BEGIN:VCARD
VERSION:3.0
REV:2026-05-23T07:22:40Z
N;CHARSET=utf-8:Czajkowski;John;;;
FN;CHARSET=utf-8:John Czajkowski
TEL;WORK:(858) 367-8410
ADR;WORK;POSTAL;CHARSET=utf-8:;;332 Cantle Ln;Encinitas;CA;92024;US
URL:https://www.heritagewealthmanagers.com/
END:VCARD
