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.

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 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.

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.

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 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.

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.

Yijia Li is a financial advisor at Primerica Advisors in San Diego, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Primerica, Li worked at LPL Financial LLC for eight years. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery strategies developed by unaffiliated asset managers and supports trade execution and account custody through BNY Mellon Advisors and Pershing.

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.

Cody Bingham is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation. He has experience across several roles since 2023, including positions at Cetera-affiliated firms and Charles Schwab entities. Outside of advisory work, he has been involved with Patara Shoes, LLC for six years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers a broad range of integrated brokerage, custody, and advisory solutions.

Dannielle Thomas serves as a Financial Solutions Advisor with Merrill Lynch Wealth Management. In her role, she collaborates with clients to develop strategies aligned with their short-, mid-, and long-term financial goals. She provides guidance on investing, retirement planning, and contingency savings and connects clients with Bank of America specialists for additional services including banking, credit, home financing, and small business solutions. Dannielle holds the Personal Investment Advisor (PIA) designation and completed her high school education at Etiwanda High School. Her approach focuses on understanding the priorities of clients and their families to create tailored financial strategies.

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.

John Ulshafer is a financial advisor at LPL Financial with 34 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Cambridge Investment Research Advisors, Morgan Keegan & Company, A. G. Edwards & Sons, and Prudential Equity Group. 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 a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies, supported by advisors through technology and research tools.