Andrew Hendershot is a financial advisor at Morgan Stanley in San Diego, CA, with 10 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2023, he worked at TD Ameritrade and Charles Schwab. Outside of his advisory role, he works as a Lyft driver. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using structured discovery processes and firm-approved planning tools to support client goals.

Christopher Zuaro is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 11 years of industry experience. Prior to joining LPL Financial, he worked at SCF Securities, Inc. and SCF Investment Advisors, Inc., as well as First Command Financial Planning, Inc. and Allstate Insurance Co. He is also involved with Kelly Financial Group, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and technology-driven strategies.

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 holding the Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at Morgan Stanley and Hillstone, as well as other diverse work experiences. He has also spent time affiliated with educational institutions, including Francis Parker School and Columbia University. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management strategies supported by extensive research and multiple investment approaches.

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.

Besjana Husted is a financial advisor at Edelman Financial Engines with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, TD Ameritrade, and Ferguson McClure and Associates. Outside of her advisory role, she serves as president of a nonprofit charitable organization focused on selecting and overseeing charitable projects. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large client base through both advisor-led and online platforms.

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 Newport Beach, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. He is the owner and founder of Advisor Growth Solutions LLC and also provides investment advisory services through Pence Capital Management, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and brokerage services, with a range of discretionary and non-discretionary management options supported by model portfolios and research.

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, holding a Series 66 designation and 19 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is the author of *Go Green Financially*, a personal finance book focused on cash flow and budget planning. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Hayden Miller is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, he held various roles including positions at Sopris Wealth Advisors and Brinkman Real Estate, as well as work outside the financial industry. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

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 with LPL Enterprise holding a Series 66 credential and based in San Diego, CA. He joined LPL Enterprise in 2026 and has prior experience at Deloitte, EY, Moss Adams, and KPMG. Before entering the financial advisory field, he spent time as a full-time aviation student. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management programs via an integrated platform that combines advisory programs with sales of financial products including insurance.

Cody Bingham is a financial advisor with Cetera, holding a Series 66 designation and based in San Diego, CA. He has been with various Cetera entities since 2023 and began his advisory role in 2026. Outside of his financial services work, he has entrepreneurial experience with Patara Shoes, LLC. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with diverse investment program options.

Michael Zamolo is a CFP®-credentialed financial advisor with 11 years of industry experience. He currently works at J.P. Morgan Securities and JPMorgan Chase Bank, having previously spent nine years with First Republic Investment Management and FIRST REPUBLIC Securities Company. His role at JPMorgan Bank enables him to offer certain deposit and credit products in addition to investment services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Frances Comarshhein is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 36 years of industry experience. She has been with Linsco/Private Ledger Corp., now part of LPL Financial, since 1991. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

John Ulshafer is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 34 years of industry experience. Prior to joining LPL Financial in 2025, he worked for nine years at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Edward Dawson is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 credentials and 42 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary capital market assumptions and research to tailor investment strategies aligned with clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a range of capital markets services.