Michalis Kritikos is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 14 years of industry experience. His prior roles include positions at Goldman Sachs, Scottrade, Allstate, and TD Ameritrade. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering investment recommendations and financial planning services while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and employs standardized asset allocation models and Schwab research tools.

Owen Endris is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has worked with Charles Schwab and Schwab Wealth Advisory since 2013 and 2015, respectively. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools. The firm offers investment recommendations across various asset classes and conducts at least annual account reviews without exercising discretionary trading authority.

Cory Wade is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Atlanta, GA. He has worked with Charles Schwab, Fidelity Investments, Fidelity Brokerage Services, Georgia State University, and TD Ameritrade. Outside of his advisory role, he owns a short-term rental property listed on Airbnb. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and wealth management education, leaving final trading decisions to clients while conducting at least annual account reviews.

Auddie Cousins is a financial advisor with Schwab Wealth Advisory in Chicago, IL, holding a Series 66 designation and one year of industry experience. Prior to joining Schwab Wealth Advisory in 2026, Cousins worked at Fidelity Investments and has held various roles in the financial and service sectors. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering tailored investment recommendations and annual financial reviews using Schwab’s proprietary research tools and asset allocation models.

Matthew Refner is a financial advisor with Schwab Wealth Advisory in Phoenix, Arizona. He holds Series 63 and Series 66 licenses and has 10 years of industry experience. Prior to joining Schwab Wealth Advisory and Charles Schwab in 2021, he worked at The Vanguard Group from 2015 to 2021. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standardized asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations, with clients maintaining control over final trading decisions.

Emily Lopez is a financial advisor with Schwab Wealth Advisory in Westlake, TX, holding Series 63 and Series 66 licenses. She has five years of industry experience, including roles at Robinhood Financial, Fidelity Investments, and GM Financial. Her background also includes work outside finance at Polytechnic United Methodist Church and Texas Wesleyan University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory model from many enterprise wealth managers.

Edward Nicolai is a financial advisor with Schwab Wealth Advisory Inc. in Indianapolis, IN, holding Series 63 and Series 65 designations and possessing 12 years of industry experience. His prior roles include positions at J.P. Morgan Securities, BancWest Investment Services, and Modern Refined. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm delivers investment recommendations while leaving final trading decisions to clients and conducts at least annual account reviews without discretionary trading authority.

Alan Zwicker is a financial advisor with Schwab Wealth Advisory in Boston, MA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and LPL Financial, LLC. He also provides administrative support to Goodman Advisory Group, LLC, an independent investment advisor firm. Schwab Wealth Advisory offers non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing Schwab's asset allocation models and research tools. The firm serves individual clients with investment recommendations and annual financial reviews while operating under a cost-and-expense-plus arrangement within the Schwab ecosystem.

Lei Fu is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, where he has worked since 2021. He has been with Charles Schwab since 2015. Lei is based in San Francisco, CA, and holds Series 63 and Series 66 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge clients fees.

Jacob Schmidt is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. in Charlotte, NC. His prior roles include positions at The Vanguard Group and Facet, and he has spent four years as a self-employed professional. Outside of finance, Jacob is also a musician and performs as a singer. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice as part of the Schwab Wealth Advisory program, offering clients annual financial reviews and investment recommendations using Schwab’s research tools and asset allocation models, while final trading decisions remain with the clients.

Reginne Arevalo is a financial advisor with Schwab Wealth Advisory in Los Angeles, CA, holding a Series 66 credential and six years of industry experience. Her prior roles include positions at Goldman Sachs Ayco, Fidelity Investments, Bank of America, and Merrill Lynch. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering investment recommendations and financial planning services using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., focusing on client-directed trading and annual account reviews without discretionary trading authority.

Nehemiah Jefferson is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses. He has prior experience as a tax attorney at Esquire Tax Firm Americas Tax Attorney Carrington, where he worked for nine years before joining Schwab in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many enterprise wealth managers.

Ryan Smigielski is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He previously worked at Bank of America and Merrill. He owns a rental property managed by a third party. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations primarily delivered through Charles Schwab’s research tools and asset allocation models.

Christopher Leyda is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at Equitable Advisors, LLC, and Charles Schwab & Co., Inc. He also has experience in education and entrepreneurial activities. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily through the Schwab Wealth Advisory program, serving clients with annual reviews and investment recommendations across various asset classes while leaving final trading decisions to clients.

Jonathan Peckron is a CFP® professional with 16 years of industry experience. He is currently with Schwab Wealth Advisory and has held prior roles at LPL Financial, Bank of America N.A., Merrill, TD Ameritrade, and Private Wealth Management. Peckron is based in Saint Louis, MO. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, relying on standard asset allocation models and Schwab research tools to recommend investments while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its advisory services.

Callie Rainwater is a financial advisor with Schwab Wealth Advisory and holds a Series 66 credential. She has four years of industry experience, including roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. Outside of her advisory work, she is a co-owner and managing member of Rainwater Geospatial LLC, where she oversees accounting and legal compliance. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing standardized asset allocation models and Schwab research tools. The firm primarily serves clients with wealth management education, retirement planning, and investment recommendations while leaving final trading decisions to the clients.

Ronald Regan is a Certified Financial Planner® with 26 years of industry experience. He is currently with Schwab Wealth Advisory and Charles Schwab, where he has worked since 2022. Prior to that, he held roles at TD AMERITRADE and Fidelity Brokerage Services. He serves as Co-Chair of the Dallas Chapter of the Market Technicians Association, organizing monthly events and managing communications. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations that leverage Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit of Charles Schwab, with advice delivered through client-directed investment decisions rather than discretionary management.

Nahyua Muniz is a CFP®-certified financial advisor with eight years of industry experience. She is currently with Schwab Wealth Advisory, Inc., where she has worked since 2022. Her prior roles include positions at Robinhood Financial LLC and Pershing Advisor Solutions LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees for its advisory services.

Matthew Collier is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at BlackRock, Bank of America, Merrill, and CrowdStreet Advisors. Collier has worked at Schwab-related entities since 2019. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, recommending allocations and investments while leaving final trading decisions to clients, and distinguishes itself by not acting as a discretionary portfolio manager.

Sarah Connolly is a financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has been with Schwab Wealth Advisory since 2012 and has also operated a business called Sweet Dreams by Sarah from 2012 to 2020. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations while leaving final trading decisions to clients. The firm operates as an internal advisory unit within Charles Schwab and uses Schwab’s research tools and standard asset allocation models in its approach.