Eric Penz, Insurance Agent
The Penz Agency | Allstate Insurance & Financial Services

Not only have I grown up in Redmond, but I have raised my family here as well. I have also served as an Agent, Personal Financial Representative, and Agency Owner here for the past 15 years. As a result, I truly know the needs of the local families and business owners because their needs are my needs. This knowledge and understanding of the people in this community help me and my agency provide customers with an outstanding level of service. We specialize in serving the needs of homeowners, real estate investors, and business owners. And so we look forward to helping families and businesses like yours protect the things that are important – your family, business, home, car and more. I can also help you prepare a strategy to achieve your financial goals, like saving for retirement or your childrens' education. I’m proud to work with a company who’s been serving satisfied customers for over 70 years. Customers count on outstanding financial strength and superior claims service to help protect what they value most. Allstate delivers on their promise. In fact, their outstanding financial strength and superior claims service received an A+ (Superior) rating by A.M. Best. Quality service, strength and satisfaction – that’s something I’m glad to be a part of. As your Allstate agent, I can help you understand how the choices you make – such as the car you drive – affect your insurance rate. I’m committed to helping you get the appropriate level of protection and make it easy to do business with Allstate.

16126 NE 87th Street; Redmond, WA 98052
p: 425.883.4167
e: ericpenz​@allstate.com
w: www.allstateagencies.com/ericpenz

Gary L Thramer, Financial Advisor
Edward Jones

Our History: Our unwavering principles, investment philosophy, and client relationships have helped us grow strong. Our Principles: Our firm was built on a foundation of principles that help guide us every day. Take a look at how these principles guide our investment decisions and client relationships. Awards & Recognition: We've been ranked among the best advocates for our clients and have been named one of the top companies to work for. Learn more about what distinguishes Edward Jones. Who Should Invest With Us: Our clients are serious investors. They aren't interested in gambling with their money, and would rather interact with an actual person instead of a call center. Does this sound like you? Our Financial Advisors: Our financial advisors make every effort to build one-on-one relationships with clients, offering personalized attention and financial guidance.

812 Commercial Avenue; Anacortes, WA 98221
p: (360) 293-5567
e: gary.thramer​@edwardjones.com
w: www.edwardjones.com

Kevin Pedersen, Regional Account Manager
Fidelity National Title Insurance Company

10 Reasons Why You Need Title Insurance: 1. Title defects are discovered by our search and examination professionals in more than 36% of all real estate transactions. 2. Title insurance covers attorneys’ fees and court costs for defending your title. 3. Title insurance helps speed negotiations when you’re ready to sell or obtain a loan. 4. Title insurance reimburses you for the amount of your covered losses. 5. Each title insurance policy we write is paid in full by the one-time premium at closing for as long as you and your heirs own the property. 6. A deed or mortgage in the chain of title may be a forgery or signed by a person under age. 7. A deed or mortgage may have been made by a person other than the owner, but with the same name as the owner. 8. A deed or mortgage may have been procured by fraud or duress. 9. Title transferred by an heir may be subject to a federal estate tax lien, or an heir or other person presumed dead may appear and recover the property or an interest 10. Claims constantly arise due to marital security interest in your property. status and validity of divorces. Only a title insurance policy protects against claims made by non-existent or divorced “spouses.” Steps For A Successful Escrow: 1. When you open escrow, specify “Fidelity” for your title insurance. Ask for your escrow number to use for all future communications. 2. Read and understand the Preliminary Title Report. If an item is not understood, phone your escrow or title officer. 3. COMMUNICATE with your escrow officer. He/She must be instructed when to order payoffs, releases, etc. It is important that you keep him/her informed as to loan approval and related issues. 4. Inform your escrow officer if any changes occur. All changes should be in writing. Remember, with rare exceptions, escrow acts only on MUTUAL instructions. 5. It is important to understand the fiscal year, debits, credits, prepaid interest, impounds and due and delinquent dates in order that this information will be easily understood by your client. Familiarize yourself with “normal” buyer’s and seller’s closing costs. 6. Check each signature for accuracy as to middle initials and spelling. Have your client sign exactly as shown on the document. Make sure all required documents are signed and notarized when applicable. 7. Double check all papers and documents before returning them to your escrow officer to verify the following: a. They are signed properly. Any and all changes are initialed. b. The vesting shows as the clients had requested. c. Addresses are supplied for all future correspondence. d. Any changes in phone numbers are provided. e. Any and all addendum’s are executed. f. All funds held by the broker are deposited into escrow. g. The client has noted if their closing statements/funds are to be mailed or picked up. h. The notary completes the acknowledgment, signs it and places the seal clearly. i. Closing fund are sent by certified/cashiers check or wire.

10655 NE 4th Street, Suite #200; Bellevue, WA 98004
p: (425) 771-3031
e: kevinpedersen​@comcast.net
w: www.kpandjenn.com

Melissa Larson, CFP® (Certified Financial Planner), CLU® (Chartered Life)
Pacific Capital Resource Group, Inc.

After graduating from the business school at the University of Washington with emphasized studies in Finance, Melissa began her career in the financial services industry when she joined Pacific Capital Resource Group, Inc. in 1998. Melissa has earned several awards during her career with Pacific Capital. In 2000, Melissa was named career builder of the Year and in 2001, she was named Associate of the Year. In 2002, Melissa’s success in client acquisition earned her a promotion to sales manager and Executive Vice President, where she spent 3 successful years training, developing, and recruiting new advisors into the career. She earned two Bronze International Management Awards from GAMA for management excellence during this period. As a producer for Pacific Capital, Melissa has been recognized as a leading producer, having earned Penn Mutual's Royal Blue Club in 5 consecutive years. She is also a Million Dollar Round Table qualifier. Melissa earned the Chartered Financial Consultant’s designation in 2002, from the American College of Bryn Mawr, Pennsylvania. She became a Certified Financial Planner® as well in 2002. Melissa is a member of many industry and community associations including the National Association for Insurance and Financial Advisors, the Newcastle Chamber of Commerce, the Renton Chapter of BNI, and the Treasurer for WANC of Alpha Xi Delta at the University of Washington. Melissa is a Registered Representative of HTK. Melissa is also an Investment Advisor Representive of HTK and PCRG.

10900 NE 8th Street, Suite #1250; Bellevue, WA 98004
p: (206) 229-9738
e: mlarson​@pcrg.com
w: http://www.pcrg.com/ecard.cfm?ID=90125

Shelly Lambert, Escrow Closer
Fidelity National Title

Steps For A Successful Escrow 1. When you open escrow, specify “Fidelity” for your title insurance. Ask for your escrow number to use for all future communications. 2. Read and understand the Preliminary Title Report. If an item is not understood, phone your escrow or title officer or title officer. 3. COMMUNICATE with your escrow officer. He/She must be instructed when to order payoffs, releases, etc. It is important that you keep him/her informed as to loan approval and related issues. 4. Inform your escrow officer if any changes occur. All changes should be in writing. Remember, with rare exceptions, escrow acts only on MUTUTAL instructions. 5. It is important to understand the fiscal year, debits, credits, prepaid interest, impounds and due and delinquent dates in order that this information will be easily understood by your client. Familiarize yourself with “normal” buyer’s and seller’s closing costs. 6. Check each signature for accuracy as to middle initials and spelling. Have your client sign exactly as shown on the document. Make sure all required documents are signed and notarized when applicable. 7. Double check all papers and documents before returning them to your escrow officer to verify the following: a. They are signed properly. Any and all changes are initialed. b. The vesting shows as the clients had requested. c. Addresses are supplied for all future correspondence. d. Any changes in phone numbers are provided. e. Any and all addendum’s are executed. f. All funds held by the broker are deposited into escrow. g. The client has noted if their closing statements/funds are to be mailed or picked up. h. The notary completes the acknowledgment, signs it and places the seal clearly. i. Closing fund are sent by certified/cashiers check or wire.

10655 NE 4th Street Suite #200; Bellevue, WA 98004
p: (425) 453-8070
e: shelly.lambert​@fnf.com