Kevin Boriack is a CFP® with 35 years of industry experience, currently serving at Charles Schwab in San Antonio, TX. He has worked at Charles Schwab and its affiliated Charles Schwab Bank, SSB since 1990 and 2005, respectively. Outside of his advisory role, he has access to a vacation rental membership at Vidanta. 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 mix of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a formal process for alternative investments.

Cynthia Scoggin is a financial advisor with Charles Schwab, holding a Series 66 designation and 15 years of industry experience. She worked at TD Ameritrade for 20 years before joining Charles Schwab in 2021. 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 discretionary separately managed accounts and offers a centralized operational structure supporting a large client base.

Jordon Spera is a financial advisor at Charles Schwab with three years of industry experience and holds a Series 66 designation. Prior to joining Charles Schwab in 2026, he co-founded Virtue Strength Club LLC, an athletic and fitness brand promoting moral character and discipline. His background also includes positions at J.P. Morgan Securities and Cetera. 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 formal alternative-investment onboarding process.

Steven Kim is a financial advisor with Charles Schwab in Los Angeles, CA, holding a Series 66 designation and bringing 22 years of industry experience. His prior roles include positions at TD Ameritrade from 2009 to 2022 before joining Charles Schwab in 2022. Outside of advisory work, he serves as a co-trustee for a family rental property, assisting with administrative duties. 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 and discretionary investment guidance using multi-asset portfolios and centralized operational structures.

Charles Brandt is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked at several firms including Bank of the West, TD Ameritrade, and Wells Fargo Advisors. Brandt is based in Omaha, NE. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 multi-asset model portfolios alongside centralized custody and order-routing arrangements.

Michael Durr is a financial advisor at Charles Schwab with Series 63 and Series 65 licenses and three years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2022, following five years at Government Employees Insurance and one year at FedEx Express. Based in Indianapolis, IN, Durr’s background spans both financial services and corporate sectors. 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 custody and due diligence capabilities.

Timothy O'Callaghan is a financial advisor at Charles Schwab with 24 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade for 20 years before joining Charles Schwab and Charles Schwab Bank. 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 and discretionary investment management, financial planning, and custody services. The firm is notable for its scale, integrated structure, and multi-asset model portfolio approach.

Charles Falzone is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Charles Schwab. His prior roles include positions at Fidelity Personal and Workplace Advisors, Fidelity Investments, Bank of America, and Merrill. Outside of his advisory work, he has been involved with Pulse4Pulse LLC and Sanuwave Inc. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Rebekah Michel is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Schwab, she held roles at CreativeFreedom.space and the Fired Up! Creative Lounge. Outside of financial services, she has been involved in creative and entrepreneurial ventures. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary strategies and offers integrated custody, brokerage, and advisory solutions.

Jenny Rothstein is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Charles Schwab since 2000 and Charles Schwab Bank since 2005. Rothstein serves as a fiduciary member of the Investment Advisory Committee at Temple Beth El, overseeing the execution of the investment policy for the organization’s assets. 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 provides a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, with a distinctive integrated operational structure supporting a large client base.

Jeremy Pruett is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 66 and Series 63 designations. His prior experience includes 13 years at Fidelity Brokerage Services and several roles in the mortgage lending industry, with periods of extended travel. 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a large-scale, integrated operational model.

Jordan Montgomery is a financial advisor with Charles Schwab in Metairie, LA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Edward Jones and State Farm. Montgomery has also held positions with multiple automotive dealerships earlier in his career. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals, offering a range of integrated advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset investment approach supported by centralized operations.

Michael Urizzo is a financial advisor with Charles Schwab in Charlotte, NC, holding Series 63 and 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Vanguard, New Jersey City University, and IMC Financial Markets. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals primarily through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment services supported by centralized operational infrastructure.

Gabriel Milano is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and TD Ameritrade in various roles since 2014. 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 offers both non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and a centralized client service structure.

Ryan Fitzgerald is a financial advisor with Charles Schwab based in Vero Beach, FL, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Raymond James Financial Services and JPMorgan Chase Bank. 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 affiliated discretionary separately managed accounts, combining multi-asset model portfolios with a structured due diligence process for alternative investments.

Kevin Mc Farland is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at Edward Jones for 10 years before joining Charles Schwab in 2020. 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 advisory services and access to discretionary separately managed accounts. The firm’s integrated structure includes centralized custody, brokerage, and cash management services alongside a multi-asset investment approach and formal alternative investment processes.

Charles Perez is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and previously worked at HNTB and pursued full-time education before joining Schwab. 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 multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Timothy Roe is a financial advisor with Charles Schwab & Co., Inc. He holds Series 66 and Series 63 designations and has nine years of industry experience. Prior to joining Schwab in 2022, he worked at TD Ameritrade and Galderma Laboratories. Outside of his advisory role, he participates in online survey taking on a limited basis. 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 with a focus on multi-asset model portfolios and a centralized operational structure.

Kelly Cironi is a financial advisor with Charles Schwab in Tysons Corner, VA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank, SSB since 2012. 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 employs a multi-asset model portfolio approach supported by centralized custody and order-routing systems.

Michael Bach is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 22 years of industry experience. His career includes roles at Charles Schwab Trust Bank, Charles Schwab Premiere Bank, Charles Schwab Bank, TD Ameritrade, and Scottrade. Outside of his advisory work, he rents a lake condo at Lake Ozark, MO during the summer months. Charles Schwab 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 affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by its centralized operational infrastructure.