Antonio Fernandez is a financial advisor with Schwab Wealth Advisory, Inc. based in Atlanta, GA. He holds the Series 66 designation and has five years of industry experience. Prior to joining Schwab, he worked at JPMorgan Chase Bank and J.P. Morgan Securities LLC, as well as at Bank of America and Merrill Lynch. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations through standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Connor Hutchinson is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. He has worked at Schwab Wealth Advisory since 2026 and has prior experience with Charles Schwab & Co., Inc and Farmers Insurance. 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 planning, and investment recommendations using Schwab's research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its advisory services.

Tom Waite is a CFP® professional with 28 years of industry experience. He has been with Charles Schwab and its affiliated entities since 1996, including his current role at Schwab Wealth Advisory since 2018. His prior work includes a year at BNC National Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice using Schwab’s asset allocation models and research tools, offering annual financial reviews and investment recommendations without discretionary trading authority.

Paul Riskus is a CFP® with 28 years of experience in financial advising. He is currently with Schwab Wealth Advisory and has spent significant portions of his career at USAA Financial Advisors and related USAA entities. He holds the Series 63 license and is based in San Antonio, TX. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm serves individual clients with financial reviews, retirement planning, and investment recommendations but does not manage client accounts on a discretionary basis.

Joseph English is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at Schwab Wealth Advisory since 2020 and has been affiliated with Charles Schwab since 2017. Outside of finance, he has experience working in the parking services industry. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools while leaving final trading decisions to clients.

Nolan Pugh is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2017. Prior to his advisory role, he spent four years at the Krannert School of Management at Purdue University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not charge clients directly, distinguishing its advisory approach from many enterprise wealth managers.

Stella Shim is a CFP® and ChFC® credentialed financial advisor at Schwab Wealth Advisory with 12 years of industry experience. She has held prior roles at Fidelity Investments, Bank of America, and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual 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 advisory services.

John Beer is a CFP® professional with seven years of experience in the financial services industry. He is currently with Schwab Wealth Advisory Inc. and has held various roles within the Charles Schwab organization since 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, planning discussions, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Charles Schwab ecosystem and does not directly charge clients fees for its advisory services.

Christopher Buckley is a CFP® and holds a Series 66 license with 11 years of industry experience. He is currently affiliated with Schwab Wealth Advisory and Charles Schwab & Co., Inc., where he has worked since 2024. Prior to this, he spent six years with Fidelity Personal and Workplace Advisors and nine years with FIDELITY Brokerage Services LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations while leaving final trading decisions to clients, and it operates as an internal advisory unit within the Schwab ecosystem.

William O'Neil is a CFP® professional with 29 years of industry experience, currently serving at Schwab Wealth Advisory in Boston, MA. He has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory since 2022, with prior roles at Voya Financial Advisors and Santander Securities. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering tailored financial reviews and investment recommendations using Schwab's asset allocation models and research tools, while leaving final trading decisions to clients.

Ryan Brim is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and four years of industry experience. His prior work includes roles at Charles Schwab & Co., Charles Schwab Bank, Caneel Group LLC, A2C Mortgage LLC, and Wells Fargo Home Mortgage. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations based on 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 or exercise discretionary trading authority.

Andrew Scott is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and eight years of industry experience. He has worked at Charles Schwab & Co., Inc. and Schwab Private Client Investment Advisory, Inc. since 2021, with prior experience at Fidelity Investments, Amazon, and the University of North Texas. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending allocations but clients retaining final trading decisions.

Tracy Mc Macken is a CFP®-certified financial advisor with nine years of industry experience. She currently works at Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc. and previously spent eight years at The Vanguard Group, Inc. Tracy holds Series 63 and Series 66 licenses. 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 using Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its advisory services.

Mark Celusniak Jr. is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2017. His prior work includes roles at Morgan Stanley and Morgan Stanley Private Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, using standard asset allocation models and research tools while leaving final trading decisions to clients.

Darryl Celkupa is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 63 and Series 65 licenses and has 32 years of industry experience. His prior roles include positions at Charles Schwab, Foreside Funds Distributors LLC, and Matthews International Capital. Outside of finance, he does voiceover work in various media on weekends. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations through Charles Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach among enterprise wealth managers.

Jeffrey Nelson is a CFP® with 14 years of industry experience, currently serving at Schwab Wealth Advisory since 2022. His prior experience includes roles at Charles Schwab, TIAA-CREF, and Key Bank. He is also an instructor for the Personal Financial Planning certificate program at the University of California, Irvine, which is CFP board certified. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes using Schwab’s research tools and asset allocation models.

Robert Johnson is a CFP® with 14 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory since 2021. He previously worked for The Vanguard Group, Inc. from 2011 to 2021. 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. The firm operates within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools, while leaving final trading decisions to clients.

Micah Hill is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2021, with prior roles at Charles Schwab and TD Ameritrade. Hill is also the author of a book titled *Artificial Intelligence: A Vision of the Future*. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering financial reviews and investment recommendations using Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and serves primarily individual investors without exercising discretionary trading authority.

Nicholas Pfledderer is a financial advisor with Schwab Wealth Advisory in Indianapolis, holding Series 66 and Series 63 designations and two years of industry experience. His prior experience includes roles with Charles Schwab Co., Inc. and the Adorant Group, as well as periods devoted to full-time education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across a range of asset types. The firm’s advice is delivered using Charles Schwab’s asset allocation models and research tools, with investment decisions ultimately made by clients.

David Kroner is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2015. He has been affiliated with Charles Schwab since 2000. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s proprietary research tools and asset allocation models. The firm focuses on wealth management education, retirement planning, and investment recommendations, with final trading decisions made by clients.