Nicholas Bialecki is a financial advisor with Citigroup Global Markets, holding a Series 66 credential and 17 years of industry experience. He has been with Citi Smith Barney since 2008. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale and specialized market roles.

Peter Stratton is a financial advisor with Independent Financial Group, LLC, holding a Series 66 credential and 27 years of industry experience. He has worked with Independent Financial Group since 2018 and was previously with Union Capital Company for two years. Stratton is also the sole owner and officer of Stratton & Associates Accountancy Corporation, a CPA firm providing tax preparation and accounting services. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm utilizes a combination of proprietary and third-party models for portfolio management and financial planning, employing both passive and active investment strategies across various risk profiles.

Susan Pillen Levine is a financial advisor with Commonwealth Financial Network in San Diego, CA. She holds a Series 66 designation and has 13 years of industry experience, including nine years at LPL Financial before joining Commonwealth in 2022. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of clients. The firm offers a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Gregory Chachas Jr. is a financial advisor with Independent Financial Group, LLC, holding a Series 63 designation and with 40 years of industry experience. His prior roles include positions at Wedbush Securities Inc., Wells Fargo Clearing, Wells Fargo Advisors LLC, and A. G. Edwards & Sons, Inc. He serves as a board member or officer for Chachas Land Co Inc. and Comstock Land and Mining LLC. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms, employing a combination of passive and active strategies tailored to client risk profiles.

Yuanyuan Xue is a financial advisor at Merrill with a Series 66 designation and one year of experience at Merrill and Bank of America, N.A. Prior to her current role, she was involved in her family business, Barwick Translation, for seven years and worked at LB Sandwiches for four years. Merrill provides managed account services through the Select Portfolio Solutions (SPS) Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cody Jess is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. He previously worked at Edward Jones for six years and Umpqua Bank for one year. Outside of his advisory role, Jess is involved with Jess Ford of Pullman, a car dealership, and works as a subcontractor connecting local businesses with merchant services and point-of-sale systems. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Andrew Hendershot is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 licenses and 11 years of industry experience. His prior roles include positions at TD Ameritrade and Charles Schwab. Outside of his advisory work, he is also active as a Lyft driver. Morgan Stanley Wealth Management provides a wide range of advisory programs for individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies.

Christopher Zuaro is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and having 11 years of industry experience. He has worked at LPL Financial since 2024 and previously held positions at SCF Securities, SCF Investment Advisors, First Command Financial Planning, and Allstate Insurance Co. Zuaro is also involved with Kelly Financial Group, where he spends part of his time on non-variable insurance and investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, utilizing model portfolios, third-party managers, and customized strategies, supported by advanced operational and research tools.

David Harlow is a Series 66 licensed financial advisor with 15 years of industry experience, currently working at Cetera Investment Services LLC since 2025. His prior roles include positions at CUSO Financial Services, LP and SSN Advisory, Inc. Outside of his advising career, he has been involved with Smoky Mountain Guides. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to affiliated and third-party managers, providing a range of portfolio management and financial planning services through various program structures.

Alexander Aros is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked with Primerica Advisors since 2019 and Primerica Financial Services since 2018. His prior experience includes five years at Welk Resorts Inc. Aros is also involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses a tiered wrap fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Holden Enniss is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Morgan Stanley and Hillstone, along with earlier experience at Enniss Inc. and other firms. He also has a background involving Francis Parker School and Columbia University. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Cecilia De La Cruz is a CFP® with eight years of industry experience, currently serving as a financial advisor at Robert W. Baird & Co. since 2020. Her prior experience includes roles at KeyBank and Key Investment Services. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises a diverse client base including individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing a combination of in-house and third-party managers across traditional and non-traditional investment strategies.

Austin Barber is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with three years of industry experience. He has worked within Morgan Stanley since 2022, including a role at Morgan Stanley Private Bank, N.A. Barber also has prior involvement with the Associated Students of San Diego State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools without providing individual security recommendations as part of standalone plans.

Jeffrey Czajka is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, and Northwestern Mutual Investment Management. He is also the founder of Advisor Growth Solutions, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diverse financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Luis Saucedo is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has 25 years of industry experience. His career includes roles at MassMutual since 2016 and Capstone Partners Financial and Insurance Services from 2016 to 2021. Outside of his advisory work, he serves as secretary for a home-based language services consultancy. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning services including estate settlement and employer-sponsored programs, utilizing firm-approved tools to deliver collaborative, written recommendations.

Thomas Zgliniec is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has been with LPL Financial since 2008 and previously worked at Ameriprise. Outside of his advisory role, he authored a personal finance book focused on cash flow and budget planning titled *Go Green Financially*. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with a broad offering that includes strategic and tactical allocations and alternative exposures.

Hayden Miller is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill, Miller held various roles including positions at Sopris Wealth Advisors and Brinkman Real Estate. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Blanca Pasallo is a financial advisor at Fidelity with four years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including TD Ameritrade and Chase Bank. Her prior experience also includes a role at Sedberry Tobin Insurance Services and early work with Unleashed By Petco. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and is known for its advisory role to multiple funds and use of advanced technologies in research.

Chantell Amezcua is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 20 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. She also has a long tenure with Wells Fargo Bank, N.A., dating back to 1998. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy preparation, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ethan Bjerke is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. His background includes roles at Deloitte, EY, Moss Adams, and KPMG, along with aviation studies. LPL Enterprise, LLC offers investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, and institutional entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and provides access to financial planning, third-party asset managers, and affiliated insurance and trust services.