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.

William Beezley is a financial advisor at Olympic Financial Advisors, LLC with nine years of industry experience. He holds Series 63 and Series 65 designations and has been with Olympic Financial Advisors since 2016. Prior to this, he worked at East Jefferson Fire Rescue for nine years. Olympic Financial Advisors provides investment management and financial planning services to individuals, foundations, nonprofits, and corporate clients. The firm’s approach combines fundamental issuer analysis with a passive, asset-allocation strategy using index funds and ETFs, emphasizing long-term allocation and serving a notable mix of charitable organizations.

Michael Moore is an independent financial advisor with Peak Investments in Oak Harbor, WA, holding Series 63 and Series 65 licenses and bringing six years of industry experience. He has been associated with Retirement Income Planners since 2015 and has operated his own business under the name Peak Investments since 1997. Moore is also a licensed insurance agent selling fixed and equity-indexed annuities. Peak Investments provides personalized investment management and financial planning services to individuals, pension and profit-sharing plans, and small businesses. The firm emphasizes discretionary portfolio management based on client-specific objectives and is notable for its active role in pension consulting and its affiliation with an insurance business.

Thomas Nowak is a CFP® professional with 21 years of industry experience, currently serving as the sole advisor at Quantum Financial Planning LLC in Langley, WA. He has been with the firm since 2005. Nowak is also a published author on low-fee socially responsible and vegan investing, earning royalty income from his books. Quantum Financial Planning LLC provides financial planning and investment consultation to individuals, families, and small organizations, including retirement-plan advice and rollovers. The firm offers hourly, fee-for-service advice emphasizing long-term, diversified, tax-efficient, and low-cost investment strategies without ongoing discretionary management.

Jamie Low is a financial advisor at Palouse Capital Management, Inc. with 17 years of industry experience. He holds a Series 65 designation and has worked with Palouse Capital since 2025. In addition to his advisory role, he serves as a QuickBase Administrator for American Power Systems, LLC, a company specializing in DC power solutions. Palouse Capital Management provides discretionary investment management to individuals, corporations, pension plans, endowments, and foundations, as well as model-portfolio recommendations to other financial firms. The firm combines macro and cyclical analysis with fundamental research to create customized portfolios and offers a range of named strategies while managing both discretionary and model assets.

Stephen Guss is a financial advisor at Sound Investment Strategies, Inc. in Langley, WA, holding Series 63 and Series 65 licenses with 19 years of industry experience. He has been with Sound Investment Strategies since 2007. Sound Investment Strategies provides discretionary portfolio management and investment supervisory services to individuals, retirement and profit-sharing plans, trusts, estates, and corporations. The firm uses a combination of fundamental and quantitative analysis to tailor asset allocation and security selection according to each client’s risk tolerance, managing approximately $52.1 million in assets for around 97 clients.

Michael Herlevi is a financial advisor with TCFG Investment Advisors, LLC, holding a Series 66 designation and seven years of industry experience. His career includes roles at Edward Jones and Heritage Bank, and he currently serves as an insurance agent through TCFG Insurance Solutions. TCFG Investment Advisors provides advisory and planning services to a diverse client base, including high-net-worth individuals, profit-sharing plans, and charitable organizations. The firm employs a variety of investment strategies and offers both discretionary and non-discretionary portfolio management.

Tom Puentes is an advisor at PeachCap Tax & Advisory, LLC with 38 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at PeachCap since 2018, following prior experience at Kestra Private Wealth Services and Kestra Investment Services. Puentes serves on the boards of the Pacific Northwest Ballet and Seattle Opera. PeachCap Tax & Advisory, LLC is an SEC-registered firm with a team of six advisors managing approximately $147 million for individual and high-net-worth clients. The firm offers discretionary portfolio management, third-party adviser recommendations, and financial planning, utilizing diversified, model-based portfolios and a range of investment strategies.

Sean Kelly is a CFP® with five years of experience in the financial services industry. He is currently with Navy Federal Investment Services, LLC and has prior experience at Farther Finance Advisors, LLC, Bank of America, and Merrill. Before entering finance, he served eight years in the United States Marine Corps. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union as well as individual investors and trusts, offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm uses model portfolios managed by third-party managers and provides ongoing account monitoring and due diligence.

Richard Keppler is a financial advisor with First Advisors National, LLC, holding Series 63 and Series 65 licenses and 13 years of industry experience. He previously worked at Redhawk Wealth Advisors, Inc. for four years and has been associated with Alliance Fund Distributors, Inc. since 1995. Outside of his advisory role, he is an independent insurance agent. First Advisors National manages discretionary assets for individual clients, including high-net-worth households, and offers investment management, third-party portfolio recommendations, and retirement plan consulting. The firm emphasizes selecting and monitoring third-party money managers and uses fundamental analysis to supplement individual security recommendations.

Aaron Lucero is a financial advisor with Stifel Independent Advisors, LLC, holding CFP® and ChFC® designations and possessing 26 years of industry experience. He previously worked at Wells Fargo Advisors for seven years before joining Stifel Independent Advisors in 2022. Outside of his advisory role, Lucero serves as a board member of the Coupeville Historic Waterfront Association and coaches fastpitch softball for the Coupeville School District. Stifel Independent Advisors serves a diverse client base including individuals, corporations, trusts, and public entities, offering brokerage and investment advisory services. The firm employs a collaborative planning process utilizing proprietary market assumptions and probabilistic modeling to develop tailored asset allocation recommendations.

Kellie Johnson is a Series 66-licensed financial advisor with Navy Federal Investment Services, LLC, with one year of industry experience. Her career includes roles at Navy Federal Credit Union, Boeing Employees Credit Union, and Pioneer Trust Bank, N.A. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union as well as individual investors and trusts, offering portfolio management, financial planning, and retirement-plan fiduciary services through model portfolios managed by third-party subadvisers.

Kurt Heyduck is a financial advisor with Stifel Independent Advisors, LLC, holding Series 63 and Series 66 designations and possessing 26 years of industry experience. He previously worked at Wells Fargo Advisors for seven years before joining Stifel Independent Advisors in 2022. Heyduck is also a 20% owner of Terra Firma Wealth Management, where he dedicates time outside of securities trading hours. Stifel Independent Advisors serves a diverse client base including individuals, corporations, trusts, and municipal entities, offering both brokerage and investment advisory services. The firm’s approach includes collaborative financial planning using proprietary capital market models and provides a range of discretionary and non-discretionary portfolio management options.

Fred Farris is a financial advisor with Stifel Independent Advisors, LLC in Coupeville, WA. He holds the Series 66 designation and has one year of industry experience. Outside of advisory work, he is a commissioned Notary Public in the State of Washington. Stifel Independent Advisors serves a broad range of clients including individuals, corporations, trusts, and municipal entities, offering brokerage and investment advisory services. The firm uses proprietary modeling and a collaborative planning process to provide tailored asset allocation recommendations.

Dane Lucero is a financial advisor at Stifel Independent Advisors, LLC with two years of industry experience. He holds a Series 66 designation and has worked previously at Terra Firma Wealth Management and Prairie Center. Lucero’s background also includes roles outside the financial sector, including experience at Washington State University and Penn Cove Farms. Stifel Independent Advisors serves a diverse client base including individuals, corporations, trusts, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach incorporates proprietary market assumptions and probabilistic modeling to create tailored asset allocation recommendations.

Thomas Buckingham Jr. is a financial advisor at Wedbush Securities Inc. with 56 years of industry experience. He has been with Wedbush Morgan Securities since 2009 and holds Series 63 and Series 65 designations. Outside of his advisory role, he publishes a quarterly investment newsletter through 401K Planning Group, LLC dba Mulberry Communications. Wedbush Securities serves a diverse client base including individual and high-net-worth investors, foundations, and institutional clients. The firm offers brokerage and SEC-registered investment advisory services across multiple asset classes and operates managed account and wrap fee programs alongside commission-based brokerage arrangements.

Jonathan Neville is a financial advisor at Key Investment Services LLC with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Skyline Advisors, Inc. and Thrivent Investment Management Inc. Outside of advising, he has experience managing a rental property. Key Investment Services LLC offers wrap-fee advisory programs and model-driven investment options to a diverse client base, including individuals, trusts, charities, and businesses. The firm primarily uses non-discretionary, model-based wrap programs supported by third-party managers and is affiliated with the KeyBank/KeyCorp banking group.

Valeria White is a financial advisor with First Command Advisory Services, holding a Series 66 designation and four years of industry experience. Her background includes service in the US Navy and roles at Walgreens prior to joining First Command. First Command Advisory Services serves individual, high-net-worth, corporate, and charitable clients through a multi-service platform that includes financial planning, discretionary asset management, brokerage, insurance, and banking products. The firm emphasizes advisor-led, face-to-face financial coaching and offers structured, year-long planning engagements alongside discretionary asset management guided by an in-house investment team.

Michael Carter is a CFP® with 42 years of experience in financial advising. He has been with Money Concepts Capital Corp since 1994. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm manages approximately $3.33 billion across about 14,700 clients through a range of managed programs and account structures, employing model portfolios, third-party sub-advisers, and both fundamental and technical analysis.

Joel Servatius is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has operated his own firm, Joel Servatius & Associates, since 2000 and has been affiliated with Transamerica Financial Advisors since 2012. Outside of finance, he owns Whidbey Ink, a silk screening business. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, and businesses, delivering services through a large advisor network and multiple program platforms that emphasize model portfolios and third-party managers.