Steven Santy is a financial advisor with Charles Schwab in Portsmouth, NH, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. He has been with Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2017. Outside of his advisory role, he owns and leases a single residential rental property. 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 and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers integrated brokerage, custody, and advisory services.

Noah Kramer is a financial advisor at Charles Schwab in Indianapolis, IN, holding Series 66 and Series 63 designations with five years of industry experience. His prior roles include positions at IUPUI and River West Property. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments.

Ruoyun Liang is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to joining Charles Schwab in 2021, Liang worked at Trumpet Behavioral Health and held roles at Sky Resource Trading Co. LTD. and Aldo Shoes. Liang’s background also includes five years at The University of British Columbia. 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 mix of non-discretionary advisory relationships and access to discretionary separately managed accounts, providing multi-asset model portfolios, written advice policies, and due diligence on alternative investments.

Ramak Fazeli is a financial advisor with Charles Schwab & Co., Inc. in Folsom, CA, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. His work history includes roles at Motif Investing and SCOTTRADE, Inc. prior to joining Charles Schwab in 2016. 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 blend of non-discretionary guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Parker Heaton is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has prior work history in various roles, including operating a handyman business and experience in the restaurant industry. 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 affiliated discretionary separately managed accounts and offers centralized custody and order-routing services.

Charles Schiaffo is a financial advisor with Charles Schwab in Indianapolis, IN, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. He has been with Charles Schwab since 2015. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a range of integrated brokerage, custody, and advisory services.

Hannah Favara is a financial advisor with Charles Schwab & Co., Inc., holding Series 66 and Series 63 credentials and having one year of industry experience. Prior to joining Schwab, she worked in various roles including at 7 Brew Coffee and Hallmark stores, and has a background in full-time 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, offering a blend of non-discretionary and discretionary investment options supported by centralized custody and operational infrastructure.

Olivia Golden is a financial advisor at Charles Schwab with a Series 66 credential and three years of industry experience. Her prior work includes roles at Slalom, Bank of America, Merrill, Alma, and entrepreneurial experience with Italian Eatery LLC and 526 Salon. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering non-discretionary advisory services alongside access to affiliated discretionary separately managed accounts and alternative investment options.

Natasha Nagwekar is a financial advisor at Charles Schwab with three years of industry experience. She holds Series 63 and Series 66 designations and previously worked at TD Ameritrade. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary and discretionary investment management, financial planning, and custody services.

Lori Walters is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 16 years of industry experience. She has worked at Charles Schwab since 2006, with a three-year period at TD Ameritrade from 2021 to 2024. 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 both non-discretionary and discretionary investment guidance, combining centralized custody and order-routing with access to affiliated investment management and alternative investments.

Brandon Dwyer is a financial advisor with Charles Schwab holding Series 66 and Series 63 credentials and has two years of industry experience. Prior to joining Schwab, he worked at United Parcel Service, First State Bank, and other firms. Outside of his advisory role, he is the operations manager for Red Lion Enterprises, LLC, where he oversees property maintenance, animal care, livestock sales, and financial recordkeeping. 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 advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment platform.

Byron Sheffield is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at UBS Financial Services, Fidelity Investments, Bank of America, and Fisher Investments. He is currently based in Clearwater, Florida. 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 related managed-account and financial planning services. The firm offers a model combining non-discretionary advisory recommendations with access to discretionary separately managed accounts, supported by multi-asset allocation strategies and a centralized operational structure.

Kevin Brown is a Series 66 licensed financial advisor at Charles Schwab with 10 years of industry experience. He has been with Charles Schwab since 2014, based in Orlando, FL. 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, offering multi-asset model portfolios supported by dedicated research and due diligence on alternative investments.

Andrew Hernandez is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2023 and previously held positions at TD Ameritrade and Aimloan. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside centralized custody and order-routing arrangements.

Karl Marko is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2016. Based in Indianapolis, IN, his practice is part of a large institutional firm known for serving high- and ultra-high-net-worth clients. Charles Schwab & Co., Inc. offers wealth advisory services primarily through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary client relationship models with access to discretionary separately managed accounts and provides integrated brokerage, custody, and advisory services.

Sheldon Focht is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Charles Schwab since 1999 and also works with Charles Schwab Bank SSB and Vine, where he reviews products listed on Amazon.com. 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, offering both non-discretionary and discretionary investment options supported by centralized custody and research capabilities.

Mark Stamper is a CFP® professional with 29 years of industry experience. He has been with Charles Schwab since 2014, including seven years at Schwab Wealth Advisory. Charles Schwab & Co., Inc. serves a large base of 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 investment guidance and access to discretionary separately managed accounts, supported by centralized custody, compliance, and operational infrastructure.

Brian Stoll is an advisor at Charles Schwab with Series 63 and Series 65 credentials. He has been with Charles Schwab since 2025 and has prior experience including work with Uber and DoorDash. Outside of his advisory role, he also works part-time delivering food for DoorDash. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a large integrated platform.

Joseph Ramirez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and six years of industry experience. His prior roles include positions at TD Ameritrade, Fidelity Brokerage Services, and J.P. Morgan Chase. He also worked at California State University Los Angeles for six years before entering the financial services sector. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary and discretionary investment services with multi-asset model portfolios and centralized operational support.

Steven Pilkerton is a CFP® professional with 21 years of industry experience, currently affiliated with Charles Schwab in Washington, DC. His prior experience includes a 12-year tenure at TD Ameritrade and roles within Charles Schwab Bank and Charles Schwab & Co., Inc. He is also an owner of a residential condo in Alexandria, Virginia. 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 supervision and alternative investment due diligence.