HBW is proud to welcome our newest associates:

Matthew Bowers

Matthew Bowers
After graduating from Ambrose in 2017, Matthew attended Seattle Pacific University on an ROTC scholarship. Despite the generous scholarship and income from a job on campus, Matthew still came home from his first school year with drained savings and many student loans. This was Matthew's first sign that he had no idea how to handle his finances.

Feeling lost, he dusted off a copy of the Total Money Makeover by Dave Ramsey and began devouring financial literacy content. He knew he had to make a change. He picked up extra shifts at Big City Coffee, working 60-hour weeks on a mission to repay his loans before returning to school in Seattle. One week before classes resumed, Matthew paid his final installment and changed his major to Business Finance. For the next three years, Matthew took 21 credits per semester, worked three jobs, and never took additional loans.

Throughout his financial journey, classmates, friends, and family took notice of his efforts and began to seek Matthew's advice on budgeting, paying debts, and investing. He thoroughly enjoyed this new opportunity to coach and mentor others and decided to make a career of doing just that. After graduating in 2021, Matthew returned to Boise and began working remotely as an advisor for a firm in Bellevue, WA. The joys of working from home quickly faded. This led Matt to search for a local firm and in 2024, Matthew decided to move to HBW Advisory.

He joins an experienced team of Ramsey trusted advisors. Matthew is excited to call HBW home for many years and can thank his coworker and fellow church member, Eric Rodland, for opening that door. He is passionate about helping people along the path to wealth and financial freedom.

Getting to Know Matthew

Matthew loves spending time with his family, friends, and fiance Morgan. You'll find him at his parents' house every Monday night for their weekly family dinner. Matthew enjoys being involved with his Idaho community. He's a member of the Eagle/Garden City Rotary Club and attends All Saints Presbyterian Church in Meridian. After work, he likes to hit the archery range, play pickleball with friends, or kick back to watch the Seahawks, Kraken, or Padres with Morgan.

Hobbies and Interests: Backpacking, archery, cooking, and studying history.

Bucket List: Summit all nine 12,000 foot peaks in Idaho.

Favorite Food: Mom's meatloaf

Favorite Book: The Land Was Everything by Victor Davis Hanson

Places I'd Like to Visit: Zagreb, Cairo, and Athens.

Favorite Movie: Frank Capra's It's a Wonderful Life

Hidden Talent: Crushing Karaoke

Bill & Linda Muse

Bill and Linda joined HBW Advisory in June after having spent over 25 years at Primerica Financial Services.

Linda grew up in rural Southside Virginia on a farm. She spent many
summers working with local farmers raising tobacco until she went away to college. Linda attended Longwood College in 1969. She was on the women’s basketball team at Longwood until an injury which caused her rethink her profession and she chose to transfer to The Medical College of Virginia graduating in 1972 with a B.S. in Clinical Laboratory Medicine. After graduation, she worked at the McGuire Veterans Administration Hospital for 2-3 years and then joined the private laboratory Physicians Clinical Laboratory in Richmond, Va. After 4 acquisitions and a merger she became the General Manager of LabCorp representing most of Virginia, and worked for the laboratory for almost 25 years.

In 1994, Linda was introduced to the Financial Services business. Linda resigned from LabCorp in 1998 and pursued building a financial services business full time. Linda has her Life, Health and Annuities license as well as her Series 6,63,65,26 licenses. Since receiving her Series 65 license in 2011, Linda has focused the past 10 years in managed account business helping her clients build wealth. We both are very excited about joining the team of advisors at HBW continuing our purpose in helping others build wealth.

Bill grew up in Richmond, Virginia, and is a graduate of Hampden-Sydney College (1970) and the University of Richmond Law School (1973). After spending 12 years in private practice, he joined the Virginia Attorney General's Office and served as a Senior Assistant Attorney General in the Correctional Litigation Section for 26 years. In 2011, he was appointed Chairman of the Virginia Parole Board and served in that position until his retirement in 2014. Bill has his Life, Health and Annuities license as well as his Series 6 and 63 and his Mortgage Originator's license. Throughout, his role in financial services has been supportive of Linda's business.

Linda and Bill live in eastern Virginia on the Corrotoman River and near the Chesapeake Bay. They are members of Crestwood Presbyterian Church and are active in their community. They both look forward to meeting their HBW associates at the Nashville meeting in October.

Adam Dowlen

Adam Dowlen
Adam is an IRS Enrolled Agent and also holds a Series 65 license. He earned his undergraduate degree from the University of Maryland, and a master's degree in Family Financial Planning from the University of Nebraska. Adam is passionate about helping people make fully informed decisions regarding their money allowing them to focus on what matters most to them.

Adam lives in the Dallas-Fort Worth area with his wife Rachel. He has three adult daughters, so he understands the importance of managing risk.

Roman Arteaga

Roman Arteaga
My name is Roman Arteaga and I am currently registered as a CA Series 65 Investment Advisor in company with a Life Insurance license. I also earned a Bachelor of Arts degree In Communications at California State University of Northridge.

Prior to financial services I was in the door to door sales industry where I have learned many valuable skills and lessons that I will bring to my clients at HBW. Grateful to be here and cannot wait to serve each client to the best of my abilities.

“Without continual growth and progress, such words as improvement, achievement, and success have no meaning.” ~ Benjamin Franklin

Bill Decker

Hello, I’m Bill Decker. I specialize in helping people financially prepare for retirement (The fourth quarter of life). Using a holistic approach, meaning managing your finances for the big picture — short- and long-term goals combined — rather than just going day to day, or ignoring distant future needs with a fundamental use of Securities and Insurance solutions. My focus is to help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times.
Despite the current volatility in the world today and the historically low-interest-rate environment that we have experienced there are still strategies that you can put in place right now to ensure that you do not run out of income and keep your money securely protected from future market downturns.
Being securities licensed Series (65,63,6,7) and Insurance licensed. You can be confident you will be guided with recommendations that follow fiduciary requirements and independent advice based on your values and goals, and not internal or incentivized products.

By specializing in– pre and post-retirees near, or in the retirement zone (the 5 year pre and post leaving your job) the focus is to create a client advisor relationship that provides a comprehensive step by step plan of action for you and what you need to do in the following areas: Cash Reserves, Debt management, Insurance, Tax strategies and assets allocations that will make your life better for today and tomorrow.
The most significant influence in my life has been my grandfather. While growing up, he used to take me to the Yankee Stadium and see Yankee greats like Reggie Jackson, Thurman Munson, Ron Guidry, and many others. I loved spending my vacations with him at his home and family-owned restaurant where I got to see first-hand how a dream, hard work, effort, and discipline could provide very satisfying rewards. He taught me about coin collecting, the value of money, and dedication and persistence. All of these lessons and memories have lasted my lifetime and those same fundamentals and values that my grandfather taught me years ago still apply today and what I strive to bring to my clients today.

Married to my wife Kathy since 1994 and I am the proud father of Bradley and Brittney Decker and humbled and grateful to be the grandfather of the amazing Kehlani Rose Decker.

Taylor Davis

Taylor Davis
Taylor’s desire to serve others is what led him to joining HBW. He served four years in the United States Marine Corps and served on three tours in Iraq. After his military service, Taylor opened multiple small businesses with his father and friends including auto shops, a towing company, and government contracting companies. He also worked as a firearms instructor at one of the largest shooting schools in the US. His passion is to help others better understand finances and achieve freedom through sound financial decisions.


Taylor received a bachelor's degree in international relations with an emphasis in global financial management from the University of Southern California. After finishing his bachelor’s, he completed his Master’s in Business Administration at the USC Marshall School of Business. He also received an executive coaching and leadership development certificate from Concordia University Irvine.

Getting to Know Taylor

Taylor and his wife, Lisa, love to spend time together and everything outdoors. They enjoy hiking, biking, camping, fishing, and many other activities.

Hobbies and Interests

Taylor enjoys pretty much anything outside. He is a long-distance runner and has done multiple runs from half marathons to 50-mile races. He enjoys hunting, fishing, working out, and, when in the right parts of the world, SCUBA diving and spearfishing. His wife sends him out every year to catch one of her favorite foods, lobster. He became a SCUBA instructor in 2016 and was a staff member with Dive Warriors, leading other disabled veterans on SCUBA trips, and volunteered as a chamber technician at the USC Catalina hyperbaric chamber.

Bucket List: To certify his wife to dive and take her to amazing locations throughout the world diving.

Favorite Food: Tri tip and tri tip sandwiches. (He makes his own rubs and sauces to BBQ with)

Places I'd Like to Visit: Everywhere. I’d love to go back to Africa and spend time in Central and South America.

Hidden Talent: Taylor can wiggle his ears.

Tim Steele

Tim Steele

I currently hold my series 65 license and recently joined HBW as an Adviser. I have been married to my beautiful, strong and patient wife (Guillermina) since 2012 and we have 3 wonderful children.

John Cheeseman

John Cheeseman

My name is John Cheeseman and currently hold a TX Life Insurance Agent license along with the Series 65 Investment Advisor registration. I also obtained the designation of Chartered Federal Employee Benefit Consultant (ChFEBC).

After receiving my degree from the University of Anchorage Alaska in Air Traffic Control, I enlisted in the United States Army, where I served for five years. During my enlistment, I completed my bachelor’s degree in Professional Aeronautics from Embry-Riddle Aeronautical University.

When I separated from the military I was hired at the Houston Air Route Traffic Control Center as an Air Traffic Control Specialist where I have worked since 2008. Over the past few years I’ve developed an interest in finance and made a decision to pursue a degree in business. I graduated with a MBA from the University of Phoenix in 2017 and have been looking for an opportunity to get involved in the financial services industry.

I have been married to my wife Stacy since 2006 and have four children. Gracie 12, Danial 10, Ellie 7 and Blake 5. In my spare time I enjoy spending time with my family and taking the kids bass fishing.
I am extremely grateful and excited for this opportunity with HBW Advisory Services.

Kenjo Saito

Kenji Saito decided to become a stockbroker during a trip to the New York Stock Exchange with his football team. He was attracted to the hustle and bustle of the exchange floor when it opened and could envision himself being a part of that after football.

As Kenji transitioned to the financial arena, he accepted a job that was offered to him while still playing football. He joined an independent brokerage firm and has been and advisor for over a decade.

During his career, Kenji has taught classes in retirement planning for Santa Barbara City College and lectured at University of California Santa Barbara. He has found that many people need a financial coach. His greatest strength is his ability to educate people allowing them to make informed decisions that affect the rest of their lives.

Kenji is extremely grateful for the opportunity to be part of the HBW Advisory Team.

Robert P. Sullivan

Robert Sullivan began his professional career as an associate attorney at one of Southern California‘s premier litigation firms. Deciding to follow his true passion, he entered the financial services industry in 2005 as Senior Vice President for KBS Capital Markets Group. Prior to joining HBW advisory, Robert’s last roll was the managing director of international markets for a multi billion dollar private equity firm.

After having worked for several years for some of the largest and most successful investment firms in the country, he decided the time was right and formed Goldhorn Capital Management LLC. His focus is on helping individuals navigate and assure their family‘s multi-generational financial well-being.

Robert holds a BA from California Polytechnic University San Luis Obispo and a Juris Doctorate from Californian Western School of Law. He currently resides on their “mini-ranch” in Newport Beach, CA with his family, Megan, Peyton and Kellan, four dogs, four horses and various other “little critters”. When he is not working or on his ranch with family and friends, he enjoys hunting, fishing, rodeo and surfing.

Bryan Bradford

Bryan Bradford

Bryan brings his personal approach to each client's financial planning process. He has been securities licensed since 1993 and obtained his series 65 Registered Investment Advisor in 2017. Bryan holds a Bachelors of Science in Corporate Finance, and currently working on his CFP and EA. Bryan built his practice on rolling back the fast moving world of financial planning by focusing on high touch and old school relationship building. He is one of the Dave Ramsey SmartVestor Pros in his area and has been teaching the Financial Peace University since 1997. He enjoys educating his clients and making a complicated subject and breaking it down to simple terms. He tells people he has a blue collar up brining with a white collar education, giving him the ability to relate to a wide variety of clients. He prides himself on surrounding himself with great minds, so he can provide more value than the advisor down the street. His right arm is his Office Manager Jennifer Stevens, who holds a Corporate Accounting B.A. and is finishing her EA. Upon completion she will head up an accounting and tax service to add additional services to our clients.

He is a U.S. Army Veteran and served in the Military Police Corp, as a disabled Veteran he has served his fellow Veterans as a Veteran Service Officer assisting them in getting their due benefits. He has become an important cog in his community, serving on many boards and raising funds centered on children, Veterans and the less fortunate.

Bryan has been married for twenty-five years and spends time serving at his church in multiple capacities, as well as, recently became an ordained Minister. He enjoys helping people take their next step God, as much as his joy for helping people become financially independent.

Bryan has restored a few classic cars in the past, the most recent was finishing a 1968 Corvette back to its' original condition, it took nearly ten years to acquire all the necessary parts. He loves spending time with his dogs and his wife.

Favorite quotes he is known for: "It's more important to get it right, then to get it fast", "I don't to have it on top, if I have it on tap", and the famous, "Trust but verify" from Ronald Reagan

Neal Davis

Neal Davis

A smart man once said, "it's not just a sum of money, it's someone's lifetime of hard work...so treat it accordingly."

Neal Davis applies this simple mandate to each and every client under his financial care. Neal understands that near the end of their careers, it's important to ensure that his clients are never faced with prospect of having to re-enter the work force to rebuild their nest egg. To do this, he draws on decades of experience in family and small business financial planning, investment management, tax and estate planning as well as retirement income and risk management strategies. Neal also adheres to the philosophy of keeping it simple by applying common sense and plain English to the world of investing.

A native of Virginia, Neal received his Bachelors' degree in Political Science from Hampden-Sydney College in 1988 and his Masters Degree in Accounting (Cum Laude) with a focus in tax and estate planning from Old Dominion University in 1997. Neal's work experience includes banking, both private and public tax accounting, investment management, financial planning and risk mitigation and transfer strategies.

Neal has been a Registered Investment Advisor and fiduciary since the year 2000 (Series 7, 66) with Life, Heath and Annuities. He is currently securities registered in VA, AR, AZ, CA, DC, FL, GA, MD, NC, NY, OH, OK, OR, PA, SC, and WA. He's also a member of the National Association of Tax Professionals.

Neal currently resides in the Western Branch area of Chesapeake, Va. with his beautiful wife Shannon, two totally awesome step-sons Cooper & Cambel, and 3 dogs, Jack, Angus & Bella.

Neal's first rule of investing: Don't look back...look at what you have and what you can do with it.

Brad Rudkin

Brad Rudkin

As an ENTP personality type, I love to be around people. Every job I’ve had since college has involved working collaboratively with large groups of people whether as clients, colleagues, business partners or direct reports. During my consulting career, I provided management training to hundreds of managers at small and medium sized companies, both public and private. This both grew out of and grew into a love for helping people become more effective and efficient at achieving what matters most to them.

Two of the character qualities that I think are most important are being teachable and always seeking to learn. As an undergrad student, I double majored in Accounting and Business Management, graduating Magna Cum Laude. I went on to earn a Master’s in Business Administration (graduating number three in a class of 80) and a Doctor of Jurisprudence (graduating in the top third of my law school class). I continue to learn by completing Continuing Legal Education courses as well as reading many books and attending seminars and workshops regularly.

When I’m Not Working I thoroughly enjoy spending time with Jenny, my wife of 28 years, and our six children: Daniel, Jessyca, Ryan, Alex, David and Weston. We love many outdoor activities including hunting, hiking, camping and spending time on the beach. We are also very involved with wrestling and with church activities. I enjoy helping local non profit organizations by serving on their boards of directors as needed.

Hobbies and Interests: Family, outdoor activities, hunting, hiking, camping.

Kerri Herlick

Kerri Herlick

I believe in teaching my three children how to thrive in the world. I believe in teaching them how to reach out to each other despite the miles that separate them, to be friends, and love one another. I believe in teaching them to surround themselves with the right people. I believe in teaching these same lessons to my two grandchildren, Colin and Aribella, who I visit every year on their birthdays - even though they are 3,000 miles apart. I believe in loyalty. My husband Blake and I will celebrate our 25 years and wonderful family together this year with a long awaited trip to Italy.

I believe in providing advice to give others success. My phone often lights up with a client’s number, no matter the time of day. Sometimes it is a quick question, but often it’s about the big things in life; career decisions, marriages, divorces, colleges, purchasing a retirement home, selling a business, and my personal favorite, “Should we purchase kitchen tile..?” The question doesn’t matter. I am here to listen.

I believe in being grateful. I am grateful that my clients have entrusted me with not only their finances, but with what really matters to them. I am grateful to have the support of HBW Advisory and the people in it. I am grateful that I have the experience and passion to be present for my clients. My skills enable me to guide them to reach their individual expectations and find solutions to help them get to where they want to be.

My clients are not just a job. They are people that I truly enjoy connecting and conversing with. They are people that I have sat with in their time of crisis and in time of celebration. We have shared many tears, cheers, and great laughter.

Kerri is a Certified Divorce Financial Analyst™ and a Wealth Advisor.

Kerri focuses her divorce practice on helping her clients and their legal counsel avoid the long-term financial vulnerabilities often accompanied by divorce settlements. Mediators, Collaborative Divorce Attorneys, and other legal professionals consult with Kerri to help provide a clear understanding of complex financial situations helping to ensure equitable settlements.

Kerri’s primary focus is working with clients in a holistic manner consistent with The Client’s Goals. Kerri focuses on retirement planning, life insurance, income planning, divorce, small business planning and long-term care. Kerri’s professional licenses include: FINRA Series 7 & 66, NY State Life, Accident and Health Insurance. Kerri is a CFP™ candidate and holds a Certified Divorce Financial Analyst certificate.

Brian Malkinson

Brian's ability to recognize trends and adapt to shifts in the market place have been the foundation of his career. A career with more than a decade of experience in financial management, business development, and leadership. It is this diversified experience through various business ventures that has shaped Brian’s approach to financial advisement, budgeting, and wealth accumulation. This knowledge along with his commitment to understanding every client’s needs ensures a unique experience for both clients and businesses looking to plan for their future.

Outside of his career as a financial advisor, Brian has owned multiple businesses as both a sole proprietor and corporate executive. As a son of public school teachers, he has a passion for education and has taught at multiple universities. A father of two children, Brian understands the importance of planning for the future and protecting what matters most.

Chad Francis

Chad joined HBW Partners in 2017 and works in the Sacramento area and surrounding communities. He holds his Series 65 Investment Advisor and Life Agent Insurance Licenses.

Chad’s passion for helping everyone from young people just beginning to plan for their future to experienced investors ready to preserve their assets is what made HBW a great place to call home. He enjoys teaching clients about all areas of personal finance ranging from how to write a budget, to planning for retirement using his PII approach; Plan, Insure, Invest.
One of his top priorities is to not only provide options that are suitable to each client and their comfort level, but to also ensure the client understands the investment. This all helps to align with the client’s life goals and is an important basis as a fiduciary. Chad has also spread knowledge outside of work by coordinating Financial Peace University, speaking to young people from his college’s Business Club, and having inspirational conversations about money with those who need it most.

Beyond years of management experience across varying fields, Chad has earned numerous degrees in Business Administration, Natural Science with a focus on Mathematics, Behavioral Science and Economics.

Chad enjoys spending time with his wife Kristy and dog Chewy, walks around the neighborhood, BBQ-ing for friends, and spending Christmas’ in Idaho with his family. And there’s always the guilty pleasure of take-out and watching movies at home. Math is a less known passion of his, as he’ll sometimes just take a break to play with numbers. This is a broad change from his childhood, which was occupied with many extreme sports like skateboarding, wakeboarding, and his high school snowboard race team.
Hobbies and Interests: Cooking (or just eating) new foods with my wife.

Bucket List: See all 50 states in one trip.
Favorite Food: Changes seasonally, but Tritip never lets you down.
Favorite Book: The Total Money Makeover
Place I'd like to visit: Italy, France, Ireland and Japan.