Alex Wanerman is the Vice President and Branch Leader at Fidelity Investments, where he leads the local Investor Center. In this role, he focuses on fostering a high-performance work culture by empowering associates to maximize their talents and assist clients in planning for long-term financial well-being. Prior to this position, he served as Vice President and Regional Planning Consultant at Fidelity Investments from 2018 to 2024. Before joining Fidelity, Alex worked at UBS Financial Services as a Financial Advisor from 2017 to 2018 and as a Wealth Planning Analyst from 2015 to 2017. He holds a California Insurance License. Outside of his professional duties, Alex enjoys golf, skiing, traveling, and volunteering. He is also engaged in parenthood.

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.

Vance Schroeder is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He previously worked at Northwestern Mutual Life Insurance Company for 23 years and Wells Fargo Clearing for seven years before joining Wells Fargo Advisors. Schroeder holds an inactive California Board of Accountancy license and is a business partner with 50% ownership in CCS Capital Management, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu tailored to clients who meet certain net-worth thresholds, including niche services such as business-owner transition planning, sports and entertainment planning, and special-needs analysis.

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.

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.

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.

Jennifer Schroeder is a Series 66-credentialed financial advisor with 17 years of industry experience. She is currently with LPL Financial since 2023 and was previously at Commonwealth Financial Network from 2015 to 2023. Schroeder volunteers as a greeter for AARP’s VITA free tax preparation program serving seniors and low-income households. 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. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research, and both discretionary and non-discretionary management approaches.

Mason Bartlett is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at E*TRADE Capital Management, E*Trade Securities, and Wells Fargo. Bartlett is based in Carlsbad, CA. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques and delivers both individual and corporate financial planning services.

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.

David Tieu is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at various J.P. Morgan entities since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Kathleen Racette is a financial advisor with Wells Fargo Clearing in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she holds a minority ownership stake in J&T Yakima, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related investment options and bank deposit sweep programs in its offerings.

Tony Krvaric is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and with 28 years of industry experience. He has worked at LPL Financial since 2025, following roles at OSAIC and Woodbury Financial Services, Inc. He also manages Krvaric Capital, his advisory and risk management business founded in 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management, supported by model portfolios and research from multiple sources.

Eric Philippart is a financial advisor with Morgan Stanley in Carlsbad, California, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery processes and analytical tools such as Monte Carlo simulations.

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.

Edward Schwarz is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Edward earned his Bachelor's Degree from Rensselaer Polytechnic Institute and completed a Master's Degree through the Southern Illinois University System.

Chad Escobedo is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and two years of industry experience. He has worked at J.P. Morgan Securities since 2024 and has been employed by JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Benjamin Bowen is a CFP® with 13 years of industry experience, currently serving at Edelman Financial Engines. He has worked at Financial Engines Advisors L.L.C. since 2020 and previously held roles at Fidelity Personal and Workplace Advisors and Fidelity Investments. Bowen is based in San Diego, CA. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online offerings.

Zachary Mc Coy is a Series 66-licensed financial advisor at Stifel with one year of industry experience. Prior to joining Stifel, he worked at Salesforce, Workday, Cornerstone On Demand, and Enterprise Rent-A-Car. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment strategy and capital market modeling.

Heidi Fifield is a financial advisor with Ameriprise in Solana Beach, CA, holding a Series 66 designation and bringing eight years of industry experience. Her prior roles include positions at OSAIC, Woodbury Financial Services, and First Command. In addition to her advisory work, she is a Certified Divorce Financial Analyst and assists clients with Medicare enrollment and insurance needs. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through a written Recommendation Report and ongoing advice.