Vance Schroeder is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Merrill. He is also a certified public accountant and co-owns a financial advisory business, CCS Capital Management, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients who meet certain net-worth thresholds. The firm offers a broad range of planning solutions supported by Wells Fargo research and tools, integrating advisory services with other financial products and referral channels.

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 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.

Chantell Amezcua is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank, N.A. since 1998. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a wide range of investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Jennifer Schroeder is a financial advisor at LPL Financial with 18 years of industry experience. Prior to joining LPL Financial in 2023, she spent eight years with Commonwealth Financial Network. She volunteers as a greeter for AARP's VITA free tax preparation program serving seniors and low-income households. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

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 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.

David Tieu is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 65 and Series 63 designations and has been with various J.P. Morgan entities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a specialized group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Kathleen Racette is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 licenses and has 31 years of industry experience. She previously worked at A. G. Edwards & Sons, Inc. for 11 years before joining Wells Fargo Clearing in 2016. Outside of her advisory role, she holds a minority ownership interest in a business unrelated to investment advisory services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers both brokerage and advisory solutions and utilizes research and analytics guided by diversification principles and modern portfolio theory.

Tony Krvaric is a financial advisor at LPL Financial with 28 years of industry experience. He holds a Series 63 designation and has worked previously at firms including Woodbury Financial Services and A. G. Edwards & Sons. He has operated Krvaric Capital since 2007 alongside his advisory role. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of investment strategies and operational tools.

Eric Philippart is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 18 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he spent two years at Citigroup Global Markets, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and tailored financial planning solutions. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.

Michael Zamolo is a CFP® and holds a Series 66 license with 11 years of industry experience. He has worked at First Republic Investment Management, Inc. and FIRST REPUBLIC Securities Company, LLC from 2014 to 2023 before joining J.P. Morgan Securities and JPMorgan Chase Bank, NA in 2023. As an employee of JPMorgan Bank, he is also authorized to offer certain banking products, including deposit and credit services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes broader derivatives and commodities capabilities.

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. since 1991. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a large network of investment adviser representatives.

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 Series 66-licensed financial advisor with J.P. Morgan Securities, based in Escondido, CA, and has two years of experience in his advisory role. He has also worked at JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates a broader range of regulatory registrations, including futures and swaps capabilities.

Benjamin Bowen is a CFP® with 14 years of industry experience, currently serving at Edelman Financial Engines since 2020. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Investments. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment options across a diversified range of portfolios and alternative products.

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.

Benjamin Nussbaum is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and with 14 years of industry experience. He has been with UBS since 2012. Nussbaum serves as treasurer and board member of the Rancho Bernardo Pop Warner foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research and affiliated banking programs.

David Wilson is a CFP® and Series 66-registered financial advisor with Wells Fargo Clearing in La Jolla, CA, where he has worked since 2016. He has 13 years of industry experience. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.