3 RIVERS FINANCIAL - Key Persons
Elisa joined 3 Rivers Financial Group in January 2021 as a Client Services Representative. After a 25-year long career with a local grocery store, working with multiple departments including department manager, cashiering and pricing clerk, she decided it was time for a change. Elisa says, " I am very excited for a new adventure in my life with 3 Rivers Financial Group."
Elisa and her husband owned a successful bicycle repair shop in Richland for 6 years, when her husband decided to retire and close the shop. Elisa has been married to her husband, Tim, for 24 years. Together they have a 14-year old polydactyl rescue cat named, Nikki. Elisa enjoys going to plays, musicals, ballets, readings, and bicycle riding in her spare time.
Job Titles:
- Client Services Representative
Josh joined 3 Rivers Financial Group in September of 2021, as a Client Services Representative. After 22 years working for a local grocery store, he decided to look for a career change. He found his calling to serve his community through 3 Rivers Financial Group. Josh says, "I cannot wait to learn how to better serve my community with 3 Rivers Financial Group!".
Josh and his wife have a 6-year-old son and a 2-year-old daughter. Josh loves spending time reading and playing games with his children.
Livia grew up on a ranch in Oregon. While attending Walla Walla College, she worked as a CNA in a retirement home, then went to work for a medical billing company in Richland WA. After many years as a stay at home mom, Livia's attention to detail and organization was needed alongside her husband at the company.
When Livia is not taking care of her company's needs, her husband, her home, and her children, she volunteers for various community programs.
Matt has recently been onboarded to our office as an Investment Adviser.
Originally from London, England, Matt moved to the US after meeting his now-wife who lived in a small town in Oregon. He began his state-side career in electrical construction, working out of IBEW Local Union 112 in Kennewick. While working through his apprenticeship, newly married and starting to have children, Matt learned a lot about budgeting, saving money and paying bills. The challenges he overcame and experience he gained are what eventually drew him to pursue a career in the financial services industry.
Matt specializes in Union retirement plans with an emphasis on wealth management for families of all ages. He hopes that he will be able to serve his clients with professionalism and empathy.
When he's not working or studying, Matt enjoys spending time with his wife and three young children, serving in his church, and being outdoors.
Tonya Ness - Chief Risk Officer
Job Titles:
- Director of Risk Management
- Office Manager
Tonya joined the firm in June 2011. She came from the banking industry with over 14 years experience as a lending supervisor at one of our local credit unions. Her role at 3 Rivers Financial Group consists of managing the day to day operations, client bookings, vendor contacts, transactional intake reporting, as well as new client account finalizations.
"We are very, very fortunate to have found Tonya." Mr. Morrow states. "Office Manager no where near describes the talent of this person thus why she heads up everything operational for our company. She has been the very first assistant I have dealt with, in almost 2 decades in this business, that allows me to do what it is that I am great at. I have 1000% confidence that she can handle any issue or client need that comes through our doors."
More recently, Tonya has expressed an interest in stepping a bit more into the advisement world.
Mr. Morrow grew up in Pasco WA (Tri-Cities). He graduated from Pasco High School in 1991 then attended Columbia Basin College with plans to enter the law enforcement industry. Around that time he "accidentally" entered the world of finances. He was intrigued. At first he worked for a captive financial agency, soaking in the knowledge and training that was provided in this type of environment. He gravitated to wanting to help his retiree type clientele. However, in the captive environment his frustration grew as he was limited to the type of financial products he could offer.
In 2002 he became independent of proprietary products and went to work for an independent firm. In this world he was able to work for the client, NOT the financial companies.
September of 2003 found Mr. Morrow with an exciting opportunity. While working for the independent firm, he started his own Corporation, Morrow Financial Group Inc. Even though this structure was advised as a business and tax benefit, he knew that someday he wanted to implement his own vision and ethics into a completely, proprietary venture. In June of 2008 he formed a DBA which is now 3 Rivers Financial Group.
Mr. Morrow spends his free time with his family. His current community involvement includes the Kennewick Lions Club and sponsoring Tri-City Young Life. In the past he has helped out with the counties annual homeless count and is a founder of the Kennewick Police Department Foundation (a non-profit). His hobbies include anything financial, fictional, movies, reading, and writing (he hopes to one day have a book published that discusses some of the hidden truths in his industry).
He credits his successes first because of his faith and second, because of the constant support of his family. He and his wife have three children and a basset hound.
He truly stands for family values and ethics in all that he does within his community and business relations. He is honest, upfront, and straightforward.