Josh Mastel joined Twenty Twenty Investment Advisors in 2015 and currently serves as Chief Executive Officer and Director of Financial Planning. He brings a unique blend of disciplined leadership, institutional investment experience, and deep client focus shaped by both his military service and his career in financial services. Josh is driven by a simple belief: successful financial planning is about achieving the best return on life—not just return on investment.

Josh earned his bachelor’s degree in Finance from Eastern Washington University and later completed his Master of Business Administration at Washington State University. He is a Certified Financial Planner™ professional (CFP®) and an Accredited Investment Fiduciary® (AIF®), reflecting his commitment to comprehensive planning and fiduciary responsibility. His expertise lies in comprehensive financial planning, risk management, and guiding clients toward long‑term, outcome‑focused strategies aligned with their values and goals.

Before entering finance, Josh served as a United States Air Force Pararescueman (PJ), conducting combat search and rescue missions in support of U.S. military operations. Following active duty, he worked as a contractor serving as a Survival, Evasion, Resistance, and Escape (SERE) instructor for the Department of Defense and other government agencies. These experiences instilled a deep respect for preparation, adaptability, and managing risk in high‑pressure environments.

Josh later expanded his investment experience at Russell Investments in Seattle, working as a Trading and Rebalancing Analyst on the pension team, where he supported more than $6 billion in trading volume during his final year.

Outside the office, Josh serves as a ski patroller at Mount Spokane and is the Director of the COPE and climbing program with the Inland Northwest Scouts of America. A lifelong outdoorsman, he enjoys skiing, hiking, biking, fishing, hunting, golf, rafting, and just about any adventure that gets him outside.

Bruce Billeter joined Twenty Twenty Investment Advisors in 2019 and currently serves as Chief Investment Officer and co-owner alongside Josh Mastel, where he leads the firm’s investment strategy and portfolio management efforts.

Bruce’s interest and fascination with financial markets are deeply rooted, inspired by a passion shared by both his father and grandfather. From an early age, this influence was evident—rather than receiving typical Tonka trucks at Christmas, Bruce was gifted stock certificates. These early investments not only sparked a lifelong enthusiasm for the markets but also proved meaningful, ultimately helping fund his college education and beyond.

Bruce earned his bachelor’s degree in Finance from the Foster School of Business at the University of Washington.

He began his professional career with The Boeing Company within its Aerospace and Defense division, where he gained experience in financial cost accounting and negotiating government defense contracts.

In 1992, Bruce moved to Spokane and began his career in investment finance, working with firms including Nelson Securities, a broker-dealer, and Petersen Hastings Investment Management, where he served as a fee-only Registered Investment Advisor while developing and managing the firm’s Spokane division.

In 2007, Bruce founded Billeter Wealth Management, Inc., advising high-net-worth individuals and serving as a trusted advisor to numerous local 401(k) plans. In 2019, he joined Twenty Twenty Investment Advisors, where he continues to help clients achieve their goals through comprehensive financial planning, disciplined risk management, and strategic asset allocation.

Bruce believes investing is personal, and building meaningful client relationships is what he finds most rewarding about his work.

Outside of his professional life, Bruce enjoys traveling while remaining actively engaged in his work. He and his wife, Shannon, spend much of the winter months in Arizona and South Carolina, while summers are primarily spent at their family cabins at Priest Lake.

He values time with family and friends and stays active through racquet sports, including tennis and pickleball. He also volunteers as a local high school tennis coach and enjoys golf, biking, hiking, and frequent huckleberry-picking adventures at Priest Lake.

Jay Lake founded Twenty Twenty Investment Advisors in 2003 after 19 years in the financial services industry. Over the course of his career, he built broad experience through a wide range of roles. He began in the Legal Review Department of a large mutual fund transfer agency, was quickly promoted to manage the Quality Assurance Department, then worked as a Financial Representative at one of the nation’s largest brokerage firms before joining a Registered Investment Advisor. Jay launched Twenty Twenty Investment Advisors because he believed the industry was burdened by too many conflicts of interest and saw a need for greater transparency for investors. Since its founding, the firm has operated as a fiduciary, putting clients’ interests first in every decision.

Jay earned his commercial pilot’s license, an associate degree in Aviation, and an associate degree in Liberal Arts before attending the University of Denver, where he completed bachelor’s degrees in Public Affairs and Spanish. He later earned a paralegal certification with a focus on corporate finance and business law. He was also a Certified Financial Planner™ professional (CFP®), underscoring his commitment to comprehensive financial planning and fiduciary responsibility. His diverse background enables him to help clients at every stage of life, from opening a first bank account to planning the smooth succession of a high-net-worth estate, always with a personalized, one-client-at-a-time approach.

Outside of helping family, friends, and clients with their finances, Jay enjoys traveling the world with his wife, Stacy. He serves as an elder in his church and has served on numerous nonprofit boards. An active person by nature, he enjoys skiing in the winter and hiking, biking, and springboard diving whenever he can.

Megan is an Investment Advisor Representative at Twenty Twenty Investment Advisors, where she works with individuals and families to bring clarity, organization, and confidence to their financial lives. 

Originally from Spokane, Washington, Megan’s interest in business started early, inspired by her dad and shaped through her involvement in DECA at Mt. Spokane High School. She went on to attend Western Washington University on a women’s golf scholarship, earning her degree in Marketing and graduating cum laude while competing as a collegiate athlete. When COVID granted her an extra year of eligibility, she returned to complete her MBA and finish her final season of golf, an experience that strengthened her discipline, resilience, and long-term perspective.

Megan began her career in technology sales, where she built a strong foundation in relationship-building and strategic thinking. Over time, she realized that what she enjoyed most was helping people think through important decisions and move forward with confidence, which ultimately led her to financial planning. After earning her Series 65, she joined Twenty Twenty, where she continues to grow her expertise alongside Bruce and Josh, gaining hands-on experience in trading, client relationships, and long-term strategy. She also works closely with Shannon and Jenn to better understand the operational side of the firm, while using her marketing background to support the newsletter, website, and client communications.

Outside of work, Megan enjoys golfing, skiing at Mt. Baker, Pilates, spending time with friends, and taking advantage of everything the Pacific Northwest has to offer.

Jennifer joined Twenty Twenty Investment Advisors in 2023, bringing a strong foundation of discipline, attention to detail, and client-centered service from her seven years of active-duty service as a Registered Dietitian in the U.S. Army. She earned her Bachelor of Science in Dietetics from Bastyr University and her Master of Science in Nutrition through the U.S. Army-Baylor University Graduate Program. These degrees equipped her to serve effectively in military nutrition roles, supporting soldier readiness and health. After relocating back to Spokane, she continued serving in the Army Reserves as a Registered Dietitian until her medical retirement in May 2025.

While nutrition remains a lifelong passion, Jennifer has discovered a genuine enthusiasm for the world of finance. She now works closely with Shannon and the team, managing all client account paperwork, serving as the firm's Compliance Officer, and handling billing operations. She plays an integral role in keeping the firm running smoothly and ensuring clients receive the highest standards of care and regulatory compliance.

Outside the office, Jennifer loves staying active and exploring new experiences. She enjoys cooking and baking, practicing yoga and ballet, and spending time outdoors. An avid adventurer at heart, she and Josh are both eager to travel and discover new places—often with family and friends. They are proud parents of two boys, ages 22 and 18, who are now embarking on their own exciting adventures in life.

Jennifer is excited to support Twenty Twenty's clients in achieving clarity and confidence in their financial lives—drawing on the same dedication and care she once brought to helping people optimize their health.

Shannon joined Twenty Twenty Investment Advisors in 2023, bringing with her a deep-rooted commitment to client relationships, organization, and behind-the-scenes operations.

Shannon earned her Business degree from Western Washington University and began her career with Nordstrom. There, she built a foundation in leadership, organization, and client service.

In 2007, Shannon and her husband, Bruce, founded Billeter Wealth Management, where they spent years building meaningful, lasting relationships with their clients. The strong sense of trust and friendship they developed continues today as they have joined forces with Twenty Twenty Investment Advisors.

In her current role, Shannon manages payroll, oversees the firm’s bookkeeping, and handles all client account paperwork. Shannon and Jenn’s teamwork play a vital role in ensuring operations run smoothly, supporting both the advisory team and clients with accuracy, care, and attention to detail.

Throughout her life, Shannon has also been deeply involved in her community, including many years of service with Ronald McDonald House Charities, where she served on the board for six years and contributed to key fundraising efforts. Her background also includes work in caregiving, catering, and education, reflecting her versatility and commitment to helping others.

Outside of the office, Shannon enjoys spending time with family and friends, traveling, and staying active. She and Bruce enjoy golfing, pickleball, biking, and walking.  Their two children are both in the finance industry, continuing the family’s passion for helping others plan for the future.

Shannon is proud to support the firm and its clients by helping create a seamless, organized experience—contributing to the same trusted relationship she has valued throughout her career.