Joseph Williams is a financial advisor at Charles Schwab in Santa Rosa, CA, with seven years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Schwab in 2021, he worked at Exchange Bank and SoFi Lending Corp. Outside of his advisory role, he operates a rental service hosting his property for small gatherings and events. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed account services. The firm offers a combination of non-discretionary investment recommendations and access to discretionary separately managed accounts, supported by centralized custody and research resources.

Michael Lambard is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and having seven years of industry experience. His prior work includes roles at Robinhood Markets, Morgan Stanley, JP Morgan Chase, Quicken Loans, and Discover Financial. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering bundled advisory, brokerage, custody, and financial planning services with a combination of non-discretionary and discretionary investment options.

Justin Allen is a financial advisor with Charles Schwab in Oakland, CA, holding a Series 66 designation and four years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management and financial planning services. The firm is notable for its scale and integrated structure, combining brokerage, custody, and advisory services with access to alternative investments and multi-asset model portfolios.

Clint Sanders is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2007 and 2008, respectively. 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 offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and alternative investments within an integrated, large-scale operational framework.

Ashley Nobel is a CFP® with six years of industry experience, currently serving at Charles Schwab since 2019. Prior to that, she worked at Bank of America and California State University Northridge. Nobel holds Series 63 certification and is based in Los Angeles, CA. Charles Schwab & Co., Inc. serves a large client base, 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 provides both non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and formal alternative-investment processes.

Joshua Crader is a financial advisor at Charles Schwab with eight years of industry experience. He holds the Series 66 designation and has worked previously at Fidelity Investments, LPL Financial, and Texas Dow Employee Credit Union. Joshua is based in Houston, TX. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with centralized custody and compliance infrastructure.

William D Amore is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include work in education and the Gaston Country Club. Charles Schwab 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 relationships with access to affiliated discretionary separately managed accounts and offers investment guidance through multi-asset model portfolios and alternative investments.

Ana Ventura Trejo is a financial advisor at Charles Schwab with a Series 66 credential and two years of industry experience. Her prior work includes roles at Mohawk Industries and various positions related to healthcare and education. 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, combining non-discretionary client relationships with access to discretionary separately managed accounts and a comprehensive alternative investment program.

Nathan Delgado is a financial advisor at Charles Schwab with Series 66 credentials and no prior industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., American Healthcare REIT, and the UCI Financial Aid Office. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational structure.

Benjamin Molloy is a financial advisor with Charles Schwab in Honolulu, HI, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., and Scottrade Inc. Outside of his advisory role, he is a member of Waialua Valley Farms LLC, involved in agriculture, and owns a separate real estate business. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its integrated Schwab Wealth Advisory program. The firm combines non-discretionary client relationships with access to affiliated discretionary portfolios and employs a multi-asset investment approach supported by in-house research and alternative investment options.

Jessica Kienle is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at TD Ameritrade, TIAA-CREF, and Fidelity. Kienle is also a volunteer board member for the West Chester University Foundation. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, and custody services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized operational and supervisory infrastructure.

Daniel Marsh is a financial advisor at Charles Schwab with seven years of industry experience. He holds the Series 66 designation and has worked at firms including UBS Financial Services and TD Ameritrade. His background also includes a five-year period at Wagner College. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through a range of advisory, brokerage, custody, and financial planning services. The firm offers both non-discretionary and discretionary investment programs supported by multi-asset model portfolios, centralized supervision, and an established alternative investments platform.

David Hellewell is a financial advisor with Charles Schwab who holds Series 63 and Series 66 credentials and has 23 years of industry experience. He worked at Fidelity from 2004 to 2009 before joining Charles Schwab in 2009, where he has been since. 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 relationships with access to discretionary separately managed accounts and offers a multi-asset strategic asset allocation approach supported by centralized operational and custody arrangements.

Andrew Meeks is a financial advisor with Charles Schwab based in Phoenix, AZ, holding a Series 66 designation and five years of industry experience. His prior positions include roles at Renaissance Financial, Minnesota Life Insurance Co, Securian Financial Services Inc, and Grand Canyon University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary strategies and offers centralized custody and order-routing services to a large client base.

Nyya Dennis is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and four years of industry experience. Prior to her current role, she has held positions at TD Ameritrade, bbva, Frost Bank, and Charles Schwab Bank. Outside of her advisory work, Dennis also works as an Amazon Flex driver. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its wealth advisory and managed account services. The firm offers a combination of non-discretionary and discretionary investment solutions supported by centralized custody, brokerage, and advisory infrastructure.

Sophia Sun is a financial advisor with Charles Schwab in San Francisco, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Charles Schwab since 2009, including roles at Charles Schwab Trust Bank, Premier Bank, and Charles Schwab Bank, SSB. Outside of her advisory work, she supports her spouse in managing rental property. Charles Schwab 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 relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by centralized custodial and operational systems.

Joseph Presa is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has been with Charles Schwab since 2007. 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Collin Knapp is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. His prior work includes positions outside of finance such as with Longhorn Steakhouse and Trusted Capital Group. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, combining scale with an integrated service model.

Emily Steiner is a financial advisor with Charles Schwab & Co., Inc. She holds Series 66 and Series 63 licenses and has three years of industry experience. Prior to her current role, she worked at Jones Lang LaSalle for one year. Charles Schwab & Co., Inc. serves a large client base, 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and provides integrated advisory, brokerage, custody, and cash-sweep services.

Nathan Malone is a CFP® and holds a Series 66 license with Charles Schwab, where he has worked since 2009. He has 20 years of industry experience, including self-employment since 2001. Outside of his advisory role, he works as a disc jockey for swing dances in the Austin and San Antonio areas. 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 relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized operational and custodial services.