I began investing with my first mutual fund purchase in 1983. I've continued studying investments and financial planning ever since, becoming a member of the American Association of Individual Investors in 1984. I earned the Associate of Science in Electronics, from Gavilan College in 1986, the Bachelor of Science in Business Administration (cum laude) at Chapman University in 1995, Master of Business Administration at Columbia College of Missouri in 2002. I completed Boston University’s Online Program for Financial Planners in 2006, and most recently earned the Master of Science in Finance & Economics at West Texas A&M University in 2024. I began formally helping others reach their financial goals in 1991, as the Command Financial Specialist aboard USS Dixon (AS 37), as part of the US Navy’s then-new Personal Financial Management program. I served in the same position at Afloat Training Group in Yokosuka, Japan. After completing a Navy career, I worked at Bank of America, first in Northwest Dealer Banking, and was soon promoted to Investment Specialist in Retirement Services. I enjoy helping others apply principles of financial management to their personal situations and teach courses in: Personal Financial Planning; Business Finance; Principles of Real Estate; Investments; and Micro and Macro Economics for Columbia College in Oak Harbor and Marysville. I also taught Personal Finance & Investments for Skagit Valley College from 2004 through 2016. Penn Cove Financial, LLC was established in 2005 and began offering Financial Planning & Investment Management services to the public in March 2006.

Paul Murk is the sole advisor at Sequoia Planning & Investments LLC in La Conner, WA, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 27 years of industry experience and has been with Sequoia Planning and Investments since 1998. Sequoia Planning & Investments provides investment advisory and financial planning services to individuals, families, high-net-worth clients, and trusts. The firm employs a research-driven, long-term strategic asset allocation approach using primarily low-cost mutual funds and ETFs, with a focus on tax efficiency and client approval before trades.

William Beezley is the sole advisor at Olympic Financial Advisors, LLC in Port Townsend, Washington. He holds Series 63 and Series 65 licenses and has nine years of industry experience. Prior to founding his firm, he worked nine years with East Jefferson Fire Rescue. Olympic Financial Advisors provides investment management and comprehensive financial planning to individuals, high-net-worth clients, foundations, nonprofits, and business entities. The firm employs a passive, asset-allocation focused approach combined with fundamental analysis, emphasizing long-term allocation, tax efficiency, and limited trading.

Michael Moore is the sole advisor at Peak Investments in Oak Harbor, WA, holding Series 63 and Series 65 credentials with seven years of industry experience. He has operated a related business, Retirement Income Planners, since 2015, focusing on insurance products such as fixed and equity-indexed annuities. Peak Investments is an independent advisory practice serving individuals, small businesses, and sponsors of qualified retirement and profit-sharing plans. The firm offers personalized investment management and financial planning, emphasizing discretionary portfolio management, retirement planning, and plan-sponsor consulting.

Wayne Best is a financial advisor at Tamalpais Asset Management with 24 years of industry experience. He holds a Series 66 designation and has worked at Marin Wealth Advisors, LaSalle St. Investment Advisors, and other firms before joining Tamalpais. He is also the owner of Align Financial Services, which is compensated based on assets under management at Tamalpais. Tamalpais Asset Management is a team-based, SEC-registered investment adviser serving individuals, high-net-worth clients, trusts, endowments, qualified retirement plan sponsors, and business entities. The firm emphasizes passive investing through DFA mutual funds and ETFs within a process informed by modern portfolio theory, while also employing longer-term trading and tailored portfolio management.

Michael Herlevi is a financial advisor at TCFG Investment Advisors, LLC with eight years of industry experience. He holds a Series 66 designation and has worked at Edward Jones and Heritage Bank/Whidbey Island Bank prior to joining TCFG in 2021. In addition to his advisory role, he is also an insurance agent with TCFG Insurance Solutions. TCFG Investment Advisors manages approximately $639 million in client assets and serves individuals, profit-sharing plans, charities, and businesses. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, employing a range of analytical strategies and reviewing portfolios annually to align with client objectives.

Richard Keppler is a financial advisor at First Advisors National, LLC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Alliance Fund Distributors, Inc. since 1995. In addition to his advisory role, Keppler is an independent insurance agent servicing clients in Coupeville, WA. First Advisors National provides investment management, asset allocation advice, and retirement plan consulting primarily to individual clients, overseeing approximately $506.8 million in discretionary assets. The firm focuses on selecting and monitoring third-party money managers and integrates tactical and strategic asset allocation methodologies with fundamental analysis.

Kellie Johnson is a financial advisor at Navy Federal Investment Services, LLC with two years of industry experience. She holds a Series 66 designation and has worked exclusively within the Navy Federal Financial Group and affiliated entities since 2024, with prior experience at Boeing Employees Credit Union from 2018 to 2021. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management through advisory and brokerage channels. The firm utilizes third-party portfolio managers accessed via the Envestnet platform and offers specialized services including tax and impact overlays, as well as a Private Wealth Consulting program for high-net-worth clients.

Thomas Buckingham Jr. is a financial advisor at Wedbush Securities Inc. with 57 years of industry experience. He has been with Wedbush Morgan Securities since 2009. He also publishes a quarterly investment newsletter through 401K Planning Group, LLC, a business he owns. Wedbush Securities serves a diverse client base including individual investors, high-net-worth clients, foundations, and institutions, offering both brokerage and SEC-registered advisory services across wealth management, fixed income, commodities, and capital markets. The firm provides various managed account solutions alongside commission-based brokerage and clearing services.

Joel Servatius is a financial advisor with Transamerica Financial Advisors in Oak Harbor, WA, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has served on the Oak Harbor City Council and the Greater Oak Harbor Chamber of Commerce and is the owner of Whidbey Ink, a silk screening business specializing in T-shirt design and production. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with a range of fee-based and commission-based investment options. The firm features proprietary and third-party model portfolios and operates as both a registered investment advisor and broker-dealer.

William Mitchell is a Series 66 licensed financial advisor at Key Investment Services LLC with four years of industry experience. His career includes multiple roles at KeyBank and Wells Fargo, spanning from 2016 to the present. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and offers access to third-party discretionary managers. The firm emphasizes client direction in model selection while providing recommendations, ongoing monitoring, and supervisory oversight.

Patricia Cozine Cole is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has served on the North Whidbey Fire & Rescue Citizens' Advisory Committee and owns a business focused on purchasing, improving, and reselling foreclosed properties. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services through proprietary and third-party investment models.

Stephanie Gale is a Certified Financial Planner (CFP®) with 30 years of industry experience. She is affiliated with Commonwealth Financial Network and Gale Investment Management, where she serves as Proprietor and President. Her career includes long-term roles at Commonwealth Financial Network since 2005 and managing her own investment advisory firm. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors, offering various advisory programs and services including wealth management and retirement plan consulting. The firm supports its advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

Jeffery Pleet is a financial advisor with Edward Jones in Oak Harbor, WA, holding ChFC® and Series 63, 65, and 66 designations. He has 51 years of industry experience and has been with Edward Jones since 2009. He serves as a board member for the Northwest WA Estate Planning Council, participating in community outreach events. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of household types and corporate clients. The firm offers a broad range of advisory programs and investment solutions, supported by a large national network of advisors and branch offices.

Christopher Renfro is a CFP® professional with 12 years of experience, currently serving as a financial advisor at Edward Jones since 2014. He holds the Series 66 designation and is based in Coupeville, WA. Outside of his advisory role, he is involved as the assistant treasurer for the Central Whidbey Cooperative Preschool. 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 through a large nationwide network of advisors and offers a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Anne Kralman is a financial advisor at Edward Jones with 10 years of experience at the firm and holds a Series 66 designation. She is based in Camano Island, Washington. 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, including discretionary and non-discretionary strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services.

Susan Powers is a financial advisor with Edward Jones in Oak Harbor, WA, holding CFP®, ChFC®, and Series 66 credentials with eight years of industry experience. Her career includes multiple roles at Edward Jones since 2016 and previous work in education and entrepreneurial ventures. She is active in her community, serving in leadership and volunteer roles with local organizations such as Soroptimist International, the Oak Harbor Music Festival, the Ballet Slipper Conservatory, and Miss Oak Harbor. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and affiliated investment options. The firm is notable for its extensive nationwide advisor network and integrated offerings, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Matthew Anderson is a financial advisor with Edward Jones in Oak Harbor, WA, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 advisors and $1.01 trillion in assets under management.

William Baldwin is a financial advisor with Edward Jones in Oak Harbor, WA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Edward Jones since 2000. 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 strategies, supported by a large network of financial advisors and branch offices nationwide.

Jared Johnson is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2015. He holds a Series 66 license and is based in Camano, WA. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Andrew Lee is a CFP® professional with five years of industry experience, currently affiliated with LPL Financial in Oak Harbor, WA. His prior roles include positions at Kestra Advisory and Barrett Financial, among others. Outside of advising, he provides tax preparation and accounting services through Misty Mountains BookKeeping. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources.

Timothy Stelling is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has worked at Grove Point Advisors and Grove Point Investments and has been involved in coaching sports and fitness at Coupeville High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering various advisory programs, financial planning, and brokerage services through a large national network of investment adviser representatives.

Aaron Lucero is a CFP® and ChFC® with 26 years of experience in the financial services industry. He is currently affiliated with Equitable Advisors and has previously worked at Stifel Independent Advisors and Wells Fargo Advisors. Outside of his advisory role, he serves on the board of the Coupeville Historic Waterfront Association and coaches fastpitch softball for the Coupeville School District. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through program sponsors and endorsed third-party managers.

Gene Barner is a financial advisor at Edward Jones in Oak Harbor, WA, with 22 years of industry experience. He has been with Edward Jones since 2009 and holds the Series 63 and Series 65 designations. He serves as a board member at large for the Bayview West Condominium Association, participating in by-law review and oversight. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options. The firm operates under a fiduciary standard and is notable for its extensive retail advisor network and affiliated financial capabilities.

Kurt Heyduck is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions with Stifel Independent Advisors, LLC and Wells Fargo Advisors. In addition to his advisory work, he is a 20% owner of Terra Firma Wealth Management and serves as co-trustee of Terra Firma 401K. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, and institutional investors, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, emphasizing program sponsor partnerships and a mix of discretionary and non-discretionary asset management.

Fred Farris is a financial advisor with Equitable Advisors, holding a Series 66 designation and possessing one year of industry experience. He previously worked at Stifel Independent Advisors, LLC for four years and has additional experience dating back to 2015. Outside of his advisory role, he is a licensed Notary Public in the State of Washington. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, and institutions, offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm is dual-registered as an SEC-registered investment adviser and broker-dealer, working extensively with program sponsors and third-party managers to deliver advisory and brokerage solutions.

Diana Wynn is a financial advisor with LPL Financial in Oak Harbor, WA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with LPL Financial since 2016. In addition to her advisory role, she is involved in a family real estate appraisal business and is pursuing coursework to become a licensed real estate appraiser. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party resources.

Cynthia Casey is a financial advisor at Edward Jones with 29 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with Edward Jones since 2017. Outside of her advisory role, she is a vice president of Merry Heart Chicks, LLC, a holding company formed to potentially acquire rental property. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment options, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Christopher Frank is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including various types of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options under a fiduciary standard.

Helena Pleet is a financial advisor at Edward Jones with one year of industry experience and holds a Series 66 designation. Prior to joining Edward Jones, she worked in various roles, including positions at Deception Pass Tours and MOD Pizza, and studied at the University of Washington - Tacoma. Outside of her advisory role, she holds ownership interests in a holding company involved with relocation of her Edward Jones office. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm provides a range of investment advisory programs and maintains a large nationwide network of financial advisors and branch offices.

London Cook is a financial advisor with LPL Financial, holding a Series 65 designation and six years of industry experience. His career includes roles at Securities America Advisors, KMS Financial Services, and his own firm, Cook Wealth Management. Outside of his advisory work, he is involved with Cook Nadeau Ventures LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with research-supported model portfolios and technology-driven strategies.

Eric Schelling is a financial advisor at Edward Jones in Oak Harbor, WA, holding a Series 66 designation with 10 years of industry experience. He has been with Edward Jones since 2015. 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 and offers a range of advisory programs and investment strategies supported by a large national network of financial advisors and branch offices.

Alfred Bowman is a Series 66-credentialed financial advisor with 15 years of industry experience, all with Edward Jones since 2011. He is based in Port Townsend, WA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of investment strategies and advisory services supported by a large network of financial advisors and branch offices nationwide.

Constance Moore is a Series 66 credentialed financial advisor at Edward Jones with two years of industry experience. She has an extensive history with Edward Jones, spanning from 2009 to the present. Outside of her advisory role, she serves as Secretary of the La Conner Kiwanis, participating in regular and financial board meetings. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Anthony Soans is a financial advisor with LPL Financial, holding a Series 63 designation and 34 years of industry experience. Prior to joining LPL Financial in 2021, he spent nearly three decades at Avantax in various capacities. He is also the owner of Soans & Associates, Inc., a tax preparation and accounting firm, and owns QwikMarine.com. 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, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios, research, and technology-driven strategies.

Dawn Miller is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, she worked in physical therapy administration and international education. Outside of her advisory role, she occasionally dog sits for friends. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, supported by a large network of advisors and branch offices across the United States.

Joshua Kelley is a Series 66-licensed financial advisor with Edward Jones, based in Camano Island, WA. He has one year of industry experience. Prior to joining Edward Jones in 2024, he was involved in various roles including ownership of a self-employed business and management positions in the hospitality sector. He serves as a board member of Skagit Habitat for Humanity and is on the investment committee of the Skagit Community Foundation. 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 strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Darin Cook is a financial advisor with LPL Financial in Oak Harbor, WA, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. His prior roles include positions at Securities America Advisors, Inc., Securities America, Inc., and Kms Financial Services, Inc. Outside of advisory work, he is involved with ERDA, LLC and DAER Inc., business entities unrelated to investment advisory activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and research to provide both discretionary and non-discretionary management solutions.

Leonard Radziwanowicz is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leads a team that collaborates with affluent clients—including business owners, executives, tech leaders, and multi-generational families—to invest, grow, and transfer wealth effectively. Leonard employs a goals-based wealth management approach, customizing portfolios to align with clients’ unique goals, time horizons, and priorities, and coordinates comprehensive strategies with clients’ tax and legal advisors to enhance tax efficiency and support wealth transfer objectives. With more than 18 years of experience in wealth management and investing, Leonard joined Merrill Lynch in 2002 following a 20-year career as an Officer in the U.S. Coast Guard. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation among other professional credentials including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Leonard earned a Bachelor of Science in Economics and Management from the U.S. Coast Guard Academy, a Master of Business Administration from the University of New Orleans, and a Master of Public Administration from Seattle University. Leonard and his wife Lisa have lived in Seattle since 1988, where they raised their son. He has served on the Board of Directors for Pioneer Human Services and supports local organizations focused on youth and combating homelessness. Outside of work, Leonard enjoys outdoor activities such as boating, camping, hiking, biking, skiing, and paddleboarding, reflecting his connection to the Pacific Northwest.

Dane Lucero is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors in 2026, he worked at Stifel for three years and has held positions at Terra Firma Wealth Management, Prairie Center, and Washington State University. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, working extensively through program sponsors and endorsed third-party managers.

Scott Price is a financial advisor at Edward Jones with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Outside of his advisory role, he is involved as a managing member in property holdings and commercial real estate ventures on Camano Island and La Conner, Washington. Edward Jones is a full-service wealth management firm serving millions of individual and institutional clients across a wide range of household types and organizations. The firm offers various managed investment strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with a notable national advisor and branch presence.

Aaron Tabor is a financial advisor with Edward Jones in Oak Harbor, WA, holding a Series 66 designation and four years of industry experience. His prior work includes a 22-year career in the U.S. Navy and a position at Amazon from 2021 to 2022. Outside of his advisory role, he has expressed interest in working as a girls' lacrosse official for a local sports organization. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional clients, with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment solutions and maintains a large national network of financial advisors and branch offices.

Keith Buchanan is a financial advisor with LPL Financial in Port Townsend, Washington, holding a Series 63 designation and 39 years of industry experience. He has operated the Keith Buchanan Insurance Agency since 1995 and has been with LPL Financial since 1992. Outside of his advisory work, he is co-owner of Cleo & Grey, a business unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and retirement consulting, utilizing model portfolios and research from both in-house and third-party sources.