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.

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.

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 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 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.

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.

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.

David Rzeslawski is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. His prior work includes roles at State and Liberty and First Hawaiian Bank, as well as positions in education and retail. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

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.

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.

Torrance Chaplin is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 19 years of industry experience. He previously worked for Primerica Advisors and Primerica Financial Services for over 20 years. Outside of his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios.

David Wilson is a CFP® and holds a Series 66 license, with 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.