at LPL Financial and National Planning Corporation. He serves on the Investment Committee of the Innovia Foundation and is involved in managing advisory businesses through Heritage Wealth Advisors LLC and TPE Holdings, LLC. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning that combines proprietary research and third-party data to provide tailored, non-discretionary advice focused on dependable income sources and tax-aware withdrawal strategies.

Cheryl Smith is a Private Wealth Advisor at Merrill Private Wealth Management. With more than two decades of experience in wealth management, she specializes in areas including executive compensation, family wealth management strategies, legacy planning, LGBT wealth planning, and socially responsible investment approaches. Cheryl has also focused on serving clients in the sports and entertainment industries, as well as entrepreneurs and women seeking to enhance their financial futures. Before joining Merrill, Cheryl spent over ten years in the entertainment industry and co-founded an online investment club that offered fundamental stock analysis used by investment clubs across North America. She began her career at Morgan Stanley in 2004 and has since provided strategic financial advice to a diverse group of clients. Cheryl holds several professional designations including Certified Financial Planner (CFP), Accredited Domestic Partnership Advisor (ADPA), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Planning Counselor (CRPC). A native of the Bay Area, Cheryl earned her Bachelor's degree in Psychology and Business from the University of California, Los Angeles. She is a voting member of the Academy of Television and serves on the University of San Francisco's Dean's Circle Advisory Board for the School of Management, as well as having served on the university's Women in Leadership and Philanthropy advisory board. Outside of her professional commitments, Cheryl enjoys activities such as dancing, golfing, hiking, tennis, watching movies, and yoga.

Johann Schneider is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and previously worked for Russell Investments for 18 years before joining Cetera in various affiliated entities since 2021. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting discretionary and non-discretionary accounts across multiple program structures.

Kenneth Kovalchuk is a financial advisor at OSAIC with a Series 66 credential and three years of industry experience. His prior roles include work at Encoder Products Company, Amazon, and Financial Solutions Group, where he serves as a retirement plan specialist. OSAIC serves a diverse client base, including individual and institutional investors, providing integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary accounts with access to third-party managers and unified managed accounts.