Ten Capital Wealth Advisors, LLC is an investment advisory firm based in Spokane, WA, established in 2011. The firm specializes in providing personalized Asset Management, Financial Planning, and Retirement Plan Advisory Services. They offer Asset Management services where portfolios are tailored to individual needs using various securities. Clients can place restrictions on investments, and certain operations are outsourced to third-party providers. The firm utilizes technology solutions from FinLife Partners to enhance services, with fees based on a percentage of assets managed. For Financial Planning services, clients receive tailored financial plans and consultations. Retirement Plan Advisory Services include investment advice and consulting for employer-sponsored retirement plans. The firm does not charge performance-based fees and serves various client types, including individuals and businesses. Investment strategies involve fundamental, technical, and cyclical analysis, with risks associated with each strategy outlined. Ten Capital engages in soft dollar arrangements with TD Ameritrade for brokerage services, with benefits received disclosed. Clients receive regular account reviews, and the firm does not accept proxy authority for voting client securities. For more information, clients can contact Chief Compliance Officer Tim Mitrovich at 509-325-2003.

Quantum Financial Planning Services Inc. is an SEC-registered investment adviser founded in 1979. The firm, owned by C. Eric Christiansen, Micah Coski, and Jordan Curnutt, specializes in fee-only, comprehensive financial planning and investment management. Services include personalized financial planning for individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. Quantum offers tailored relationships based on individual client needs and goals, with services including initial financial planning, ongoing financial planning, asset management, and ongoing asset allocation. The firm's investment strategy focuses on strategic asset allocation, utilizing a combination of actively managed and passively managed funds for global diversification. Quantum charges fees based on a percentage of assets under management, with a maximum annual fee of 1.05%. The firm also offers initial financial planning services at hourly rates or flat fees based on complexity. Clients with assets under $500,000 are billed a minimum fee of $1,250 quarterly. Quantum does not charge performance-based fees and does not base fees on capital gains. The firm does not have any disciplinary events to report and does not engage in soft dollar arrangements. Clients receive regular account reviews and statements from the custodian. Quantum does not vote proxies on securities and does not accept referral fees. The firm has no financial impairment that would impact client commitments.

Northern Capital Management, Inc. is a registered investment advisor established in 1992, specializing in Financial Advisory and Financial Planning Only services. The firm offers tailored investment advice based on individual financial situations, risk tolerance, and long-term goals. Clients can choose between asset management only or include financial planning topics such as budgeting, retirement planning, tax management, and more. For new clients with a Washington State Medical Association membership, fees range from 0.9% annually on assets up to $3,000,000 and 0.675% thereafter. Financial Planning Only services are available exclusively to WSMA members, with fixed fees ranging from $1,500 to $3,000. Northern Capital does not engage in performance-based fees, side-by-side management, or receive compensation for the sale of securities. The firm does not have a disciplinary history and provides clients with quarterly reports and financial plans. Clients have the option to grant discretionary trading authority, and Northern Capital does not vote on client securities. The firm does not have custody of client assets unless appointed as trustee, power of attorney, or personal representative. Northern Capital receives economic benefits from Schwab and WSMA for marketing activities and client referrals. The firm has no financial commitments impairing its ability to meet client obligations.

Vickerman Investment Advisors, Inc. is a Registered Investment Adviser established in 2021, located in Spokane, WA. The firm offers ongoing investment management services to various clients, including individuals, high net worth individuals, foundations, retirement plans, charitable organizations, institutions, trusts, and estates. Services provided include investment management, portfolio trading, financial planning, retirement and estate planning, and tax consulting. The firm may utilize mutual funds or exchange-traded funds without transaction fees based on client goals. Clients can impose restrictions on investments, and discretionary accounts allow for transactions aligned with client objectives. The firm manages a total of $466,604,869 on a discretionary basis as of December 31, 2024. Advisory fees are charged based on a tiered percentage of assets under management: 1.00% on the first $1,000,000, 0.75% on the next $2,000,000, and 0.50% on amounts over $3,000,000. Vickerman does not charge performance-based fees. The investment philosophy is based on Modern Portfolio Theory, utilizing various sources of information for advice. Clients are advised on potential risks associated with investing, including market, business, financial, and credit risks. The firm has no disciplinary information to report and operates with a Code of Ethics to ensure integrity and client-focused service. Vickerman primarily works with Charles Schwab as a custodian for transaction costs. Clients receive regular account reviews and statements. The firm has investment discretion for client accounts and does not vote proxies on behalf of clients. Vickerman does not have custody of client assets except in specific situations. The team includes Michael J. Vickerman, Jr., Chris Grasmick, Jeremy Houy, and Marcus Holzschuh, each with their educational backgrounds and business experiences detailed in the brochure.

MB Generational Wealth, LLC, also known as MB Gen Wealth, is a registered investment advisory firm established in 2023 by David Martin, Andrew Bloom, and Mark Burnham. The firm offers investment management, financial planning, and consulting services to clients with discretionary and non-discretionary authority. Clients are required to enter into a written agreement with the firm, and when advising on retirement accounts, MB Gen Wealth acts as a fiduciary. The firm's investment strategy involves creating customized portfolios using various investment vehicles such as funds, stocks, bonds, and certificates of deposit. Clients have the option to provide input on their portfolios, but in non-discretionary accounts, client permission is required for trades. MB Gen Wealth may also utilize sub-advisory services for client accounts. The firm's fee structure includes a maximum fee of 1.5% of assets under management, with fees negotiable based on factors like account size and client loyalty. The firm does not charge performance-based fees or participate in side-by-side management. MB Gen Wealth primarily serves high-net-worth individuals, pension and profit sharing plans, trusts, estates, charitable organizations, and corporations, with no minimum account size specified. The firm's investment analysis involves fundamental analysis, modern portfolio theory, and cyclical analysis to determine suitable investment strategies for clients. Clients receive regular reports and account statements, and the firm does not accept commissions for the sale of securities. MB Gen Wealth emphasizes its fiduciary duty to act in the best interest of clients and has established a Code of Ethics to guide its conduct. The firm does not compensate individuals for client referrals and holds client accounts at qualified custodians like Charles Schwab and Fidelity. Clients have the option to grant discretionary authority for transactions, and MB Gen Wealth does not vote on client securities. The firm has no financial issues that could impact its ability to serve clients effectively.

Demars Financial Group LLC is a Registered Investment Adviser based in Spokane, Washington, providing personalized investment advisory services since 1999. The firm offers asset management services, financial planning services, limited pension consulting services, and selection of other advisors. Clients receive continuous and focused investment advice tailored to their needs and objectives. The firm requires discretionary authority to manage accounts, allowing them to make investment decisions on behalf of clients. Asset management services may include customizing investment portfolios or utilizing model portfolios. The firm primarily advises on mutual funds, exchange-traded funds, equities, variable annuities, corporate debt securities, and municipal securities. As of December 31, 2024, the firm manages $282,385,164 in client assets on a discretionary basis and $8,884,000 on a non-discretionary basis. The firm charges fees based on a percentage of assets under management, with a negotiable fee structure. Financial planning services are offered at a negotiable fee of $250 per hour. The firm discloses potential conflicts of interest related to compensation, brokerage practices, and additional financial industry activities. The firm operates under a fiduciary standard, acting in the best interests of clients. The brochure also includes information about the firm's principals, their educational backgrounds, business experiences, certifications, and any disciplinary information available.

Lodestone Wealth Management, established in October 2009, is a registered investment advisor based in Spokane, WA. The firm, led by Daniel Murphy and Andrew McDirmid, offers discretionary portfolio management and financial planning services to clients. Clients' portfolios typically consist of a mix of publicly traded exchange-traded funds, mutual funds, individual stocks, and fixed income securities. The firm may also engage third-party investment advisors ("Separate Managers") when deemed beneficial for clients. Clients have the option to impose restrictions on investments, with continuous portfolio reviews to align with their goals. The firm charges an annual asset-based management fee, with rates ranging from 1.25% to negotiable percentages based on total assets under management. Additionally, financial planning services are offered at fixed rates. Lodestone Wealth Management does not participate in wrap fee programs and managed assets totaling $306,205,522 as of 12/31/2024. The firm acts as a fiduciary, putting clients' interests first, and does not charge performance-based fees. Clients are encouraged to review custodial statements and reports provided by the custodian for account activity. The firm does not compensate for client referrals and maintains a Code of Ethics to ensure ethical business practices. Lodestone Wealth Management recommends Charles Schwab & Co., Inc. or Fidelity Brokerage Services, LLC as custodians, with a focus on best execution and minimizing trading costs for clients.

Northern Capital Retirement Services, Inc. is a registered investment advisor specializing in comprehensive retirement plan services for employers, retirement plan sponsors, trustees, and participants. Founded in 2012, the firm focuses on retirement plans such as 401(k), 403(b), Defined Benefit, SIMPLE IRA, and SEP plans. The principal owner, James K. Wilson, has been providing advisory services since 1992. Northern Capital Retirement Services acts as a fiduciary, offering consultation on plan types, investment options, and third-party selection. The firm charges a management fee based on assets under management, with tiered rates starting at 0.50% annually. For new clients with a Washington State Medical Association membership, the fee schedule is tiered starting at 0.450%. The firm does not participate in wrap fee programs and has discretionary authority for managing plan assets. Clients receive quarterly reports summarizing account assets, performance, and allocation. NCRS does not engage in performance-based fees, side-by-side management, or soft dollar arrangements. The firm has no disciplinary history and does not receive compensation for the sale of securities. Clients have the option to impose restrictions on investments, and the firm does not vote on client securities proxies. NCRS does not have custody of client assets but works with qualified custodians for account maintenance.

Richards Merrill Wealth Management, established in 2000, is a full-service Broker-Dealer firm owned by Steve Larson and John Larson. They offer Investment Supervisory Services tailored to individual client goals, risk tolerance, and time horizon, including creating Investment Policy Statements. Financial Planning Services are also available, providing advice on asset classes and investment vehicles. The firm's investment strategies involve charting, fundamental, technical, and cyclical analysis. They manage assets totaling $166,392,734 under discretionary management and $123,635,208 under non-discretionary management. Fees are charged quarterly based on account value, with rates ranging from 0.67% to 1.00% depending on the program. Clients are responsible for third-party fees, and RMWM does not participate in wrap fee programs. The firm serves various clients, including individuals, high-net-worth individuals, and corporations, with no minimum account size required. RMWM acts as a fiduciary for retirement accounts, ensuring advice is in the client's best interest. The firm discloses disciplinary information and maintains a Code of Ethics. Clients receive regular account reviews and reports, and RMWM does not accept proxy voting authority for client securities. Financially, the firm has no conditions impairing its ability to meet client commitments and has not filed for bankruptcy in the last ten years.